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The Research of Stock Index Futures Investment to Promote the Development of China’s Insurance Business and Product Innovation

Author: YangYongXin
Tutor: LiuJun
School: Shanghai Jiaotong University
Course: Business Administration
Keywords: insurance funds stock index futures insurance investmentstrategy innovation of insurance product
CLC: F842.3
Type: Master's thesis
Year: 2013
Downloads: 66
Quote: 0
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Along with economic development, China’s insurance industry hasexperienced a rapid development cycle. The size of assets and the number ofcompetitors in insurance industry has increased rapidly. To gain more marketshare, more and more insurance companies began to lower the price ofinsurance products, while the labor costs and operating expenses increasedgradually. The insurance business is very difficult to maintain normalunderwriting margins. In the context of the gradual relaxation of insuranceinvestment restrictions, it will become more important for insurancecompanies to improve the yield of the insurance funds and to make up for thelack of underwriting business profits.Among the assets in insurance investment, the proportion and influenceof stocks and securities investment funds will increase gradually.To protectthe safety of the insurance investment funds and to reduce the loss ofinvestment due to the fluctuations of the stock market, looking for a suitable hedging instrument, and to develop a comprehensive insurance fundsinvestment strategy will be increasingly important.Stock index futures have speculation, hedging and arbitrage functions,while the insurance companies specialize in the operation and management ofvarious risks. The insurance investment must be very stable and steady, andstock index futures can be used as hedging instruments for insuranceinstitutions.On the other hand, insurance companies should pay more attention to therisks in the investment of stock index futures.This thesis first introduces the overall situation of China’s insuranceindustry on assets scale and insurance funds, discusses the inevitability ofinsurance investment, and analyzes the insurance funds about compositionand industry characteristics.Then, the thesis introduces the history of China’s insurance investment, andreveals the problem in China’s insurance investment.Secondly, the article pointed out that the stock index futures can play arisk-averse effect. The features and functions of the stock index futures werealso introduced. On this basis, the paper analyzes the feasibility of investingstock index futures for insurance funds.Thirdly, in order to promote the development of the insurance business, this paper focuses on how to design insurance investment strategies bycombining stock index futures hedging function with insurance products.Finally, the paper pointed out that the stock index future is a financialderivative, which also may enlarge the risk. Investment institutions need topay more attention to the identification and prevention of risks, to developand improve internal risk management measures, to maintain adequatesolvency and to meet the needs of business development.

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