Insurance Investment-About Insurance Investment
Insurance Investment meansInsurance CompanyOrganizationEconomic compensationProcess, the accumulation of a variety of insuranceFundsTo be used, capital value-added activities. Insurance companies may use the insurance money is from the capital, the accumulation of reserves and other capital component. The use of a large number of temporarily idle reserve funds of insurance an important part of the movement. In recent years, China's insurance industry sustained and rapid development, but the rapid growth in premium income and insurance funds to use the conflict between the low rates of return remain. Compared with foreign insurance funds, China's insurance industry, there is money that is spent narrow channel, matching the weak structure and poor gap. The use of insurance funds to improve the level of our response: focus on the main line of deepening economic and financial system, increase penetration of insurance funds industry, and social influence; fit the insurance industry, the trend of increasing openness, greater use of insurance funds for exploration and research; optimization the insurance portfolio, weakening macro-economic cycle fluctuations, the use of insurance funds to establish an early warning mechanism to guard against systemic risk.
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Insurance Investment - Forms
Insurance InvestmentInsurance investment of insurance capital in the form of the insurance companies which invested in specific projects. A reasonable form of investment, on the one hand can maintain financial stability and insurance companies paid the reliability, timeliness; the other hand, to avoid over-concentration of capital and thus affect the industrial structure is reasonable. In general, the insurance funds to be invested in:
1) PI There are two kinds of securities: 1) bond. IncludingGovernment bonds,BondAndBondsAnd so on. Generally speaking, less risky to invest in bonds, especially government bonds.InvestmentsBonds, with special attention to the company's credit and earnings reliability.
2) shares. Investing in stocks is risky, if the business properly, efficiency is not good, is expected to reduce interest rates, as well as other factors that affect the stock market weak, the stock will decline in value. Of insurance enterprises to invest in foreign stocks have a variety of constraints, such as the Japanese government stipulated in the insurance industry in France to buy shares shall not exceed 30% of total assets. 2, mortgage loans Mortgage loan is also more stable long term business, especially for long-term use of life insurance funds. Countries in the world of residential property insurance companies to implement a long-term mortgage loans, most using amortization, the principal way of decreasing, revenue better.
3) life insurance policy loan Life insurance policy has a cash value.Insurance contractProvidesPolicyholdersMortgage insurance can I apply for loans to insurance companies, subject to the burden of interest on such loans is the nature of insurance investment. Policy loan amount limited to the value of the policy at that time, lenders do not have outstanding loans, insurance policies will fail, insurance companies pay no premiums. In fact, such loans do not serve as what the insurance risk. In the life insuranceDeveloped, This business is widespread.
4) Real Estate Investment Real Estate Investment refers to the insurance funds for the purchase ofLand,HousingAnd other real estate. Realization of the investment is poor, it should be limited to within a certain percentage. Japan's insurance companies to purchase real estate, the provisions shall not exceed 10% of its total assets.
5) the supporting services for the insurance business investment Example, to provide repair services for insurance car auto repair shop; Accident Compensation services for the insurance adjuster or survey companies. These companies and insurance business related to insurance funds to invest in these enterprises is conducive to the development of the insurance industry.
