(1) deposit. Deposits are divided into bank deposits and trust deposits. Insurance companies generally should not keep too many bank deposits.
(2) Securities investment. Securities investment is the activity of buying and selling securities in order to obtain expected returns. Because negotiable securities can be used for discount, mortgage or circulation in the secondary market, they have higher returns, which are characterized by integrating liquidity, security and profitability. Therefore, securities investment is an ideal investment method.
(3) loans. Loan is an investment activity in which an insurer lends insurance funds to a unit or individual to recover the principal and obtain interest on schedule. The yield of loans is higher than that of deposits, but the risks are relatively high.
(4) Real estate investment. Real estate investment is an investment that uses insurance funds to purchase land, real estate or other buildings. With the characteristics of poor liquidity, strong speculation and high risk, it is generally not suitable as the main object of insurance investment except for a small part of the assets of life insurance companies.
Securities, loans, real estate and deposits constitute four basic forms of insurance investment in modern developed countries. Generally speaking, in the investment structure, insurance investment is mainly securities investment.
(1) According to China's Insurance Law, the use of funds by insurance companies is limited to: bank deposits, buying and selling government bonds, buying and selling financial bonds, and other forms of fund use stipulated by the State Council.
(2) Article 18 of China's Regulations on the Administration of Insurance Companies stipulates: "The use of insurance funds is limited to: bank deposits; Buying and selling government bonds; Buying and selling financial bonds; Buying and selling central enterprise bonds designated by the China Insurance Regulatory Commission; Other ways of using funds stipulated by the State Council ".
(3) 1999 the State Council allows insurance funds to enter the securities market indirectly through securities investment funds.
(4) On June 5438+ 10, 2004, the China Insurance Regulatory Commission and the China Securities Regulatory Commission jointly issued the Interim Measures for the Administration of Stock Investment of Insurance Institutional Investors, allowing insurance funds to directly enter the stock market, further broadening the insurance investment channels.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.