Risk Management of Insurance Fund Use in the Large Asset Management Era

摘要

With the deepening of Chinese economic reform, the liberalization of national policy in the asset management industry breaks the competition barriers in securities, futures, securities investment fund management companies, banks, insurance and trust companies, and makes the asset management industry enter the large asset management era with further competition, innovation and mixed management. In the new era, how to improve the risk management of fund utilization is a major difficulty confronted by the insurance industry. This paper tracks the development of the insurance industry, discovers existing problems of fund utilization in the insurance industry, grasp the basic principle of fund utilization in the insurance companies and general rules of risk control, combines with the characteristics of large asset management era, and gives certain improvement opinions on the risk control of insurance fund utilization in the large asset management era. In recent years, the Chinese government has launched various policies, relaxes the regulation of the asset management industry, breaks the competition barriers of securities, futures, securities investment fund management companies, banks, insurance and trust companies in reducing related restrictions, and makes the asset management industry enter the large asset management era with further competition, innovation and mixed management. The era brings an unprecedented opportunity for the insurance funds utilization as well as many risks. In this era, the risk control of insurance fund utilization is of great significance to the insurance companies.