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中国保险监督管理委员会副主席吴小平表示,投资连结保险是寿险产品的创新,它带给我国寿险业乃至于整个金融业的影响绝不仅仅是观念上的。投资连结保险从根本上解决了我国寿险业资产与负债不匹配的问题。吴小平说寿险资产与负债的不匹配是造成寿险业利差损的根本原因,对于寿险业来说,缺乏长期投资工具、利率市场剧烈波动是无法改变的宏观环境。投资连结保险为我国寿险业提供了一件有效的
Wu Xiaoping, vice chairman of the China Insurance Regulatory Commission, said that investment-linked insurance is an innovation in life insurance products. The impact it brings on China’s life insurance industry and even the entire financial industry is not merely conceptual. Investment-linked insurance fundamentally solve the problem of asset-liability mismatch in China’s life insurance industry. Wu Xiaoping said that the mismatch between life insurance assets and liabilities is the root cause of the loss in the life insurance industry. For the life insurance industry, the lack of long-term investment tools and the volatility in the interest rate market are unavoidable macroeconomic conditions. Investment-linked insurance provides an effective life insurance industry in our country