The Research On Insurance Investment Risk Control Of Our Country

The insurance business is modern financial system's one of three big props, may also compensate loses, allows temporary credit the fund, the promotion economic stability; May also the transfer risk, the management risk, the promotion society be harmonious. The insurance investment and the insurance business survival and the development already merged into one organic whole, the insurance investment service's development expanded Insurance company's profit ability and the management stability, simultaneously lightened the policy holder burden, enhances company's competitive power.The insurance investment already became our country insurance business at present the important content, is one of the insurance business survival and development important premises. At present, our country insurance property total quantity increases gradually, invests the channel to be day by day broad, investment variety complex diverse. But, the insurance investment is"the double-edged sword", may be called the whole world insure flagship's American Group International AIG body to fall the financial Tsunami, own says from the insurance business, may say is the calamity innovates the investment, the calamity insufficiency of the investment risk guard. Therefore insures the investment to our country the risk to carry on the analysis and the appraisal, and proposed that the risk control's related counterm easure, has the very vital significance to our country insurance business' healthy development.This article is precisely launches the thorough fundamental research based on this background. First introduced the insurance investment's correlation theories, points out the insurance investment the implication, the sources of fund, the insurance investment significance, the insurance investment"the three characteristics principle"as well as the insurance investment classics correlation theories model: The property debt management theory, the property portfolio management theory and the risk management theory, has provided the theory safeguard for insurance investment's robustness; Through insures the investment historical development to our country combing, proposed in the insurance investment faces, the exterior risk, the research discovered:"the spread damages", the Insurance company risk conduction mechanism, the insurance supervision is causes the insurance investment the risk controllability bad root; Simultaneously introduced that the US, Britain and Japan and so on developed country insurance investment risk control's present situation, had proven our country insures the investment ratio, the investment way as well as the investment supervises three aspect insurance investment the risk control insufficiency; Finally bases our country to insure the investment the development present situation, profits from the overseas insurance investment the advanced experience, private solicited the stockholder's rights fund, Insurance company's internal management structure, Insurance company's money market link boundary and the insurance supervision from the insurance investment's new channel proposed about strengthened our country to insure the investment risk control to be possible to operate the suggestion.