Research On The Path Of Insurance Fund Investment In Infrastructure In New-type Urbanization

In 2016,the annualized rate of return on the use of insurance funds was only 3.95%,while the one-year deposit rate of Banks was 3.5% in the same year,which requires insurance companies to improve the efficiency of the use of funds.The significance of this study lies in that under the background of new-type urbanization construction,the existing infrastructure investment modes are systematically sorted out,and a new path suitable for insurance fund investment is proposed in combination with the current development situation of China's insurance industry.The introduction of the new model can alleviate the problems such as single investment channels,high concentration,relatively low income and weak ability to resist inflation of insurance funds for a long time,providing a new impetus and path for the healthy and stable development of insurance companies.Research of this paper is divided into five parts,which is divided into five chapters,the first chapter is the introduction,the second chapter,first of all,this paper introduces the present situation of the insurance industry and the new urbanization,large amounts of money demand from new urbanization and the local government fiscal gap and the accumulation and use of insurance funds from three aspects,lays a foundation for the following analysis.The third chapter introduces the feasibility and significance of the insurance fund to support the development of new-type urbanization,that is,to invest in infrastructure construction,and expounds the interactive relationship between urbanization construction and insurance industry.The fourth chapter,as the core chapter,explores the path for insurance funds to participate in the construction of new urbanization infrastructure and related cases to fully grasp the development opportunities brought by the new urbanization.Chapter five puts forward more optimized countermeasures and Suggestions for insurance fund supporting infrastructure construction in urbanization.From the perspective of the development strategy of insurance companies,this paper expounds the feasibility of the path from the perspective of the matching degree between the property of insurance funds and the property of infrastructure projects and securitized products.This paper enumerates the existing ways to invest in infrastructure and puts forward a new path combining with the development status of China's insurance industry.The construction fund of new-type urbanization is only dependent on the government,which is difficult to realize,while the insurance fund just conforms to its attribute characteristics.Insurance companies should seize the existing policies and market opportunities and make full use of insurance funds.The investment of insurance funds according to different models is not only conducive to the long-term healthy development of insurance enterprises,but also to the rational distribution of social wealth.It is a good act of capital for the benefit of the country,the business and the people,as well as the concentrated embodiment of the scientific outlook on development in the economic level.