Analyze Supervision Of The Use Of Insurance Funds In China From The Dispute Of Baoneng And Vanke

In recent years,the economic development of our country is at the bottom of L-type.The development of real economy is difficult and the volume of fictitious economy is too large.In reality,the phenomenon of "off to real" and "currency idle"have become more and more serious.However,there is a "gray rhino" phenomenon in the financial sector.The insurance industry poses major risks and risks in the use of insurance funds.There are issues such as placards with irrecoverable capital and investment,vicious acquisitions with non-insurance unions,radical management and investment by insurance companies,misuse of products such as universal insurance.The two-year dispute between Baoneng Department and China Vanke Stock Co.,Ltd.is a microcosm of China's financial resources in recent years,and it will leave a deep impression on the history of financial market development.At the same time,irregular use of insurance funds to chaos in the event performed most vividly.The rational use of insurance funds relates to the healthy development of the insurance industry and also relates to the national financial security.Therefore,taking the dispute of Bao Wanwan as a case,it is necessary to explore how to guide insurance capital to better serve the development of the real economy and maintain the national financial security with high research value from the perspective of supervision.This article is based on the case of Bao Wan disputes,first analyzes the value of Bao Wan disputes,introduces the background of each participant,and sorts out the specific process of the case;Secondly,from the regulatory environment,economic environment,and capital market,the background of insurance fund raising,the change of regulatory policies,the reform of universal insurance rates,and the aggressive business model of insurance companies are used to analyze the motivations for the concentration of insurance funds;Thirdly,it was found that there was a malformed universal risk misleading insurance funds to escape the real situation,Qianhai Life lost the insurance capital to use autonomy,and the insurance regulatory department failed to reasonably guide the insurance fund escalation and other regulatory deficiencies;Fourth,analyze the causes of regulatory deficiencies in areas such as weak supervision of the use of insurance funds,lagging regulatory policies,unresponsive regulatory authorities,lack of supervision and awareness of the development of real estate services,and other areas.Finally,it put forward proposals from four aspects:comprehensively strengthening the supervision of the use of insurance capital,improving policies related to the supervision of the use of insurance funds,raising the overall supervision level of insurance regulatory agencies,and actively guiding the economic development of insurance service entities.Recognize the inherent relationship between insurance capital and the development of the real economy,give full play to the long-term capital advantages of insurance funds,and effectively improve the ability of the insurance capital to serve the real economy,and serve the national strategy of the“One Belt and One Road”and "Xiong'an New District Construction”and support major Livelihood project construction.