保险资金运用法律规制

【Abstract】wWw.shuoshilunwen.com The insurance industry can be said that the origin is earlier but the industry requires constantly innovation. The insurance industry has a long history. The development of the insurance industry has in foreign countries has already been very relatively mature before it goes into the China market. As an innovative industry, the demand for the insurance industry is growing constantly. The insurance fund application is a kind of manifestation for innovation in contemporary china. The insurance industry will he a true development by improving the insurance industry application.With the high-speed development of china economy, the insurance industry of our country is constantly growing, and the scale of insurance company is also constantly expanding. The expansion of scale doesn’t bring about the enhancement of benefits. On the contrary, some insurance companies he a deficit in the management, which affects the whole competitive power of insurance industry in international market. By analyzing the insurance system of developed countries, we can find that the appliance system of the insurance fund still has some issues. The business activity of the insurance industry is fairly related to the policy of the state macro control. There are mainly two kinds of ways in insurance benefits for the insurance company. They are the profits of the underwriting business and the profits of the insurance fund application. The underwriting business is not a main aspect in the total profits, while the profit of the insurance fund application is becoming a main aspect in total profits. In the Western capitalist countries, the system of the insurance fund application is very mature. The yield rate of the insurance fund application is also relatively very high and the yield ratio of the insurance fund application is very reasonable. The appliance system of the insurance fund is not very mature and the development space of the appliance system of the insurance fund is still very extensive. Compared to other developed countries, the regulation of the appliance system of the insurance fund is very imperfect in our country. This is why the economic growth of insurance industry is very slow in our country. Although we’ve already made some progress, on the whole, the problem is still very serious. At present, we should carefully think about how to draw lessons from other west countries and how to make efforts to oid going into the wrong region, which is also the key and hardy questions in the appliance of the insurance fund. Our scholars should carefully face these difficulties to take a breakthrough.At present, the research of the legal regulation of insurance fund application has been focused on the specific legal implementation of the insurance fund application. But the research of the legal building of insurance fund application is very little. I think that it should be a major flaw for the research of insurance fund application. The theory of the insurance fund application should be paid more attention than the practice.The purpose to choose the subject is that I want to compare the Chinese-foreign legal system of the appliance of insurance fund, and want to offer some enlightenment for the legal system of insurance fund application in a legal method. I find a defect by comparing the Chinese-foreign regulative content of the insurance fund application, which is an innovation point in the paper.The article includes four parts. The first part mainly introduces the legal regulation and the appliance of insurance fund, which includes the resource of insurance fund, the meanings of the appliance of insurance fund, the principle and the theoretical basis. I descript the relevant content of the legal regulation of insurance fund application and provide a theoretical platform for the insurance fund application, which improves the persuasiveness of the article. The second part mainly talks about the Chinese-foreign current conditions of the legal regulation of insurance fund application. I summarize some actual achievements in this area by analyze the development process of the insurance fund application and the actual conditions. At the same time, we should see the problems and defects of the legal regulation of insurance fund application. These defects mainly reflect in the scope of use of insurance funds, the use restriction of funds, and the solvency regulation, and so on. I analyze the reasons of the problems and defects and point out the seriousness of these issues. The third part mainly refers to the range of insurance fund application, the supervision of the rate of insurance fund application, and the supervision of the insurance capacity. At the same time, it also contains the investment and benefit of the insurance fund and legal regulation of insurance fund application. In this part, I also make a contrast between china and the west countries in insurance fund application aspect. By the contrast, it plays an important role in subsequent later remarks. The fourth part is the most important part in the article. By the previous theoretical analysis and practical contrast, I naturally point out the actual choice of insurance fund application. First, we should broaden the channels of the insurance fund application. Second, we should perfect the supervision legislation of the rate of insurance fund application. Third, we should enhance the paying ability of the insurance fund application. Fourth, we should improve the earnings rate of insurance fund application by raising the running model. Fifth, we should prefect the related legislation of the application of insurance fund. I just hope that I can offer some suggestions to improve the legislation of the application of insurance fund.