《论我国保险资金入市》(国外英语资料).docVIP

《论我国保险资金入市》(国外英语资料) With the central bank cut interest rates for the seven time in a row, Chinas interest rates have dropped to an unprecedented low level. Cut to reduce the interest burden of state-owned enterprises, stimulate consumption, increase social investment, alleviate the contradiction of the current lack of domestic demand, this is what we would like to see; but large declines in interest rates, also caused some negative effects, the most prominent is the Chinas insurance fund investment income declined operating difficulties. Chinas insurance industry is now facing a business crisis, on the one hand due to the downward impact of interest rates, but the main root is the countrys policy support for the insurance industry lags behind. Therefore, if Chinas insurance industry wants further healthy development, the country must change its policy environment for the insurance industry. The author puts forward his own opinion on this issue, so as to attract a lot of attention and arouse the attention of the theorists. The main problem, the use of insurance funds in China in 1, the use of insurance funds channels are too narrow, spreads upside down insurance funds generally refers to the insurance company capital, margin, operating funds, reserve funds, public welfare fund and undistributed earnings, insurance funds and other funds as prescribed by the state. Mature insurance companies rely on insurance and investment of two wheel driven and coordinated development, through insurance financing, investment profit to realize the overall income of the insurance company. Investment is the core business of the insurance industry. Without investment, there is no insurance industry. The primary objective of the insurance industry is the transfer of risk. Premium is the price of risk transfer, but because of market competition, the price is often not enough to pay the cost of transfer, underwriting loss has become a common phenomenon of insurance companies. Therefore, t