A Study On The Influence Of The Investment Behavior Of Chinese Insurance Companies On Solvency

In 2015,China's insurance industry a total of 2428.252 billion yuan to achieve the original premium income,the net assets of all insurance companies amounted to1608.97 billion yuan.China's insurance industry in 1980,just over thirty years,they have been rapid development.Insurance industry in the national economy the importance of self-evident,for social stability provides an important guarantee for the insurance company's investment and financing function is also very important.Insurance companies are typically indebted to operating companies.Insurance companies have strong self-owned funds and a large number of premium income,in the course of business,because the risk can be measured using the measurement method,so the amount of insurance companies need to pay is roughly can be calculated.Remove this part of the funds,the insurance company has sufficient time to the remaining funds can be used in the investment in order to obtain investment income.Solvency is the ability of an insurance company to pay the insured person on time and in full in accordance with the policy.Insurance companies need sufficient funds to ensure the expiration of the insurance payment and liability,solvency is an extremely important part of the insurance company management,so the insurance companies are usually very much the pursuit of financial stability and security.It is very important to study the impact of the investment behavior of Chinese insurance companies on solvency under the current economic environment.China's scholars in the study of insurance investment mainly by quantitative method,by building a model to study how to optimize the insurance company investment structure,reduce investment risk,or raise the company's capital value and other issues.This paper analyzes the relationship between insurance investment and solvency through the case analysis of Ampang Insurance,which has attracted much attention in recent years.This paper is divided into five parts altogether.The first part: Introduction,introduces the research background of this paper,and studies the significance of investment behavior of insurance companies to solvency,analyzes the reason ofchoosing Ampang Insurance as the case study,and explains the research content and framework of this paper;Innovation and shortcomings.The second part: literature review and theoretical analysis,including internal and external scholars on the solvency of insurance companies,investment behavior and the relationship between the two studies.The third part: Anbang insurance solvency analysis,the use of Ampang annual report data and related information,a brief introduction to its basic situation,analysis of investment direction,solvency and the relationship between the two.The fourth part: Identify and analyze the risk of Ampang Insurance,mainly analyze the three kinds of risks of Ampang Insurance: the risk of capital source,the risk of mismatch of capital and the market risk.Based on the analysis of Ampang's investment behavior and solvency,the paper puts forward some suggestions on how to make investment on the basis of guaranteeing solvency of Chinese insurance companies.Ampang insurance case through the understanding of this article: First,Ampang insurance investment style is more radical,in essence,more like an investment and financial management company.And general insurance companies in different ways,Ampang insurance is more popular in investment banking,real estate and other projects.Second,there is a positive correlation between the investment behavior and solvency of insurance companies.Thirdly,there are three kinds of risks in Ampang insurance: the source of funds risk,the maturity of capital and the risk of market risk.Based on the above conclusions,the insurance companies in the solvency of the proposed investment on the basis of recommendations: the construction of investment period,cost-effective rational allocation of the model;combined with their own development orientation,rationally licensing joint venture;focus on the governance situation And strategic positioning.