Research On The Operation And Supervision Of Insurance Funds In China

In recent years,China in the period of economic downturn,return on assets is low,market equity is scattered,the market of Capital M&A is surging,and insurance funds placard often occur.The case of Qianhai Life Insurance and Vanke's equity dispute is most typical.Facing the severe market environment,the China insurance regulatory commission has formulated a series of guidelines and policies,and the strict supervision and prelude has also been opened.This paper takes the case of the equity dispute between Qianhai Life Insurance and Vanke as the entry point,and studies the operation and supervision of insurance funds in China,in-depth analysis of the problems brought by the emerging insurance companies represented by Qianhai Life Insurance operation blind insurance to enter the market.The case analysis method and financial indicator analysis method are used to study the risks and impacts brought by insurance companies entering the market to the insurance companies themselves and the brand targets.The research shows that when insurance companies enter the market recklessly,they will lead to unbalanced capital utilization structure,serious mismatching of assets and liabilities,insufficient solvency and increased liquidity risk.At the same time,they will also lead to a decline in the profit margin of the listed companies with risk assets.The proper involvement of insurance regulators can optimize the allocation structure of insurance funds and promote the development of capital market.On these grounds,Based on the experience of the United States,Britain and Japan,this paper puts forward some suggestions to promote the compliance of insurance capital utilization in China from three levels: the country,insurance companies and other financial institutions.This paper argues that China's insurance regulatorscan implement dynamic supervision,with the help of the advantages of the big data era,to establish an insurance information supervision mechanism in line with China's national conditions.At the same time,insurance companies need to adjust the allocation of assets and liabilities,enhance risk control capabilities,and accept the supervision of leveraged funds by relevant departments.