Research On Theory Of Rate Spread Risk Management Of Life Insurance Company

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 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 life insurance company.This article precedes form the expression of interest rate risk of the life insurance company. Firstly it analyze the effect of interest rate risk to life insurance company debt, assets, assets and influence that debt match, and in the market-based process of present interest rate, in addition, this article explains the necessity and pressure the life insurance company facing to enhance the management of interest rate. Secondly this text uses plenty of words to explain why company's interest rate risk of the life insurance produces and relevant influence factors emphatically, the production of the interest rate risk and correlated with subjective and objective factors. Have found from the forming reason for analyzing in depth to the interest rate risk, the reasons of interest rate risk in life insurance company not only results in outer economic development, supervisory system, trade competition, etc. but also in the management theory , sense of risk , managerial skill, means factor related with company too.It is effective means to raise of our country life insurance company risk management level and to strengthen solvency rapidly which to draw the foreign and advanced risk tolerance of interest rate and management theory, combining actual conditions of development of life insurance industry of China. This article detailed comparatively ripe interest rate risk measure theory at present, have offered the theoretical foundation for constructing the interest rate spread risk and taking precautions against countermeasure and frame. According to preceding analysis finally, the article put forward the strategies of against and control Interest RateSpread Risk under the background of fact that the interest rate is market-based, thus fully catching all opportunities and advantages to improve external environment condition and norm one's own behaviorThe article make point of theories investigative, and take use of actuality study at the same time, provide a flood of primitive data and analysis of the influence to the life insurance company because of the interest rate spread. The theory should make service for the practice. It is duty of Life Insurance Company and supervisor that how to make use of the Interest Rate Spread Risk Theories in practice, to control the interest rate spread risk effectively and enhance the solvency and the core competition of the life insurance company. It's also the purpose of the article.