Research On The New Channel Of Insurance Fund Investment

With the development of financial market in our country, in the background of implementing the new normal economic transformation in China, financial reform deepening, China's insurance industry has been sustained and rapid development, the status of the insurance industry in the national economy have become increasingly prominent. At the same time, the importance of investment and innovation of insurance funds increasing,the diversification of insurance funds is a trend. The rapid growth of the scale of China's insurance funds, according to market requirements, the need to further increase investment and innovation, in order to cope with the opportunities and challenges facing the insurance industry. The use of insurance funds is not only of great significance to the operation of insurance companies, but also has an important impact on the domestic capital market. A sound capital market must be backed by a developed insurance market, insurance investment is the main source of capital in the capital market.Use of insurance funds in our country the rapid growth of the scale, but there are still problems of assets and liabilities do not match, the irrational investment structure, the income level is low, the increasingly fierce competition, the development of the industry is facing new opportunities and challenges.2014 insurance funds alternative investment policy almost all liberalized, which also indicates that the future use of insurance funds will flourish. In the process of a series of policy liberalization, new channels for investment of insurance funds also worked in practice and innovative breakthroughs,such as debt investment plans,stock and bond combination pattern using, real estate investment, pension and health industry investment are the new channels for the investment of insurance funds accumulated valuable experience. So, why the insurance fund investment channels can be an important force to play an active role in the insurance sector? What are the rules and trends in the development of new channels of insurance fund investment, and what impact does this development have on the insurance industry? In this paper, through the analysis of the new Chinese channels for the investment of insurance funds in practice and innovation and overseas investment of insurance funds in practice, summarize the main idea is:firstly, compared with developed countries, Chinese investment of insurance funds is a new thing, is still in the initial stage, the current regulators have basically full liberalization of the investment scope of insurance funds and the proportion of investment. Chinese makes the investment of insurance funds in terms of capital scale and investment fields have a brilliant future. Secondly, the insurance capital investment in our country with full liberalization policy through a gradual process of development,from a practical point of view, at present already in some product innovation breakthrough and progress, become one of the essential insurance funds investment channel choice, has become an important support for the diversification of the investment portfolio of insurance funds. Thirdly,the investment of insurance funds will have a broad space for development in the future. China investment of insurance funds will be gradually to the internationalization, standardization, product innovation, risk prevention and investment ability construction is the most important challenge at present and in the future, how to deal with these challenges will bring great changes to the development of the use of insurance funds. At the same time, this paper focuses on how to change the choice of different investment channels of insurance funds to choose the space and constraints, the study will have a positive theoretical and practical significance of the development of insurance funds investment.