A ERM-IF Based Research On Insurance Agent Investment Risk

Because of global finance integrates, liberalization impact, the competition in insurance industry becomes more furious day by day. It is impersonality asked that insurance agent must improve its yield by efficient operation of insurance fund, especially the investment yield, to cope with the more and more high anticipative compensation. For a long time, however, confined insurance fund investment channel fetters the development of our insurance. It brings on asset and debt of insurance agent doesn't matching badly, and insurance can't exert its function of facility. Early in 2005 insurance fund is authorized entering into stock market. Since this act broaden insurance fund investment channel, it will mitigate the stress of investment in single market, in favor of enhancing Core Competence of insurance industry. It is called the necessary approach of improving insurance fund investment performance. However in back of hurrah, people takes consciousness of that it is better keep on clear-headed with authorizing of insurance fund's entering into stock market. entering into stock market of Insurance fund must hold"the balance on edge", because of its connection with the national economy and the people's livelihood. The principal matter is how to control the investment risk of insurance fund effectively. So this research will aim at the"insurance problem"of investment of Insurance fund, utilize the newest research production on internal control theory of COSO——"Enterprise Risk Management Framework"(ERM-IF) as basis, construct risk management application framework of insurance agent investment, and in expectation of exploring the fresh approach of improving the risk management of Chinese insurance fund investment.There are four chapters in the research. First chapter is introduction, will first probe into the research background, and then educe the two aspects of topic. The research objective, method and article frame are introduced after reviewing the interrelated literature.Second chapter is interrelated theories of insurance fund and ERM-IF,...