The insurance companies in China are lack of the risk management methods and the supervisor has simple ways to supervise it. The insurance companies only have simple capital structure and their financing ability is very poor. 我国保险业起步晚,风险管理水平落后,监管手段单一,一方面保险资本结构单一,资本充足率并未得到充分重视,保险公司筹资能力得不到体现;