Rational Thinking On Improving China's Life Insurance Investment

The investment in life insurance is the main pillar to the existence and development of the modern life insurance industry. Since 1982, When the government regained the life insurance has advanced at a miraculous pace. But it is still under a lower level in our country. And it has restricted the healthy development of the life insurance industry seriously. According to the present situation of our country and the international experiences, the dissertation analyzed counter-measures to perfect our country's investment in life insurance progressively.The dissertation contains seven parts as follows:Part I analyzes the restraint to the investment in life insurance form the source of the life insurance funds, and makes clear the significance of the investment to the life insurance industry on the basis of distinguishing the essential conception between the life insurance and the investment in life insurance.Part n elaborates the process of the investment in life insurance in our country. Having found it's existing problems originally, the dissertation makes penetrating analysis on the restraint to the investment in life insurance from the outer investment environment and the inner investment mechanism.Part HI sums up the common experiences of the investment in other countries, and applies them to our country by compartive analysis.From the point of characters of the life insurance funds, part IVinquires into how to set up scientific and reasonable and efficient investing tactics, so as to evade hazard of investment and increase the investing profits.Part V analyzes how to establish perfect law system for the investment in life insurance (including revising the existent ordinances), thus provides practical lawful protection for it's implement.Part VI establishes the mutual-linkage model that is relied on the Financial Mutual-Linkage Theory (FMLT) and evaluates the effect of entering the capital market of the life insurance funds.Part vn demonstrates the feasibility of perfecting the investment in life insurance in our country. The dissertation also put forward creative suggestions in policy, which were on the basis of dynamicly adhereing to the 3c principles of the funds' applying and other countries' experiences.In a word, the new thinkings of this dissertation mainly lay in the special and systematic research on the investment in life insurance in our country Especially using the experience of others for reference and basing upon our country's present situation, the author put forward proposals in policy to perfect the investment in life insurance industry. All of these are beneficial to the innovation and development of the investment in life insurance.