Research On The Practice Path Of Insurance Funds Participating In Asset Securitization

In recent years, China's insurance industry has grown rapidly, the insurance market has gradually expanded, the influence of the insurance industry has been unprecedented,and it has been one of the financial industries that people can not lack. At the same time,the insurance competition is increasingly fierce, insurance products, profit margins have been compressed, insurance company's underwriting profit has been close to zero.Therefore, the comprehensive use of insurance funds firmly grasp the insurance industry,the eyes of profitability. Insurance industry asset operating income has long become the insurance industry, a key source of economic benefits, insurance asset management capacity is the new era of control and dominate the development of insurance units the primary force.As China's economic development into the "new normal", the scale of the use of insurance funds continued to grow and the gradual slowdown in economic growth has become a contradiction. At the same time with China into a new round of interest rate cut cycle and loose monetary policy environment, the use of insurance funds increasing pressure. However, the characteristics of insurance funds determine the safety of the use of insurance funds have a higher demand, while the use of funds liquidity, yield,investment period matching also have a certain set. From the current situation of the use of insurance funds in China, the asset allocation is not reasonable. Based on this, the study of insurance funds to participate in asset securitization of insurance funds to use the path to open up a positive role in promoting, while the insurance companies to optimize the allocation of assets and liabilities also has practical significance.This paper starts from the first single insurance securitization products in China -"Taiping Life Insurance Pays", and explores the necessity and feasibility of the participation of insurance funds in asset securitization in China, and draws lessons from the existence of securitization of insurance assets in western countries The problem of China's insurance funds to participate in securitization of the revelation, and then explore the promotion of China's insurance funds to participate in asset securitization path analysis, and put forward insurance funds to participate in asset securitization risk prevention countermeasures and suggestions..