| With the increasingly fierce market competition of life insurance companies and the shrinking of underwriting profits,the investment of life insurance funds is closely related to the long-term stable operation and development of life insurance enterprises.How to improve their own investment return and make up for the insured profits with investment return is a problem that life insurance enterprises are facing now.China is reforming the use and management of insurance funds,and expanding the investment channels of insurance funds.At this time,life insurance enterprises bring opportunities and challenges,because income and risk coexist.The use of life insurance funds will bring return on investment and improve the company's profits,but at the same time,the use of life insurance funds will also be affected by the risk of internal and external environment.How to effectively control the risk has become an urgent problem for insurance companies.Therefore,the purpose of this study is to select case company C as one of many small and medium-sized life insurance companies.I hope that I can identify and analyze the risks of C Life Insurance Company's use of insurance funds,combine the annual information disclosure reports from 2015 to 2018,make a qualitative analysis of financial indicators of the use of funds and quantitatively analyze its risk value in the use of funds by using Va R model,and put forward practical opinions and suggestions in combination with the above qualitative and quantitative analysis of C Life Insurance Company,so as to provide reference for the research on risk management of the use of funds in China's life insurance industry. |
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