利率风险对寿险公司投资的影响分析  

Analysis on the Influence of IRR on Investment of Life Insurance Companies

作　　者：潘婕[1] 

机构地区：[1]安徽财经大学,安徽蚌埠233030

出　　处：《山西财政税务专科学校学报》2015年第5期65-67,共3页Journal of Shanxi Finance & Taxation College

摘　　要：寿险业是对利率波动非常敏感的行业之一,随着利率市场化的推进,利率波动风险对寿险公司经营管理的影响越来越大,阻碍寿险业发展的利差损问题也越来越突出。而随着整个金融市场不断发展和日益成熟,寿险公司所面临的风险也越来越多,因利率波动所引发的风险也充分显露出来。因此,寿险公司不断完善的利率风险管理体系,对提高公司的投资收益具有重要作用。本文在分析我国寿险业投资市场环境的基础上,提出了寿险公司在投资市场上所面临的利率风险并分析了这些风险是如何对保险投资形成冲击的,并佐以实例分析,进而提出了缓解利率风险对寿险公司保险投资的冲击的措施。Life Insurance Industry is obviously sensitive to interest rate fluctuation. With the development of marketization of interest rate,the risk of interest rate fluctuation has a greater and greater influence on the operation and management of life insurance corporation,and makes the loss of interest difference more and more serious,which would hinder the development of life insurance industry. In face of the increasingly developing and mature financial market,life insurance companies are meeting with more and more risks,among which the risk triggered by the interest rate fluctuation has also been completely revealed. Therefore,constant improvement of the management system of interest rate risk in life insurance companies would plays an important role in increasing companies＇ investment income. The paper,on the basis of the analysis of investment market environment of life insurance industry in China,points out the interest rate risks Chinese life insurance corporations are facing and how those risks have impacts on insurance investment with case analysis,and then comes forward measures to cushion the blow of interest rate interests.

关 键 词：寿险投资 利率风险 风险控制 

分 类 号：F830.593[经济管理—金融学]