| 从资产负债管理看日本寿险业的利差损问题及对我国的启示 |
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| 引用本文： | 赵家敏,苏莉.从资产负债管理看日本寿险业的利差损问题及对我国的启示[J].现代日本经济,2004(2):28-32. |
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| 作者姓名： | 赵家敏 苏莉 |
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| 作者单位： | 暨南大学金融系,广东,广州,510632 |
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| 摘 要： | 日本寿险公司倒闭事件给世界寿险业带来冲击，也引发了我们的深层思考。日本寿险公司倒闭的主要原因在于利差损，利差损产生的根源归根结底是由寿险公司的资产负债不匹配引起的。我国寿险公司应在经营过程中强化资产负债管理，以防范风险。
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| 关 键 词： | 资产负债管理 日本 寿险业 利差损 原因分析 风险防范 中国 保险公司 |
| 文章编号： | 1000-355X(2004)02-0028-05 |
| 修稿时间： | 2003年10月31 |
The Spread Loss Issue of the Japanese Life Insurance Industry Viewed from the Angle of Asset Liability Ratio Management and What We Can Learn from It |
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| ZHAO Jia-min,SU Li.The Spread Loss Issue of the Japanese Life Insurance Industry Viewed from the Angle of Asset Liability Ratio Management and What We Can Learn from It[J].Contemporary Economy OF Japan,2004(2):28-32. |
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| Authors: | ZHAO Jia-min SU Li |
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| Abstract: | The liquidation incidents of the Japanese life insurance companies have shocked the world life insurance industry and led to profound reflection on our part. The major cause of the bankruptcy of the Japanese life insurance companies lies in the spread loss which is rooted in the mismatch of assets and liabilities. The life insurance companies of China should, in the process of management and operation, strengthen their asset-liability management, so that serious risks could be prevented. |
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| Keywords: | spread loss interest rate risk asset liability management |
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