The Research Of Insurance Capital Invest In Small And Micro Businesses

Looking for a new mode of investment of insurance funds and realizing "diversity" of investment combination,not only can solve the problem of the variety is single,the way is narrow and the difficulty to increase the value of the insurance funds,but also can solve the problem of investment rate and the problem of the mismatch of assets and liabilities.In recent years,under the encouragement of current national policies,small and micro businesses have developed rapidly,and become an important force to promote economic development and it is good for us to achieve social stability and harmony.However,financing difficulties have been plaguing the further development of the enterprises.Therefore,supporting the investment of insurance funds to invest in small and micro enterprises is a mutually beneficial and win-win result.In recent years,insurance funds invest in small and micro enterprises have been strongly supported by national policies.In 2015,China CIRC issued "guidance" to develop the credit guarantee insurance service the Small and micro businesses,which clearly support the investment of the venture investment fund,encourage to innovate the channels of capital investment,force the insurance funds to help the development of the Small and micro businesses.In 2016,under the promote of the Jiangxi Insurance Regulatory,Chinese people's insurance group raise about 500 million yuan to purchase the assets of small loan companies and the small loan companies,which in Jiangxi Gannan's financial assets trading center.Using those ways to deliver insurance funds to Small and micro businesses,is create the new model of insurance funds to support the development of Small and micro businesses.Before the author to write this paper,the author has already analysis many foreign books.This article uses not only the relevant writing methods but also the principles of economics.This article includes four aspects,first,the present situation of the small and micro enterprises invested by China's insurance funds is briefly analyzed.Specifically,it is analyzed through three aspects.First,the related theories of small and micro enterprises investing in insurance funds;Second,the advantages of investing in small and micro enterprises;The last,the investment in small and micro enterprises.Secondly,analyze the necessity and the feasibility of the insurance funds to invest in Chinese Small and micro businesses.Thirdly,elaborate the international experience and put forward the enlightenment to our country.Finally put forward the path of Chinese small micro enterprise investment of insurance funds and investment advice.The advice including The government actively built a financial docking platform;Actively innovative credit model;To encourage insurance institutions innovative use of funds;The positive development of the credit guarantee insurance;pay attention to the cultivation of professional team and introduce advanced management technology.