Study On The Legal Issues Of Insurance Funds Management

The use of insurance funds in the development of insurance industry and the management of insurance companies is becoming more and more important.Its efficiency and benefits are directly related to the development and future of insurance companies.The risk of insurance fund investment and the uncertainty of investment income may cause problems in the solvency of insurance companies.Coupled with the rapid changes in financial markets and the chasing of insurance funds,it is decided that insurance regulators should take measures to regulate insurance funds.The necessity of using behaviors and preventing the use of insurance funds is of great significance for maintaining the rights of insurance consumers and promoting the stable and healthy development of the insurance industry.Based on the current situation of the use of insurance funds,this paper analyzes the shortcomings of the current insurance fund management system from the perspective of law,compares the insurance fund utilization and supervision of the developed countries,and proposes the improvement of China's insurance fund management system.This article is divided into four parts.The first part expounds the basic theory of the use and supervision of insurance funds,clearly defines the nature and connotation of insurance funds,which is the basis and premise of the use of insurance funds.The use of insurance funds must adhere to three principles—safety,liquidity,and profitability.To ensure the implementation of these three principles,insurance companies must use insurance funds in a standardized,reasonable,and scientific manner,and insurance regulators must implement effective supervision.Enable insurance companies to achieve the most reasonable use of insurance funds and improve the company's profitability.The second part clarifies the basic concept of the use of insurance funds in China,discusses the current regulatory laws and regulations and the composition of the regulatory system,and analyzes the shortcomings in the current insurance fund management system.On the whole,from the time of resuming domestic insurance business in 1980 to nearly 40 years now,there are more and more channels for capital use,investment behavior is becoming more standardized,and the regulatory legal system is constantly improving.However,the current insurance fund application supervision legal system remains There are many problems,including the legal system,the construction of the solvency system,the construction of the talent team and the self-discipline organization of the insurance industry.Through the specific analysis of the shortcomings in these aspects,it lays the foundation for the following suggestions.The third part introduces the use and supervision of insurance funds in developed countries in the insurance industry,including two common law countries-the United States and the United Kingdom,two civil law countries-Germany and Japan,which explain the use of insurance funds in these countries.Channels and investment portfolios,insurance funds use regulatory organizations and laws and regulations,highlighting the regulatory and institutional highlights of countries,and analyzing China's reference.The fourth part combines the experience of developed countries in the insurance industry,connects with China's actual and basic national conditions,and puts forward some suggestions and suggestions on the problems existing in China's insurance supervision.It should be based on the "Insurance Law" as the core and the "Administrative Measures on the Use of Insurance Funds".Require the insurance entities,broaden the investment channels,and further improve the second-generation solvency supervision system that China is currently building.At the same time,the insurance industry associations should play a greater and more active role in insurance supervision and strengthen the use of insurance funds.Supervise the construction of the team,improve the overall quality of personnel,improve the insurance fund supervision system in China,and improve the use of insurance funds and the level of supervision and modernization.