Research On Insurance Princing Based On Insurance Fund Investment Theory

The investment is the core business of insurance, if the investment has not been exist, the insurance is also not exist. Now the insurance company manages the global 40% investment property, the insurance investment already is becoming the important prop which the modern finance insurance business could survive and develop. Modern Europe's and America's financial insurance business quite developed, this is to be inseparable with the high attention to the fund's effective movement. However, as a result of the history, the economy, politics and so on the various reasons, our insurance fund operation develops extremely slowly, the concrete manifestation is narrow insurance investment channel, low fund using factor.This article is for the purpose of through the theory and the reality union, the home and the overseas comparison analyzes the utilization of Chinese insurance fund, and give some suggestion to the problem , at the same time, using backward stochastic differential equation and investment theory has made some research to in the core question of insurance actuary - insurance pricing.First: Introduced the insurance fund investment principle "Law of insurance"center stipulated, and through the oligopoly ancient promise model (p－c_i)/p=s_i/ε showedthat the insurance fund investment income can directly affect the insurance company's market share and the benefit level, and further explains the affection of insurance fund the investment to the domestic insurance business development function.Second: From the intrinsic value theory, the market school of thought theory two aspects elaborated the investment theory survey, and showed the intrinsic value theory main analysis method is the economic analysis method, that of market school of thought theory is investment profolio analysis method and the technology analysis method.Third: Proposed suggestion through the real diagnosis on insurance utilization of...