Research On The Funds Utilization Of China's Insurance Companies Under The Background Of New Regulations Of Assets Management

In recent years,the unstable macroeconomic environment at home and abroad has exerted a tremendous impact on the use of insurance companies' funds.With the introduction of the New Regulations on Capital Management,new challenges and opportunities have been given to the use of insurance companies' funds.This paper adopts the research method of combining normative research with case study,and takes Fude Life Life as a case to make a comprehensive analysis of the use of insurance funds.Because of its low return on capital investment,deviation of investment behavior from the backbone of long-term value investment,and more radical insurance investment behavior,Fude Life lost 10 billion yuan in 2017.This paper analyses the essential law of capital utilization and explores the direction of market-oriented reform.At the same time,from the perspective of economics,through discussing the current situation of insurance fund utilization,this paper not only analyses the way of insurance fund utilization,the effect of investment and the trend of change in recent years,but also understands the problems of low income of insurance fund utilization,unbalanced structure and lack of market competitiveness of fund management institutions.At present,the low level of insurance fund utilization in China leads to the low rate of return on insurance fund utilization;secondly,there are fewer investment channels available for insurance fund at present.Despite the innovation and expansion in recent years,there are still some problems such as unreasonable structure and imbalance;thirdly,for insurance asset management companies,due to the lack of specialized and diversified management.The rational model makes it impossible to realize the specialized use of insurance funds because of the lack of core competitiveness in the investment industry.On the basis of breaking the new requirements of "rigid payment" and "multi-layer nesting" put forward by the "New Regulations on Management of Capital",this paper further expounds the irreplaceable position of insurance funds in capital market and real economy,lists the opportunities and challenges faced by the current use of insurance funds,and puts forward that it is conducive to achieving win-win situation from the standpoint of both investors and investors.The viewpoint of facet.At the same time,the challenges posed by market risk,credit risk and asset mismatch risk directly affect the security of insurance funds and the stability of insurance company operation.Under the coexistence of opportunities and challenges,how to use insurance funds in the future? This paper puts forward corresponding countermeasures and suggestions in the management and supervision of assets and liabilities of insurance institutions,investment ideas and investment channels of insurance funds.