The article discussed the investment account about the property distributes construction, income, short date investment etc. , analyzed the problem about the investment account funds operating, and then found out the ways to solve the problem as following: to increase the investing outlet, such as investing the financial bond, business enterprise bond, stock market and pawn loan etc.
The thesis investigates the insurance company’s risk of the investment guarantees, and develops the rate model of the investment account. This method can estimate the investment rate in the future more precisely.
A part of the premium that customers hand over is used to purchase the insurance guarantees, the another part is used to purchase the investment unit of the independent investment accounts that are established by the company. Experts of the insurance company operate the investment accounts, the customers posses all the investment income and at same time undertake all the investment risk.