The Research On The Security Of China's Insurance Funds

At present,China's insurance industry is one of the core components of the financial industry.The core issue of the development of insurance industry is the application security of insurance funds,which is not only related to the development of insurance companies themselves,but also related to the stability of China's financial market.With the strengthening of the national consciousness of risk management,insurance business has developed rapidly,expanding investment of insurance funds,insurance companies become investment on securities market share of a large and stable institutional investors,huge role in maintaining the orderly development of financial market.Although China's insurance industry has achieved remarkable development since the reform and opening up,it also faces the problem of how to use insurance funds efficiently and safely.In this article,through comprehensive analysis the history and status of use of insurance funds in our country,summarizes the problems existing in the use of insurance funds in China security,found that use of insurance funds in China are investment assets and liabilities not matching,irrational investment structure,insufficient fund management ability and regulatory risk.At the same time,the author draws lessons from foreign experience and puts forward the essential rules and regulatory-requirements of insurance fund utilization.And on this basis,using VaR model,using China's ping an insurance and business insurance investment from 2011 to 2016,the data to carry on the empirical analysis,and put forward our country maintain insurance fund use safety countermeasures and Suggestions,to explore the direction of the market-oriented reform of insurance funds in China,to explore China's insurance regulator to change the way of use of insurance funds supervision,establish a more effective is more suitable for our country risk monitoring and early warning system and the use of insurance funds risk evaluation mechanism.Starting from the risk management theory,this paper studies the safety of insurance funds in China,systematically analyzes the existing risks of insurance funds in China,and gives Suggestions on controlling risks.The research results of this paper can provide experience for relevant practitioners,theorists and policy makers.