Research On The Management Of Risk Of Life Insurance Fund Use Channel

With the deepening development of economic globalization, based on the lifeinsurance fund liabilities and sustainable operation in the life insurance companies,theuse scale, using broader channels and using efficiency of life insurance funds of ourcountry unceasingly increase. But in the face of China’s insurance industry’s shortoperating time, the reality of the insurance company premium income, along with thedegree of opening to the outside world, the increasing financial pressure, the pressure ofcompetition and the pressure on the interest rate, the uncertainty of life insurance fundsare used in the investment channel of accumulated considerable risks also brings to theinsurance company, especially the development of life insurance companies the risk evenlead to the collapse of the company. Therefore, how the life insurance companies applyfor effective risk management of insurance funds is the need of life insurance company tobe serious and a careful consideration of a major problem.Base on the life insurance fund use channels and the importance of riskmanagement,the paper is divided into five parts.The first part, based on the case of2008Japan yamato life insurance companies’bankrupt as a starting point,and then make adetailed introduction of the whole case. The second part, on the basis of case,the articleanalyses the case of internal cause and external cause, and then make a conclusion thatwe should learn the lessons of get enlightenment. The third part, based on the basicpresent situation, the article of the status analysis the application of life insurance capitalchannel, and sums up the risks in these channels: General internal risk and external riskof capital operation and the risk arising from the special properties of portfolio risk andasset liability mismatch risk of life insurance funds. Life insurance fund use riskmanagement needs to analysis the reasons of the risk carefully. Only so, we can solve theproblem from the root. As a result, the fourth part analyses the risk our country lifeinsurance fund use channels faces from two aspects of micro and macro respectively. Atthe same time, the fundamental to solve all the contradictions is to suit the remedy to thecase, Thus, the fifth part of the article expounds the reason from the macro and microaspects respectively and put forward the corresponding management measures. TheFourth and the fifth part of the essay is the core and essence of the article, and they are the purpose of this study and the practical significance. Finally, the article makes aconclusion after reasonable suggestions are given based on the analysis of above.Although our country insurance business time is shorter,the overall scale and marketshare has had the very big promotion with a qualitative leap in the above businessvarieties and innovation consciousness in the short term. But as a result of long-term lifeinsurance liabilities, temporary premium income does not represent long-term assetspossession of the life insurance company. As a result, the fund use of life insurancecompanies to pay response to customer demand high demands are put forward.If lifeinsurance companies can benefit from a reference in the process of capital operation andstrengthen the consciousness of risk management and raise the level of risk management,Believe that there will be a healthy development of insurance market and harmoniousmanagement in the future in China, and then we can obtain higher achievement...