Low capital utilization rate. The capital utilization rate of insurance companies is an important indicator of the level of insurance investment. The capital utilization rate of foreign insurance companies is generally above 90%, and the insurance capital utilization rate in Japan is as high as over 95%, while in my country this figure is less than 50%. In recent years, the capital investment central african leads rate of major insurance companies has gradually increased. However, affected by my country's traditional culture and the public's relatively conservative attitude towards risks, compared with foreign countries, the capital utilization rate of insurance companies in my country is still relatively low.
2.
Optimize the structure of investment funds. There are two main reasons for the unreasonable investment structure in my country: First, my country's securities market is still very immature. The stock market is mainly short-term investment and highly speculative. The bond market is mainly government bonds with short maturities, which are difficult to match with the long-term liabilities of insurance companies. The variety and quantity of corporate bonds are small. There is a lack of authoritative bond rating agencies and insufficient supervision. Due to the lack of investment tools, insurance companies do not have enough room for choice and cannot build a well-structured securities investment portfolio, which reduces the efficiency of resource allocation of insurance companies. In addition, excessive fluctuations in the stock market also make insurance companies, which take investment security as their primary goal, face great risks when investing in stocks.