我国寿险公司在低利率背景下经营现状及发展对策研究  

Research on Current Situation and Developing Strategy of China's Life Insurance Companies in Low Interest Rates

作　　者：郭雯钰 欧阳玉秀[1] Guo Wenyu;Ouyang Yuxiu(Jiangsu University,Zhenjiang Jiangsu 212001)

机构地区：[1]江苏大学,江苏镇江212001

出　　处：《对外经贸》2020年第6期119-122,共4页FOREIGN ECONOMIC RELATIONS & TRADE

基　　金：江苏大学2019年度大学生科研立项项目(项目编号:18C121)。

摘　　要：随着全球经济增速的进一步放缓,市场利率波动逐渐放大,加之“新冠肺炎疫情”期间,多种因素的共同作用下,给我国的经济发展带来了巨大的挑战。寿险业作为金融行业的一个重要的分支,面临低利率水平将稳定保持一段时期,资产收益下行,寿险产品收紧监管政策出台的环境变化。负债端面对保费收入增幅放缓、产品结构转型、团队增员放缓;资产端面临投资规模加大、非标接近饱和、实施IFRS9会计准则等挑战。提出促进寿险公司发展的建议:经营转型回归,重视保障推进质量增长;负债端充分利用红利政策,资产端在挑战中抓机遇;吸引绩优高学历人才,利用金融科技助力发展。With the further slowdown of global economic growth,the market interest rate volatility gradually enlarges,coupled and other factors,which brings great challenges to China's economic development.As an important branch of the financial industry,the life insurance industry in China has gradually stepped into the investment environment of low interest rate,which is an important factor for China's life insurance companies The development of our company has brought a severe test.How can life insurance companies find a breakthrough in the low interest rate investment environment?This paper will analyze the current situation of life insurance companies in the current low interest environment,and put forward suggestions for the future investment and development of life insurance companies.

关 键 词：寿险公司 利率 经营现状 

分 类 号：G4[文化科学—教育学]