AB Insurance Equity Investment Strategy Research

In recent years,China's insurance industry has been developing rapidly and maintaining steady growth.Under the background of national new era and various policy dividends at the national level,the insurance industry has entered the golden era of equity investment.The main performance of the current insurance industry is that the allocation of insurance funds is more diversified,the structure is more rationalized,the investment income is steadily increasing,and the investment operation is more prudent and prudent.In order to improve and solve the problem of investment level and mismatch of the income of insurance funds,it is necessary to properly carry out equity investment in the state of reasonable control of risk and allocation of assets.The gap between insurance companies and other market investment institutions lies in the reserve of talent and the idea of investment and experience.In addition to the risk of conventional financial investment,it also faces high moral risk.Under the environment of the capital market exit channel,the pressure of capital recovery is relatively large.Therefore,this paper is very necessary and valuable for the study of equity investment strategy of insurance companies.On the basis of collecting and consulting a large number of documents,this paper takes AB insurance as the specific research object and analyzes its current equity investment,including investment,investment strategy and investment effect on the basis of collecting a large number of documents.Then it analyzes the problems and causes of AB's insurance equity investment strategy,and finally puts forward the countermeasures and safeguard measures of AB's insurance equity investment.Through the research of AB's insurance equity investment strategy,this paper gives two points: first,the AB insurance equity investment style is more radical.Different from the general insurance company's investment style,AB insurance favors investment banks,real estate,business and so on.The industry has high correlation and high risk.Second,the current equity investment mode of AB insurance shows that the long-term equity investment is too fast,the source of capital depends on the investment fund of the insured,and the investment industry has too strong relevance.This causes the solvency of AB insurance to have three kinds of risks,that is,capital source risk,capital investment mode risk and market risk.Based on the above two points,a more reasonable and detailed guarantee plan is put forward in the concrete countermeasure analysis.