Life Insurance Funds Investment Research

With the continuous development of the insurance market,the reimbursement of a scale-oriented supervision system is no longer suitable for the development of China's^insurance industry.The c-ross was born,and was officially released in February 2015 to enter the trial operation.On behalf of the formal implementation,the introduction of the c-ross,means that the focus of China's insurance supervision will shift from scale to risk.Before the introduction of the c-ross,the insurance reform of the insurance funds market had been in an upsurge,and the direction of supervision became front-end and stabilized.Under such market environment,the introduction of the c-ross has greatly promoted the transformation of the insurance company's investment strategy,and it can give full play of the investment level and innovation to insurance companies.The most frequently used life insurance companies for insurance capital are the most active in this context.At the moment,all life insurance companies are adding new investment directions based on their own development and choosing quality investment from them in order to increase the company's overall investment yield and increase the company's capital competitiveness.From the above perspective,the introduction of the second generation of compensation is a revolution for the use of China's life insurance capital investment,so the article uses qualitative,quantitative and empirical models research methods,the c-ross as the background to explore under the constraints of the c-ross,how can the investment of life insurance funds be used to achieve the optimal investment.The main structure of the article is as follows:First of all,analyze the background and significance of the introduction of the c-ross,and introduce the theoretical of the c-ross.Secondly,the qualitative analysis of the impact of the c-ross on the use of life insurance companies5 investment was performed,including the available funds,investment strategies,and investment structure.Then China Life Insurance was used as an example to demonstrate the impact of the c-ross of investment companies on the use of investment in life insurance companies.At the same time,the data on the use of capital in China's life insurance industry for the past decade was used as The sample establishes a mathematical model to obtain the optimal proportion of assets under the constraint of the c-ross:when the life insurance company takes 7.65%of the total assets investment bank deposits,37.9 1%investment bond assets,11.21%investment stocks,18.20%investment bonds Investment funds,22.30%of investment in real estate,3.90%of investment in offshore assets,the total expected returm on investment in this model is the highest as 10.06%.Finally,from the perspective of maximizing the income from the use of life insurance fund investment in China and minimizing the risk,the article gives suggestions on the use of funds for life insurance fund utilization and risk management in China.The specific recommendations include:(1)Setting a payment income area for the use of life insurance company assets.Adjust the company's fund use strategy and improve the matching of assets and liabilities.(2)Strengthen risk management in the investment process,establish a company-wide risk management system.