保险公司资产负债匹配管理研究

Research on the Management of Asset-liability Matching of Chinese insurance Companies

资产负债匹配管理是保险公司经营管理之核心环节,运用恰当的资产负债管理策略对其资产和负债做出科学匹配,就能够降低风险、提高盈利和市场竞争力。本文阐述了保险公司资产负债管理理念的演变,分析了中资保险公司资产负债管理的现状与问题、资产负债管理及其匹配管理的重要性与紧迫性,探讨了寿险和非寿险公司资产负债管理的差异、中资保险公司资产负债管理的环境,提出了中资保险公司选择资产负债匹配管理策略的一些建议。

Assets and liabilities management is the core of insurance company management link. Appropriate strategy for the company＇s assets and liabilities management can reduce its risk and increase profits and market competitiveness. This article expounds the evolution of assets and liabilities management idea of an insurance company, analyzes the current situation and problems of Chinese insurance company assets and liabilities management, and its importance and urgency of asset liability management. The differences between life and non--life insurance company assets and liabilities management, assets and liabilities management environment of Chinese insurance companies are discussed. , Some suggestions about the Chinese insurance companies choosing assets and liabilities management strategy are put forward.