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Insurance Investment Research

Author: MeiXueSong
Tutor: YangShengGang
School: Hunan University
Course: Finance
Keywords: Fluctuations in the economy Insurance Investment Risk Management Insurance Insurance Innovation
CLC: F842
Type: PhD thesis
Year: 2007
Downloads: 1463
Quote: 8
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Abstract


With the development of modern insurance, the content of the insurance service no longer confines to the consultation of the insurable risk and management field, but combine closely with the consultation, operation of assets management together. Insurance service become closer to the combination of capital market day by day. Insurance industry has developed from simple loss compensation institution to assets management institution. In addition, the latter achievement has datermines insurance achievement. Insurance investment had already become the important part that the modern insurance depended on for existence and developments. Moreover, insurance assets also appear securitization trend day by day, the proportion insurance fund invest in seocks, bends etc. relatively higher in the developed countries. It demonstrates that insurance market and capital market merge deeply.From the insurance development experience of developed countries, two remarkable characteristics are: investment channel pluralism and investing in the capital market mainly--- So, to analyze and study the fund operation mechanism of the insurance deeply, probing into the effective insurance investment channel of our country become a subject matter which the insurance of our country faces at present; Meanwhile, follow the inherent law in the financial systems, to seek Chinese insurance sustainable development route becomes another great subject that the insurance of our country faces too. But we should be fully aware, that Chinese insurance development is still at the primary stage of low level at present. Compared with the developed countries, the depth and density of insurance the of our country still have greater disparity. In addition, because the insurance management adjusting ability and industrial policy are not unify, the change in financial variables makes Chinese insurance saty in the primary stage and in extremely passive condition. Narrow insurance investment channel and limited fund operation are the key factors that cause insurance companies development face predicament, This should cause the great attention of theory and practice circle.Analyzing the predicament of insurance development, complying with the trend of international insurance development, The author author believes that the integration of capital market and insurance market and high-efficient insurance investment is the inevitable choice for China’s insurance development and innovation. Using the experience of western developed country for reference, combining Chinese reality, regarding insurance company solvency improving as the core, guaranteeing insurance investment efficiency as the goal, risk administration skill as the means, Insurance companies should opernce fund according to the structure and characteristic of insurance fund, to form benign cycle. It is a great strategic choice of insurance’s development in the new period. Meanwhile, insurance enterprises of our country should structure the complex management mode of fund operation inside.The author links all content with a line in the study. This thread is: Modern insurance investment is not only the inherent request of insurance’s finance nature, but also the inevitable selection for insurance industry to answer up the changing situation of modern economy and financial development; achieving insurance market and capital market highly integration and coordinated development, carrying on insurance innovative strategy will make the insurance industry in China stronger and bigger.The innovative view of the thesis is: First, insurance investment is the inherent request for insurance enterprise’s financial attribute under the conditions of modern market economy. Besides, it is the basic way that insurances enterprises of our country extricate themselves from a predicament. Second, Chinese insurance investment system should be up under certain risk management mechanism. We must structure insurance fund operating system according to Chinese insurance and capital market actual. Third, insurance investment is the tie to carry on insurance market and capital market deeply combination. Insurance market and capital market highly integration is the platform of insurance innovative development. Fourth, insurance investment is the foundation of insurance products innovation and system innovation, and the innovative development of the insurance is the necessary condition for Chinese insurance industry becoming bigger and stronger.

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CLC: > Economic > Fiscal, monetary > Insurance > China's insurance industry
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