First, restrictions on the use of funds. Article 6 of the Measures for the Administration of the Use of Insurance Funds stipulates that "the use of insurance funds is limited to the following forms: (1) bank deposits; (2) buying and selling bonds, stocks, shares of securities investment funds and other securities. (3) investing in real estate; (4) investing in equity; (five) other forms of use of funds as prescribed by the State Council. Insurance funds engaged in overseas investment shall comply with the relevant provisions of the China Insurance Regulatory Commission, the People's Bank of China and the State Administration of Foreign Exchange. "
Second, the investable assets of portfolio products are strictly restricted. Article 4 of the Detailed Rules for the Implementation of Portfolio Insurance Asset Management Products stipulates that "Portfolio products can invest in the following assets: (1) bank deposits, large deposit certificates and interbank deposit certificates; (2) standardized creditor's rights assets such as bonds; (3) Stocks listed or traded; (4) Public offering of securities investment funds. (5) Insurance asset management products; (6) Asset-backed plans and private insurance funds; (7) Other assets recognized by China Banking Regulatory Commission. The portfolio products invested by insurance funds shall comply with the relevant provisions on the use of insurance funds. The investment scope of portfolio products invested by non-insurance funds shall be stipulated in the contract and conform to the relevant provisions of the Product Measures. The participation of portfolio products in derivatives trading is limited to hedging or risk avoidance and may not be used for speculative purposes. "
The third is to implement net worth management. Article 6 of the Detailed Rules for the Implementation of Portfolio Insurance Asset Management Products stipulates that "an insurance asset management institution shall implement net value management on portfolio products. The valuation of financial assets and the generation of net product value shall conform to the accounting standards for enterprises, Guiding Opinions and other relevant provisions. Under the premise of strict supervision, market portfolio products are temporarily valued by the method of "amortized cost+shadow pricing". After the implementation of the cash management wealth management product rules, the valuation method and investment management of currency market portfolio products are implemented with reference to the requirements of similar products. "
The fourth is the product registration system. The insurance asset management institution shall, two working days before the establishment of the combined product, register the product on the asset registration trading platform (hereinafter referred to as the registration trading platform) recognized by China Banking Regulatory Commission, such as China Insurance Asset Registration Trading System Co., Ltd., and obtain the registration code. The registered trading platform only reviews the integrity and compliance of registered materials, and does not make substantive judgments on the investment value and risks of products.
Investment insurance is a branch of life insurance, which belongs to innovative life insurance. It was originally designed by western countries to prevent economic fluctuations or inflation from causing losses to long-term life insurance, and later evolved into a financial investment tool for customers and insurance companies to take risks and enjoy benefits. Divided into three categories: dividend insurance, universal life insurance and investment-linked insurance. Among them, dividend insurance has conservative investment strategy, the lowest income and the lowest risk compared with other investment insurance; Universal life insurance has guaranteed income, and the investment strategy of insurance companies is medium and long-term growth. The main investment tools are government bonds, corporate bonds, large bank deposits and securities investment funds, which have flexible access and considerable returns. The main investment tools of investment-linked insurance are the same as universal insurance, but the investment strategy is more radical and there is no guarantee of income, so the risk is great but the potential value-added is also the greatest.
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