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财产保险公司资产负债具有资金来源广泛性、资金性质的负债性、债务的短期性及资产流动性高的特点;财产保险公司通过资产负债管理,可以起到保护投保人利益、适应监管要求、降低财务风险、提高盈利能力等作用;目前我国各财产保险公司应选择负债为主导的资产负债管理模式,在资金运用过程中充分考虑公司的险种结构、出险频率和赔付金额等业务特点,同时充分考虑公司的偿付能力要求,合理安排投资的久期和组合的品种,以提高公司的安全性、流动性和盈利性,最终达到提高企业价值的目的。
Assets and liabilities of property insurance companies are characterized by extensive sources of funds, liabilities of financial nature, short-term liabilities and high liquidity of assets. Property and liability insurance companies can protect the interests of policyholders by accruing assets and liabilities, meet regulatory requirements and reduce Financial risk and profitability. At present, all property insurance companies in our country should choose liability-led asset-liability management mode, and take full account of the business characteristics of the company’s insurance structure, risk-out frequency and the amount of compensation in the process of capital utilization, taking fully into account The solvency of the company requires that the duration of investment and the type of combination be reasonably arranged so as to enhance the safety, liquidity and profitability of the company and eventually achieve the purpose of raising the value of the enterprise.