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The insurance company is an important part of China's financial system, plays an important role in the national economy, and plays in the running of a modern financial system, risk sharing, financing, stable society and important role. That provide insurance coverage and to carry out insurance business in the the contemporary national insurance market, insurance companies generate and survival, then the use of insurance funds insurance company survival, development and growth of an important guarantee. Therefore, under open conditions, any insurance company in order to survive and develop in the insurance market, must attach great importance to the use of insurance funds. China's insurance industry has achieved rapid development in the past 30 years, a total of 148 types of insurance companies until the end of 2009, China, with total assets reached 4.063475 trillion yuan. In recent years, with the rapid development of China's insurance industry, foreign insurance companies continue to enter set up new insurance companies and domestic makes the increasingly fierce competition in the insurance industry, premium income after a rapid growth after a downward trend, China's insurance industry underwriting The profit margins of the business in decline, which makes insurance companies and to generate revenue through the use of insurance funds is very necessary. Well, the problem of how to effectively use the insurance funds, and continuously improve the efficiency of the use of insurance funds, to become the key to the relationship between the survival and development of China's insurance industry. Firstly a brief description of this study background, purpose, meaning, ideas and methods; followed by combing the theory of the use of funds of the insurance company, mainly including the possibility and necessity of the use of funds of the insurance company, sources, principles and channels as well as the efficiency measurement of relevant theory, laid the theoretical foundation for the follow-up study of this paper; analysis of the history and status quo of China's use of funds of the insurance company again summarized as four stages and 4:00 status quo; efficiency of the use of funds of the insurance company in China analysis, stochastic frontier analysis for the period 2005-2009, 65 insurance companies the fund utilization efficiency of insurance companies on behalf of the estimates, the the observed efficiency level change and the status quo. From the insurance company's internal estimates based on the efficiency of the use of funds of the insurance company, the starting points and company size two factors affect the efficiency analysis; Finally, based on the results of the empirical analysis of insurance companies to further improve the use of funds efficiency following recommendations: to broaden the use of insurance funds channels; raise the level of regulation of the use of funds of the insurance company; strengthen the use of insurance funds the talent pool, lay a talent base for the further development of the use of insurance funds in the future.
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