WTO与中国寿险业的利率风险

WTO and the Interest Rate Risk of China's Life Insurance Industry

从各项指标来看 ,中国的保险市场蕴藏着巨大的商机。按照世界贸易组织的规定 ,中国一旦全面开放保险市场 ,国内保险业将面临前所未有的竞争局面。如何保持国内保险业在竞争中立于不败之地 ,当务之急是要解决困扰保险业健康发展的问题。现实和潜在的最大问题之一表现为保险业较高的利率风险和较低的风险分散、风险转移的能力。

Every index shows an enormous business opportunity for the life insurance market of China. As WTO rules require China to open its insurance market completely, the domestic insurance industry is going to face unprecedented competitions. In order to maintain an invulnerable position, China's domestic insurance industry has the immediate concern of solving some problems which have been stopping the healthy growth of the industry. One of the major problems now and in the future is the high interest rate risk and low ability to diversify and transfer risks. Besides, the paper puts forward a medium term and long term strategy of developing domestic insurance industry.