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保险业须从资产方和负债方全面扩展,以保险产品为核心,将资产负债管理的核心技术化为产品开发的能力,推动保险公司商业模式的再造与创新资产负债管理是保险公司平衡资产负债关系、全面设定经营目标与管理策略的首要考虑和核心工具。当前中国保险行业正从新世纪以来的高速增长态势转入不乏痛苦与迷茫的低增长和转型时期,保费增长下滑、保险公司利润负增长、行业偿付能力下降、投资收益不足等种种困难和挑战正困扰业内大多数的经营者。在此背景下,从战略的角度重新审视保险公司资产负债管理的各个方面,重新确立资产负债管理的新方略和新框架,以变革、创新的新举措来开创行业发展的新局面。
The insurance industry should be fully expanded from the assets side and the liabilities side, with the insurance products as the core, the core technology of assets and liabilities management should be transformed into the ability of product development to promote the reengineering and innovation of the insurance company’s business model. Assets and liabilities management: Insurers balance assets and liabilities Relationship, set the overall business goals and management strategies of the primary consideration and core tools. At present, China’s insurance industry is turning itself into a period of low growth and transformation with painful and confused reasons. The difficulties and challenges such as the decline in premium growth, the negative growth in the profits of insurance companies, the declining solvency in the industry, and the insufficient investment returns are troubling the industry Most operators. Against this background, we review all aspects of asset liability management of insurance companies from a strategic point of view, re-establish a new strategy and framework for asset liability management, and create a new situation in the industry with new measures of change and innovation.