Research On Risk Management Of H Life Insurance Company’s Capital Utilization Business

With the introduction of a series of insurance asset management related measures and supporting rules in 2020,the investment scope of insurance funds will be broadened,which will help guide insurance institutions to strengthen risk management and control,improve internal management,improve investment management capabilities,and promote insurance funds.Well docking and serving the real economy.Insurance funds are important long-term funds in my country’s capital market,and their capital attributes determine that insurance funds should pay more attention to long-term investment,value investment and responsible investment.Over the years,insurance funds have given full play to their long-term and stable investment advantages and actively participated in the construction of capital markets.End of 2020,the balance of the use of insurance funds was 21.7 trillion yuan,and nearly 16 trillion yuan was provided to the real economy through stocks,bonds and insurance asset management products.According to the data,as of the end of the third quarter of 2020,the investment of insurance funds in A shares accounted for 3.44%of the total market value,and the scale of investment bonds accounted for 6.49%of the total scale of my country’s bond market.H Life Insurance Company is currently the only life insurance company headquartered in Shenyang.The use of funds is mainly fixed-income investment.Compared with the same industry,the investment types are more single.A series of documents that clearly establish the investment management capabilities of insurance institutions,H Life Insurance Company still has problems in the construction of investment management capabilities;compared with domestic companies there are still many shortcomings,which are limited by the diversified investment channels that are gradually liberalized by supervision.H Life Insurance Company still needs to further improve the market risk and credit risk and other risk management issues that it brings.Based on this,this article takes H Life Insurance Company’s fund application business as the research object,explores the problems in the risk management of H Company ’s fund application business,and draws on the theories and methods of risk management in the application of life insurance funds at home and abroad,through risk identification,risk assessment,The risk management process of risk control analyzes the problems in H Life Insurance Company’s capital use business risk management,and proposes improvement measures for H Life Insurance Company’s capital use business risk management.It is hoped that the research can provide a reference for the risk management of life insurance companies’ capital utilization business.