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十八届三中全会以来,我国利率市场化已经取得了突破性进展,尽管一定程度上促进了经济的发展。但是由于寿险公司自身的特点,利率的市场化却给保险公司带来了巨大的挑战。本文先回顾了我国利率市场化的进程,然后分析利率风险与寿险公司的密切联系,并对寿险公司面临的挑战提出些对策。
Since the Third Plenary Session of the 18th CPC Central Committee, the marketization of interest rates in our country has made a breakthrough, although it has promoted the economic development to a certain extent. However, due to the characteristics of life insurance companies, the marketization of interest rates has brought huge challenges to insurance companies. This article first reviews the process of marketization of interest rates in China, then analyzes the close relationship between interest rate risk and life insurance companies, and puts forward some countermeasures to the challenges facing life insurance companies.