Study On Risk Management Of Insurance Funds

The risk management of insurance funds is an important part of insurance company's overall risk management.Conform to the actual needs of the insurance company,this study will help insurance companies to further improve the insurance fund use risk control measures,at the same time also help insurance companies operating risk control on the whole.Use of insurance funds in China is divided into five channels,in the process of fund use face of systemic risk and systemic risk,and insurance company's internal risk,the risk of comprise the use of insurance funds.This paper takes the current use of insurance funds in our country as the background,through the channel of capital operation of the data found the hidden trouble of the use of insurance funds and risk,combined with the actual case analysis of H company,from the micro level,risk management and control of the use of insurance funds is studied.This paper studies the risk management of insurance fund application from two aspects,on the one hand,the risk management of insurance fund operation mode and the risk internal control of insurance company.The theoretical analysis mainly introduces the method of insurance fund application,the existing risk and the basic concept of internal control.The case studies the capital utilization of H company carefully,and analyzes the possible risks of capital utilization of H company from the relationship between the fund utilization channel and solvency.Then,analyses the risk of H company internal control,mainly introduced the H company's risk management framework,process,system and model,as well as the limitation of risk management,after analysis found that H company and the investment organization in their supervision loopholes.Through the research of this paper,we have obtained the following Suggestions for the improvement of risk management of insurance funds:(1)appropriately reduce the investment of stocks,and increase the investment of infrastructure investment and corporate bonds;(2)optimize assets and liabilities matching management;(3)optimize assets and liabilities matching management;(4)improve the structure of investment management organization of H company to help strengthen the management of policy risk and market risk,and adopt the group holding investment mode;(5)strengthen the supervision of insurance fund application.