摘要
利率和汇率两种重要政策工具通过影响国民经济增长速度对保险需求产生影响,并通过作用于保单预定利率及投资收益率直接影响着保险企业经营状况及资本充足率。其中,利率的不利变动对保险企业的影响更大,甚至可能危机企业的生存,中国寿险业严重的利差损负担即源于保单预定利率的降低;因地域及目的的不同,汇率对保险企业的影响比较复杂,企业可主动采取的风险防范措施较多。保险企业应加强人才引进和培养,强化对利率、汇率变动趋势的研究,防患于未然;并积极开拓投资渠道,创新风险管理方法,做好资产负债匹配。
As two kinds of important policy instrument, interest rate and exchange rate influence the insurance demand by working on the growth rate of GDP, and affect directly the operation status and capital adequacy of insurance enterprises by acting on the assumed interest rate and ROI. Hereinto, any disadvantage change of interest rate can be a big influence on insurance enterprises and even result in a subsistence crisis. For instance, the heavy interest loss burden is caused by reduce of assumed interest rate. Exchange rate gives a complicated influence on insurance enterprises because of the difference of their locations and purposes. Therefore, insurance enterprises have big room to adopt initiative risk prevention measures. Insurance enterprises should strengthen the introduction and training of talents, enhance the re- search and analysis of interest rate and exchange rate fluctuation trends, actively broaden the investment channels, reinforce risks management methods innovation, and implement asset liability matching management.
出处
《中央财经大学学报》
CSSCI
北大核心
2006年第5期47-51,85,共6页
Journal of Central University of Finance & Economics
关键词
利率
汇率
利差损
掉期
Interest rate
Exchange rate
Interest loss
Swap
