化解我国寿险业利差损风险探析  

作　　者：周艾珂[1] 

机构地区：[1]北京大学经济学院,北京100871

出　　处：《保险研究》2007年第11期59-61,共3页Insurance Studies

摘　　要：寿险公司的利差损风险直接影响着寿险公司的稳健经营及长期发展。我国寿险业利差损的形成原因主要是寿险业经营战略不明确、产品结构不合理、资产负债不匹配,其中最主要的原因就是资产负债的不匹配。要想有效地化解利差损风险,就要从资产负债匹配的角度调整优化业务结构,完善投资组合管理,使利差损降低到最小。The negative interest spread risk of life insurance companies influenced the operation and development of insurance industry very much. The main causes of negative interest spread risk are that the business strategy of life insurance companies is not clear and rational, the product structure is not optimal, and the assets and liabilities are not matched. Within these reasons, the poor matching Of assets and liabilities is the most important one. To resolve the negative interest spread risk effectively, we should match assets and liabilities, adapt business structure, improve the investment portfolio management and reduce the negative interest spread risk to the minimum.

关 键 词：寿险利差损 投资组合 风险控制 

分 类 号：F840.62[经济管理—保险]