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Most troubled insurance companies investment of insurance funds , performance : on the one hand , due to the development of capital market imperfections , life insurance companies lack effective means to match liabilities exposures , because of policy restrictions on the other hand , life insurance limited capital investment channels , two factors life insurance companies operating there are a lot of hidden . This article on the life insurance funds investment research object, to propose a solution for the life insurance funds investment options . The analysis of this problem is mainly from the following aspects are discussed , one summary of the development of life insurance and life insurance investment in the status quo . Secondly , the problems of life insurance investment analysis , and further pointed out the need for extended life insurance investment . In this paper, the problems of the insurance investment is divided into three categories, one category is less investment channels , and the other by the former type of problems caused by poor investment returns , the third category is the irrational investment structure . Again is the international comparison of life insurance investment , the introduction of several insurance industry in the United States, Britain , Japan and other developed countries, insurance investment . Finally, the channels of China's life insurance investment selection and risk control recommendations . Several controversial investment channels , which includes both the investment funds , stocks , mortgage loans , including real estate and infrastructure construction , In addition , the article also pointed out that China's government bond market should be further developed , in order to provide for the insurance funds more investment options for the central bank to create a more macro-control tools . In this paper, risk control discussions at two levels , one level from the perspective of the insurance company's internal control , This paper mainly discusses not risk control technology , but the concept of risk control , that is, how in the investment business and underwriting business to find balance point ; another level from the point of view of regulators , the paper argues that with the further relaxation of the insurance investment channels , the insurance industry should establish indicators of capital adequacy ratio , and put forward suggestions on the pattern established by this indicator .
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