| Insurance underwriting and insurance investment bears an important mission to improve competitiveness of Insurance company and promote prosperity and development of the insurance industry, particularly in the success or failure of the insurance investment business, and whether the interests of policy holders could gain a stronger protection or not and even the healthy and orderly development of the whole national economy could be effected. Therefore, all countries have set up a legal supervision system of insurance investment funds with their own characteristics, prevent risk of insurance investment and promote a steady development of the insurance industry. Now, China has gradually opened up investment channels to enhance efficiency in the investment of insurance funds, which means that the insurance investment will face with more complex risk of investment, and need the government to strengthen the supervision of the investment of insurance funds. But because of insurance industry started late, China is inexperienced in supervision of the insurance investments, and a sound insurance regulatory system has not yet formed. Owing to the Government over controlled in the insurance supervision, the industry associations and self-discipline, social regulation, corporate internal control have become a vassal of government regulation and failed to play its due role. This will increase the cost of monitoring the investment of insurance funds and reduce the efficiency of regulation. Therefore, how to improve the legal supervision system of the investment of insurance funds, to build a national regulatory, industry self-regulation, social regulation, corporate internal control coordinated development of the insurance regulatory system, all of these problems need to be solved. This article deeply analysis the our existing regulatory system of insurance capital investment problems, basing on reference to the advanced foreign experience in insurance regulation, and put forward a sound regulatory of supervision system of the insurance investment. Full-text is divided into four parts.The first part focuses primarily on the relative basic theory on regulation of the investment of insurance funds, and laid the groundwork for the discuss of supervision of the investment of insurance fund. On that basis, this part illustrates the details of the importance of supervision. After analyzing the value of safety and efficiency, we could make clear that value of the regulatory objective is base on security to pursue efficiency, and put forward the appropriate supervision and Construction of multi-level system of insurance supervision is the main way to enhance the efficiency of insurance supervision.The second part is a comparative analysis of research methods, mainly represented by the strict supervision of the United States and the loose supervision of the Britain. After introduce the use of insurance funds control system the two countries, we could learn from the experience of insurance regulation in developed countries.The third part firstly talks about China's history about regulatory use of insurance funds by means of segments playback, after Seize the development of context on investment of insurance funds of China's regulatory, then with the passage of time the line of sight we could come back to the current situation on investment of insurance funds of China's regulatory.And China's problems in supervision of the investment of insurance funds are carried out a systematic combing.The fourth part is mainly about a sound proposal on supervision system of the investment of insurance., After clearing about the main part of regulation of the investment of insurance funds, we could make out the relationship between other insurance regulatory body and administrative supervision, At last is some proposal on different insurance regulators. Construct the multi-level legal system of monitoring the investment of insurance funds which is a national monitoring as the center, industry associations as an important part of self-regulation, social regulation is added, the insurance company internal control is basic. |
