X Insurance Company’s Investment Portfolio Management Strategy Study

Financial liberalization and financial innovation and development conditions, insurance companies have become increasingly important capital market institutional investors, financial functions have become increasingly prominent insurance company functions. Insurance and intense competitive environment, the insurance companies in the market to maintain the competitiveness of the environment, strengthen the insurance company’s investment management, which has become a major insurance company is bound to pursue directions. For now, the fee is poor, died poor and spreads consisting of the "three bad" loss of China’s insurance business is the source of profits. And because the price of insurance products will be poor and died poor charge effects, which in turn directly affects the sales of insurance, so I want to help poor and died poor fee to get profit, there must be largely limited. In addition, subject to China’s WTO commitments honored when the impact of China’s insurance market has a large number of foreign insurance companies began to enter the increasingly competitive environment, the fee difference will gradually shrink to zero even up negative. Therefore, the insurance investment is a major insurance company to obtain sources of profit. China has long been subject to investment channels of insurance restrictions on China’s insurance companies, a substantial portion of its funds are stagnation pressure in the bank, but by the People’s Bank of China lowered interest rates measures, insurance companies spread side suffered a lot of losses, the investment benefit of the insurance company had a serious impact.In this paper, first of all the relevant insurance fund investment theories are outlined, including the risk-benefit theory, portfolio theory and modern investment theory. Secondly, the analysis of the foreign countries the status of the insurance portfolio, including the United States, Japan and South Korea, and combining these countries, analyzes the current situation of China’s insurance and investment issues, and these issues because the track. Then, X insurance company investment portfolio as an example, through the establishment of Markowitz portfolio selection model for comprehensive analysis, and multi-objective model portfolio investment in the use of insurance were discussed. Finally, combining the above theoretical analysis and practical reference, the insurance company to find perfect X portfolio strategy recommendations. Including, vigorously construction X insurance company internal control system, the implementation of asset mix management strategies, and promote internal investment risk diversification, and the implementation of technical interest immunity against investment risks.Object of this paper is X insurance company portfolio strategy, summarized the insurance company portfolio X various strategies, and focuses on the indexation X insurance company portfolio. While many scholars at home and abroad on the basis of research, do some research and try to extend useful in certain aspects of the improvements and innovations. In the insurance fund investment research, in order to build indexation portfolio provides system solutions proposed insurance fund selection criteria and methods of indexation portfolio choice. Insurance funds also given portfolio performance evaluation indicators and methods.