Research On Insurance Fund Investment Portfolio Management And Strategy Based On The Perspective Of Asset Allocation

Insurance market in China has increasingly developed in the trendof internationalization.According to the relevant statistics,currently the number of foreign invested enterprises entering to Chinese insurance market is growing with each passing day.The main reason is that our financial market has reduced the relevant requirements forforeign investment and our sincere acceptant attitude to foreign investors is also increasing day by day.This change of financial market in China is mainly due to the certain advantages those foreign insurancecompanies possessing,which is worth to be learned by our domestic insurance companies.The most noteworthy thing is that we could learn a lot from the foreign capitals of their rich experiences of insurance business investment and with these experiences,foreign capitals can occupy a certain advantage in our domestic market with insurance products at lower prices,which enhances the competitive pressure of our own insurance companies.Compared with companies in foreign countries,our domestic insurance companies really have a lot of deficiencies,and these deficiencies led to the fact that more substantial investment income can not be obtained in these enterprises,to a certain extent,it increasedthe cost of company input,and their operating profits are mostly dependent on natural insurance premiums,so the appearance of deficit seems to be inevitable.Therefore,insurance companies in China must increase their own capabilities and improve the scientific nature of their investments so as to achieve an profitable situation successfully in which they can reverse current unbearable losses.In view of the fact that the country has not paid too much attention to the development related issues of the investment business of insurance companies,at present the entire insurance industry is trapped in the embarrassed situation of low yield and high risk.Therefore,insurance companies must plan scientifically to face to this problem,and find out their ownshortcomings,analyze the deficiencies in the process of business running rationally,and learn relevant theories,methods,and techniques of rational investment to minimize the risks.All these will further promote the steady and healthy development of the insurance companies.The main entry point of the idea is the relevant conditions required for investment of insurance funds and the relevant characteristics of insurance funds' investment.Through an effective and flexible application of modern investment portfolio theory,combining the advanced insurance industry status of two major developed countries like the United States and Japan practically with our domestic situation studies,to analyze and study its deficiencies from various aspects and look forward to the future optimistically.There are three main aspects of the analysis: The first is the investment channels,the second is the proportion of investment,and the third is the supervision of investment.Finally,through the above analysis and summary,make assessment of future development trends proactively combining with the strong empirical research conducted according to the existing relevant valid data from Ping An Insurance company,to establish a set of practical capital investment portfolio models to achieve further optimization of the investment strategies and the investment portfolio of insurance companies.