Inputs from the concentration account with approved insurance market caused a huge response, the view that this is the insurance industry, "structural adjustment" policy shift. But several insurance companies say, will continue to promote business restructuring, introduction of short-term investment with no risk. Main line of the same restructuring With insurance companies say the investment linked life insurance accounts for fact as early as last year, has been submitted, it will vote with the future risk of re-sales focus is uncertain as to the capital market under the circumstances. Another Xinhua insurance companies, said China Insurance Regulatory Commission will continue to promote industry-led restructuring in the short term investment with insurance will not launch. Risk investment with the last peak is the end of 2007, when the stimulus in the hot A-share market, the insurance companies pushing close contact with the stock market investment with insurance, to the high returns from the capital market under the slice , and then expand the premium income. Only in October 2007, a total including Ping An Life Insurance, Xinhua Life Insurance and other insurance enterprises, including six with a total investment of 22 successive insurance account approved. But in 2008, turned down the stock market for several insurance companies account for a substantial investment with risk, "shrink" and some companies and regions with investment and surrender risk event, most insurance companies began to shrink or sale of investments with insurance; CIRC decision immediately and carry out business restructuring of the industry, control of investment-type insurance, to develop security-type varieties. For the stock market climb to 3000 points, even when the risk of investment accounts focus on the phenomenon of approval, there is a market view that the regulatory policy change. In this regard, China Insurance Regulatory Commission official said, that does not mean turning to structural adjustment policies, regulatory authorities will continue to push this work to achieve the sustainable development of the insurance industry. Business structure should be "for enterprise-specific" A matter of fact, not all insurance companies are hot pursuit "to vote with risk." China Life Insurance has been regarded as a major insurance dividends, it is never set foot in China Pacific Insurance had voted with insurance business, first established on the rise in premium income of less than four years for the industry, the sixth of the People's Insurance Life Insurance too. Slowdown in the industry where the premium, as of the first half of this year, PICC Life Insurance premium of 28.7 billion yuan, up 75.8%, with basically the same scale of business last year. PICC Life Insurance CEO Liang-Wen to this conclusion, which is the company adhere to business restructuring, according to their actual development of "rapid development of wholesale payment services, payment services and the rapid development of risk-based business, and effectively prevent various types of operational risk" result. He said restructuring of the insurance industry in 2008, has been the "main bonus products, to develop risk-based products and of payment products and actively promote the rural micro-insurance products, high priority short-term accident insurance products" as the company's product development strategies, and even the risk of the investment has to be cautious, from the opening date has not been cast with insurance sales to eliminate a possible investment with products arising from operational risk, the future will have to guard against risks as the company's lifeline. Industry experts suggest that life insurance companies should not blindly chasing hot spots, especially investment insurance products, according to market conditions, investment capacity and its own management structure to develop business strategies.