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日本人身保险业经营经验提示我们,公司经营策略等内部因素和经济环境、监管环境等外部因素共同作用影响着利润.管控风险、特别是利率风险对人身保险业的长远发展意义重大。日本人身保险业保费收入决定了净利润的整体走势,投资收益对净利润波动影响更大;净赔款和责任准备金提转差是削减净利润的主因;一直保持死差益,上世纪90年代开始出现利差损,大公司存在费差益,小公司存在费差损。日本经验提示我们,公司经营策略
Japan’s experience in life insurance business has prompted us to influence the profit through internal factors such as business strategy and external factors such as economic environment and regulatory environment, etc. Control risk, especially interest rate risk, is of great significance to the long-term development of life insurance industry. Japan’s premium income of life insurance industry determines the overall trend of net profit, investment income has a greater impact on net profit fluctuations; net claims and liabilities reserve transfer is the main reason for net profit reduction; has been to maintain the benefits of death, the last century 90’s Interest loss occurs, the existence of large companies benefit, the small company existence fee difference. Japanese experience prompts us, the company business strategy