寿险企业利率风险及对策研究

Interest Rate Risk and Countermeasures of Life Insurance Enterprises

近年来,伴随着我国市场化经济的不断进步及银行利率的不断调整,利率风险逐渐成为寿险企业经营管理中面临的主要风险之一.为在激烈的市场竞争中站稳脚跟,寿险企业应格外关注利率风险,积极探寻风险成因,并加强对利率风险的防范控制.基于此,本文首先介绍了利率变动对寿险企业经营的影响,并分析了企业利率风险管理存在的问题,然后在此基础上,给寿险企业防范和应对利率风险提出对策建议.

In recent years,with the continuous progress of China's market economy and the continuous adjustment of bank interest rates,interest rate risk has gradually become one of the main risks faced by life insurance enterprises in operation and management.In order to gain a foothold in the fierce market competition,life insurance enterprises should pay special attention to interest rate risk,actively explore the causes of risk,and strengthen the prevention and control of interest rate risk.Based on this,this article introduces the impact of interest rate changes on the operation of life insurance enterprises,analyzes the problems in enterprise risk management,and then puts forward countermeasures and suggestions for the enterprises to prevent and respond to interest rate risks.