我国寿险行业利差风险分析

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1、deposit．Andthiskindofriskthreatsdirectlytheprofitabilityandsolvencyoflifeinsurancefirms．Thisdissertationincludesfiveehaoters．InChapter1．theauthordefinestheconnotationoflifeinsuranceinduslry,analyzesthecharacteristicofthisindustrycomparedtonon-lifeinsuranc

2、eindustry．Theprofitoflifeinsuranceindustryisconsistedofinterestrategap，expenseratiogapanddeathrategap．Based011．thesenotions．theauthorusesac,asetoanalyzethethreesourcesofprotit’whielamakestheanalysismol'eperceptiveandeasiertounderstandandindicatestheirimpo

3、rtanteffects0111profit．Inchapter2，theauthorconcernsondomesticlifeinsuranceindustry．Firstly,analysisofrelateddatareflectstherapidgrowthofinsurancepremiumandamountoftheinsur趾eecompanies，whilemilTOI'Spotentialproblemsespeciallynegativeinterestrategapriskhidi

4、ngundertheprosperity．Secondly,theauthoranalyzesthecurrentsituatioaofthisgap，andsetsasimplecaseapplyinglifeaetmtytheory．11“scasedemonstratestheformationmechanismofnegativeinterestrategap．Thirdly,theauthorilluslratesthecallSeSofthenegativegapfromlaistorieal

5、，intemalmanagement,investmentasset-liabilitymanagementandhumanllesourcemanagementaspe,df．s．Inchapter3，theltllthOi'reviewsthehistoryofJapanlifeinsurance．andthenprimarilyexplainsthec黜seofcontinuousbankruptcyoftheirlifeinsurancecompanies，andsuggestsWeshouldl

6、earnfromtheirreactiOlllSandsubsequentapproachestosolvetheirproblems．Inchapter4，theauthorsummarizesdestrtletiveeffectsoftheriskofnegativeinterestrategap．andalsopointsoutweshouldlearnformtheirprecioustexpcriences．n圮colltentsinchapter5aretheCOleofthewholedis

7、sertation．Theauthorputsforwardtothestrategiesofreducingtheriskofnegativeinterestrategap．11地authorbelievesthesestrategiesshoulddealwiththehighinterest懈guaranteesalreadyexisting,avoidthiskindofriskinIleWpolicies．aswellaStrybesttOreducenegativeinterestratega

8、pinthecxistingpoliciesthroughcoveringnewpolicies．Inthissector,thellllthOl"establishesamodeltoanalyzethetrendofelasticityofreservcfundratesandinterestnItesinchinalifeinsuranceindustry．Fromtheanalysisabove，theauthorco