On The Application And Supervision Of China's Life Insurance Money

Insurance is a promising and prosperous Industry in China which has reached an outstanding achievement these years with the prompt development on number and scale of insurance companies, their premium revenue and total capital of insurance companies and so on. Chinese Government has issued many favorable policies constantly to widen the capital investment channels so that the insurance industries get more benefits through different investments. The investment environments consolidate the stable development of insurance company and also guarantee the stable society as a whole.However I notice that the average investment return of Insurance companies is still very low and can not match the rapid development of Insurance industry. The problem which Chinese insurance industry facing now is how to take the advantage of the widen investment channels to increase the efficiency of capital operation and return rate. In this essay I focus on the capital investment of life insurance because the life fund has a unique characteristic of long term nature. After a lot of reading and further study I try to make some comment and suggestion on the life insurance capital investment, risk management in compare with both successful and failure cases in the insurance industry of developed countries. I am sure that Chinese insurance industry will develop more healthy and scientifically to gear with the international standards.