Research On Risk Management Of Insurance Funds Investment In Mode Of Assets Driving Liabilities

With the development of the insurance industry, the use of insurance funds investment means a lot to supporting the development of the insurance company. Firstly, this article simply describes the current development of insurance industry, which illustrates that insurance funds investment is significant to the development of insurance company. Then, this article reviews the related research of insurance funds investment. In reference to the mode of insurance funds investment to American liabilities drive assets, writer elicits the risk identification of insurance company on the basis of mode of insurance funds investment of China’s emerging assets drive liabilities. On the basis of this mode, writer carries on the quantitative analysis about risk measure part of Ambon. Finally, this article put forward advice of the development of insurance company in this mode.This paper is divided into six parts. First, writer reviews the research background of the entire development’s situation of Chinese insurance industry. The section two simply reviews the theory and research of domestic and overseas investment risk of insurance funds. In section three, first of all, this paper introduces three main kinds of modes of insurance funds investment of current insurance company. Further, writer summarizes the experience about its smooth development through the analysis of American insurance industry of liabilities drive assets’ modes, which can provide the reference to Chinese insurance industry’s insurance funds investment and its development. The section four identifies the risk of insurance company on the basis of mode of insurance funds investment of China’s emerging assets drive liabilities and states the features of Ambon’s insurance funds investment on the basis of this mode. In section five, writer carries on the quantitative analysis about risk measure part of Ambon and the calculation through setting up Sharpe ratio model. Sixthly, this article comes up with a conclusion and related suggestions from the external and internal perspective of insurance company to control the risk it facing on the basis of insurance funds investment mode of assets drive liabilities, which can make it develop better, faster and sustainably.