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The Causes And Countermeasures Of Interest Rate Spread Risk For The State-owed Life Insurance Company

Posted on:2006-11-23Degree:MasterType:Thesis
Country:ChinaCandidate:H LiFull Text:PDF
GTID:2156360152971872Subject:Accounting
Abstract/Summary:PDF Full Text Request
Reform along with the financial system continuously deep to turn,the insurance market further opens, the abroad insurance company with higher management to enter the local marker, the competition of the local life insurance market will be gradually vigorous. Leading into the thought and theories of Interest Rate Spread Risk are an inevitable measure for the state-owed life insurance company to improve the anti-risk ability and enhance the business enterprise core competencies. The thought of Interest Rate Spread Risk management can change principles of management and operation strategy for the life insurance company. Therefore, to decreases the Interest Rate Spread Risk with dissolves, and to increases the level of anti-Interest Rate Spread Risk management do particularly important to the state-owed life insurance company. On the basis of the discussion about the theories of life insurance company risk type. This article firstly analyze the theory of Interest Risk and the measurement. Then aim at the changing of interest rate of the world and our country, leading into the examples of Japanese life insurance company bankruptcy with Interest Rate Spread Risk problem, furthermore, goes deep in to consider to the reasons that causes Interest Rate Spread Risk. In order to solve the exist problems, the article put forward the strategies of against and control Interest Rate Spread Risk, such as Asset and Liability Management, the improvement of product strategy, enhancing investment management and internal Efficiency, improving the statutory environment etc.The article make point of theories investigative, and take use of actuality study at the same time, provide a flood of primitive data and make use of comparison to discuss the causes and strategies of the state-owed life insurance company. In order to control Interest Rate Spread Risk effectively and enhance the core competition, we should take use of the Interest Rate Spread Risk Theories through in usual operate activities. It's the purpose of the article.
Keywords/Search Tags:The Stated Owed Life Insurance Company, Interest Rate Spread, Risk, Theory of Duration, Life Insurance Statutory
PDF Full Text Request
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