一、利率市场化的改革和对寿险业的影响 利率市场化改革对中国经济将产生深远的影响，寿险业更是如此。作为经营寿险业法人主体的寿险公司，无论其生存和发展中，面临着种种风险的威胁，如竞争风险、经营风险、通货膨胀风险、汇率风险以及政治、监管风险等。随着利率行政管制的 First, the market-based interest rate reform and the impact on life insurance Interest rate liberalization will have a profound impact on China’s economy, especially in the life insurance industry. As the main body of the life insurance company, the life insurance company faces the threats of various risks such as competition risk, inflation risk, inflation risk, exchange rate risk as well as political and regulatory risk, regardless of its existence and development. With the interest rate administrative control