寿险公司外汇业务未能像人们预期的那样快速发展起来，究其原因，保险外汇资金运用方式单一、低收益率、外汇管理政策限制以及保险公司自身内控机制不成熟等因素制约了寿险公司的发展与创新。监管者应思考适当放宽境内居民境外需求的管理口径，及时跟进保险资金境外运用的配套政策以及规范风险监控等问题，经营者应加强风险管控和加大产品创新的力度，以差异化产品取得竞争优势。 The life insurance company’s foreign exchange business failed to develop as rapidly as expected. The reasons for this include the single use of insurance foreign exchange funds, the low rate of return, the restrictions on foreign exchange administration and the immature internal control mechanism of insurance companies, which restrict the development of life insurance companies And innovation. Regulators should consider appropriate management measures to relax the demand of domestic residents outside the territory, timely follow-up insurance funds used abroad supporting policies and standardize risk control and other issues, managers should strengthen risk control and increase product innovation to differentiate products Competitive Advantage.