Along with the maturation of international financial market , the financing function of insurance is outstanding , investment income balance the loss of premium income . the chines insurance companies are facing a great pressure after the people ' s bank of china has reduced interest rate 8 times , it is urgent to enlarge investment channel and link up insurance market with capital market 随着国际金融市场日趋成熟，世界保险业的融资功能突显，投资收益成为保险公司弥补承保亏损的有效手段，而人行的8次降息使保险公司面临着巨大的压力，拓宽保险投资渠道、促进保险市场与资本市场对接成为当务之急。
