寿险公司对利率风险的度量以及防范

近年来,由于金融危机的影响,国家实施宏观政策对利率进行调整来稳定我国的经济,并且促进我国经济平稳的发展。因而,利率是保险公司不可控制的外部变量。而利率风险又是对寿险公司发展有重大影响的因素之一,本文通过对利率风险的度量和研究来规避利率风险,并且进一步的对利率风险采取防范措施对寿险公司的发展具有重要作用。

Because of the impact of financial crisis in recent years, the state took macroeconomic policies to adjust the interest rate to keep the economy of our country stable, and promote the stable development of the economy of our country. Therefore, the interest rate is an external variable which can not be controlled by the insurance company. And the risk of interest rate is one of the factors which greatly influences the development of the insurance company. This article introduces the measurement and researches of the interest rate risk to avoid the interest rate risk, and it also futter puts forward that taking measures to avoid the risk of the interest rate has an important role of the development of the company.