The Present Situation And Trend Of Insurance Fund Allocation From Three Dimensions Of Assets,Liabilities And Policies

The popularity of insurance concept and the increase of per capita income make China's insurance industry showing an unprecedented high-speed development trend.And at the same time,it also generates huge amounts of insurance funds.The efficiency of insurance funds determines the operation of insurance institutions from microcosmic level,and also affects the overall development of insurance industry and even capital market from a macro perspective.Therefore,the use of insurance funds is very important for insurance institutions.The ability to use insurance funds will become the core competitiveness of insurance institutions.This paper mainly analyzes the application of insurance funds in three directions,the assets,the debt and the policy.First of all,starting from the asset side of insurance institutions,this paper analyzes the current situation and main problems of the allocation of insurance funds in China.The present situation of the allocation of insurance funds in China mainly describes the characteristics of the allocation of insurance capital in China from the aspects of the structure of the insurance funds allocation,the trend of disposition and the reasons.The analysis of the problems existing in the allocation of insurance assets in China is the basis for improving the allocation structure of venture capital and improving the efficiency of venture capital utilization.Secondly,starting from the liability side of insurance institutions,this paper analyzes the source of insurance funds and the status quo of insurance liabilities in China.Because the insurance funds are essentially composed of the insurance liabilities of the insurance institutions and the insurance liabilities that they have obtained after the premium income,and their own funds are smaller and more stable,it is helpful to analyze the types,duration and cost of insurance liabilities,which will help to analyze the impact of the insurance liabilities structure on the allocation of insurance funds.In addition,the analysis of the regulatory policy of the insurance industry is due to the differences in the regulatory focus of the insurance regulators in different policy backgrounds and in different stages of the development of the insurance industry.If we have mastered the main ideas of supervision,and have a full understanding of the current policy orientation,the insurance institutions are more scientific,forward-looking and timeliness in the allocation of funds.This paper,based on the current situation of the allocation of insurance funds and the existing problems,combines the characteristics and development trend of insurance liabilities and industry supervision policy,and finally puts forward some suggestions about the concept of insurance funds,the configuration of insurance funds,the final flow of insurance funds and so on,which can provide reference for the insurance allocation strategy.