Difficulties in introducing insurance funds into cities. The continuous introduction of new insurance policies has brought about the continuous expansion of application fields. Since the State Council issued the Opinions on the Reform and Development of the Insurance Industry in 2006, the national policy has continuously encouraged to broaden the channels and scope of the use of insurance funds and deepen the use of insurance funds. 20 10 The Interim Measures for the Administration of the Use of Insurance Funds issued by the China Insurance Regulatory Commission in August and a number of new policies promulgated and implemented successively since then allow and regulate insurance funds to invest in unlisted company equity, real estate, financial derivatives, stock index futures and GEM stocks.

First, the difficulty of introducing insurance funds into cities.

The State Council's Opinions on Accelerating the Development of Modern Insurance Service Industry (the "Ten Articles of New China" in the insurance industry) issued in August 2065438+2004 further requires giving full play to the long-term investment advantages of insurance funds, innovating the use of funds and improving the efficiency of fund allocation; Clear and encourage insurance funds to support people's livelihood projects and major national projects in various ways, and provide financial support for the development of science and technology enterprises, small and micro enterprises and strategic emerging industries under the premise of reasonable risk control.

Second, insurance funds.

The application scale has grown steadily, showing the trend of diversification of investment. Under the background of the gradual relaxation of insurance fund utilization policy, the scale of insurance fund utilization has developed rapidly, and the investment model has also changed from relying on traditional deposits and bonds to diversified investment, which directly brings rapid development to insurance fund utilization. According to statistics, the balance of insurance funds in China increased from 6.85 trillion yuan in 2065,438+02 to 65,438+0.2 trillion yuan in 2065,438+05, an increase of 63.5%, and the rate of return on insurance investment increased from 3.39% to 7.56%.

To sum up, with the liberalization of insurance fund policy and diversification of investment, the scale of insurance fund utilization will be further expanded. According to the official calculation of the China Insurance Regulatory Commission, by 2020, the available scale of insurance funds is expected to exceed 20 trillion yuan, and the investment of insurance funds will present a more diversified development pattern.