An Investigation Report On The Insurance Fund Investment Of H Property Insurance Company Of Jiangxi Province

In recent years,the CIRC to speed up the pace of approval of the insurance company.These new build insurance companies are headquartered in place,led by the formation of local governments or state-owned assets.The local government is concerned,the insurance company in the local,not only can increase local taxes,can also become the local financing platform,the premium income available for investment in local projects,stimulating local economic development,this is the biggest driver of the insurance company headquartered in place.An insurance company of H insurance company was set up in this context.But to build a new local insurance company can through a long period of losses has great uncertainty,the withdrawal of state assets also It is often seen.CIRC has strict requirements on the solvency of the company,shareholders continue to inject.From the macroeconomic environment,the current global financial crisis has not yet subsided,the downtown pressure on the economy increase,transformation development and structural adjustment difficulties,capital market system defects,local debt risk concentration,facing the real estate regulation pattern,solid economic recovery is slow,H insurance company funds face greater risk.On the other hand is the insurance fund income requirements,H insurance company must be a large number of the use of insurance funds out to obtain the expected return,the H insurance company investment team made more stringent requirements.Therefore,to build a new insurance company is an urgent need to find a profit growth point.The insurance company’s profits are mainly from insurance underwriting profit and investment profit.The use of insurance funds and insurance are equally important,the investment of insurance funds can not only make up for the loss of insurance business,the insurance industry continues to maintain business,at the same time with the insurance company to increase profits,plays an important role to promote the healthy and stable development of the insurance industry.The use of insurance funds has become an important pillar of modern insurance enterprise’s survival and development,the insurance company has gradually become the compensation function and financing function of financial services.This article from the H insurance company capital source,properties of the H by the use of insurance funds,the choice of investment tool,investment structure as the main line,the analysis and research of H insurance company’s investment activities.On this basis,puts forward the existing funds in H insurance company’s problems.Aiming at these problems,the corresponding countermeasures are put forward.This article is divided into five parts,the specific content of each part is as follows.First of all,in the first part of this article briefly introduced the use of insurance funds,research and practice of domestic and foreign scholars,and Research on the use of insurance funds in China’s regulatory policy,to build a new insurance company,the use of risk capital and significance are summarized.Secondly,the second part of this paper gives an overview of the overall situation of the use of funds of H insurance company,including H insurance company’s basic situation,the insurance fund sources,mainly investment channels,investment structure and earnings.Pave the way for the following analysis of H insurance company funds problems.In addition,in the third part of a detailed study of the use of funds of H insurance company,the problems existing in the process,such as the irrational investment structure,investment risk management system is not perfect,lack of talents.Before putting forward the suggestions to solve these problems,the third part of this article of the United States,Britain and Germany to accept the use of insurance funds,hope to get inspiration from.Finally,according to the existing funds of H insurance company in question,and proposed the corresponding solution.The use of funds to reduce the risk of H insurance company as soon as possible,improve the use of venture capital returns.