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Study on A Non-standard Business Model and Robust Risk Management Strategy of Insurance Fund Investments in China

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DOI: 10.23977/ferm.2023.060919 | Downloads: 24 | Views: 393

Author(s)

Tan Yonglin 1,2, Duan Yongpan 2

Affiliation(s)

1 Ancheng Property & Casualty Insurance Co., LTD, Chongqing, 714001, China
2 School of Economics and Management, Guangxi University of Science and Technology, Liuzhou, Guangxi, 545006, China

Corresponding Author

Tan Yonglin

ABSTRACT

The proportion of alternative investment assets within China's insurance portfolios has steadily grown, driven by regulatory policies and demand from market participants. These investments have evolved into vital assets for insurance funds and hold significant importance in supporting China's real economy. This paper delves into the current landscape of alternative investments in Chinese insurance funds, conducting an in-depth study of their investment practices, particularly their growing emphasis on alternative assets. We also scrutinize the factors contributing to the heightened reliance on non-standardized debt investments within the asset allocation structure of these insurers, as well as the associated risk challenges. Our research seeks to uncover the distinct characteristics of Chinese insurance companies' current alternative asset allocation structures and the risks inherent in these portfolios. We further explore risk management strategies for alternative investments and non-standard business models Chinese insurance companies adopt.

KEYWORDS

Alternative Investment, Non-Standard Business Model, Insurance Funds, Risk Management

CITE THIS PAPER

Tan Yonglin, Duan Yongpan, Study on A Non-standard Business Model and Robust Risk Management Strategy of Insurance Fund Investments in China. Financial Engineering and Risk Management (2023) Vol. 6: 141-149. DOI: http://dx.doi.org/10.23977/ferm.2023.060919.

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