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ID:32013806
大小:1.70 MB
页数:56页
时间:2019-01-30
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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
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