China Life Insurance Company Funds By Optimizing Research

"11th five-year plan" period, high-speed development domestic insurance premium income in 2010 than in 2005, the average annual growth of 2.7 times, far above 24.51% compared growth period of GDP growth rate. Insurance assets from the end of 2005 total 1.5 trillion yuan, up to the end of 2010, these trillion yuan in the development of national economy occupied an important position, insurance defended since 2007 the harmful effects of the international financial crisis, won the unprecedented development. The financial crisis era, insurance fund how to get strong returns is the insurance company to improve the economic benefit and sustainable management important topic. The second half of 2010, the circ new released four insurance investment fields important documents, broaden the insurance fund investment channels for improving the insurance enterprise funds, create conditions use of income.This paper takes the Chinese life insurance company funds for research object, by using asset and liability management theory, modern portfolio theory and risk management theory as the guide to application of funds of an insurance company at home and abroad for analysis, combined with the present situation of the latest release by the circ on insurance fund investment in four of China life the important documents of capital operation for research. This article USES the research method basically has comparative analysis, empirical analysis and investment decision analysis, data model analysis, etc. Around China life strategic development target of China life insurance funds in using environment on the basis of analysis, according to its funds utilization status quo, the empirical analysis, and puts forward optimum combination of assets, widen investment channels from strengthening internal control scheme, especially the construction and create new asset management pattern angles proposed dispersing risk strategy, participate in large infrastructure projects and equity investment, an effective portfolio, ascending funds utilization efficiency, avoid funds utilization risks, and opened the new investment channel, for other insurance enterprise to have the certain reference value.This article mainly analyses funds utilization of ensuring the realization of China life insurance company business targets full study, the significance of life insurance fund attributes of insurance funds, especially analysis of insurance funds utilization risks and internal risk management, the author proposed the effective risk management system, implement strong risk specific control measures. At the conclusion of "11th five-year plan" period insurance funds utilization annual 6% yields obtained in the current, based on the risk management realistic conditions, establishing scientific investment decision-making and operation architecture, strengthen the deal flow control and risk prevention monitoring, perfect the incentive-restricted mechanism, continued to promote the use of insurance capital gains enhances unceasingly.