Research On The Influencing Factors Of Mismatch Of Investment And Financing Term In Insurance Industry

As an important part of the financial industry,the insurance industry mainly plays the role of risk hedging.Recently,the income of insurance companies are from insurance fees and investment profit.For most insurance companies,investing in capital markets,such as bonds and loans,is their important or even the only way to make money.At present,with the encouragement of macro policies,a large number of insurance funds enter the capital market.Under the circumstances that a large number of insurers demand compensation,insurance companies may face a situation of liquidity risks because of insufficient capital reserves,and then withdraw a large amount of capital from the capital market.As a result,a capital gap in the capital market will cause serious chain reactions,it could worsen the economy,and affect social stability.Based on the economic problems caused by the mismatch of investment and financing terms in the insurance industry,this paper explores its influencing factors,in order to find the key influencing factors,and proposes corresponding countermeasures to lessen such risks.First of all,I learn and explore the development trend of the domestic insurance industry,and clarify the current difficulties for capital management of Chinese insurance companies.Secondly,I analyze the theories of investment and financing term mismatch,analyze the influencing factors of investment and financing term mismatch exposure,mainly from macro factors,industry factors and company factors,then I further improve according to the characteristics of the insurance industry.Then,I analyze the importance of the investment and financing term mismatch level to the insurance company to determine whether performance-related indicators are related to it.Finally,suggestions and countermeasures to promote the development of the insurance industry are put forward from the macro policy level and the insurance industry level.