寿险业的经营风险对一国金融稳定和社会、经济发展有重要的影响，寿险业有可能成为金融危机的另一个源头。
由于寿险企业资产负债较高、产品以储蓄型产品为主、资产负债匹配风险较高等原因，寿险企业经营存在寿险市场主体偏少形不成应有的竞争、寿险险种缺乏创新等问题。应采取制定稳健的保险业发展政策、建立健全寿险企业风险自我控制和补偿机制、提高寿险资金使用效率、以偿付能力为核心、完善寿险同业自律机制、加强宣传教育等对策加以解决。
关键词： 寿险；风险；防范；控制
Abstract
The life insurance management, is a kind of liabilities management substantially, and because of the characteristics that the life insurance risk has sex, accumulation, explosion and banes of conceals, once explosion, may result in serious social result, this needs the life insurance company and it take charge of the organization to identify the life insurance management early in the existent risk, carrying on guarding against and controling, to maintain the stability that life insurance management. This text from guard against and controled the necessity of the life insurance management risk to set out, analysis the life insurance management in various existent risk, various index sign within the trial usage financial analysis method tests to identify these risks, putting forward to take charge of the organization, the life insurance company and self-disciplines organization in life insurance conduct risk guard against and control various measure that should adopt．
Keywords：the life insurance；risk；guard against； control
*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】
