我国寿险公司的利率风险及防范

The Interest Risk of Life Insurance Company and the Precautions

由于法律不健全、制度不完善、监管体制弱化等原因, 我国人寿保险产品基本是利率敏感型的产品, 这使得产品极易受国家宏观经济环境的影响, 致使寿险公司形成了利率风险。具体来说, 防范与化解利率风险的途径是, 加快寿险产品转型步伐; 加强资产负债匹配管理;建立自动调节机制; 设立专项准备金。

Because the law is imperfect, the system is not perfected, the regulatory system is weakened, our country's life insurance products are basically interest rate-sensitive products. It makes products extremely easy to be influenced by country's macroeconomic environment, causing interest rate risk to the life insurance company. Concretely, ways to take precautions against and dissolve interest rate risk are: speeding the paces that accelerate life insurance products transition; Strengthening the asset-liabilities match management; Setting up automatic regulation mechanism; Setting up the appropriative reserve.