通货膨胀对保险业发展的影响探析

主要研究通货膨胀与保险业发展的关系。从历史的角度分析我国通货膨胀与保险业发展变化的规律,梳理通货膨胀及其各相关因素对保险发展的影响机制,并对当前保险定价、准备金、资金运用及相关监管政策进行评析。最后提出保险业应在信息化建设、全面风险管理体系建设和人才队伍建设方面进一步完善,以应对通货膨胀的不利影响,提高经营的稳定性和盈利能力。

The Impacts of Inflation on the Development of the Insurance Industry

The paper mainly studied the relationship between inflation and the development of the insurance industry.It analyzed historically the rule of development of inflation and the insurance industry in China,clarified the influencing mechanism of inflation and various other factors on the insurance industry,and commented on the current situations of insurance pricing,insurance reserves,insurance fund utilization and relevant regulatory policies.In the end,it pointed out that the insurance industry should further enhance its information technology,the comprehensive risk management system and human resources in order to prepare for the negative impacts of inflation and maintain a steady operation and profitability.