摘要：近年来，随着我国经济的不断增长，保险业发展方式正在逐步转变，盈利能力在不断增强，利差损等历史遗留问题逐步得到解决。虽然我国现阶段利差损有所缓解，但是仍未完全化解，在投资收益低于评估利率的情况下，每年仍会出现利差损，成为寿险公司的一大隐患。利差损的问题如果长期得不到解决，将对我国寿险企业和国民经济产生重大影响。本文结合我国寿险业利差损的现状，从宏观经济环境、保险经营和资产负债的匹配三个方面来谈寿险业我国利差损产生的原因，从而分析出化解利差损的策略，使寿险公司的盈利增加。
关键词：利差损 寿险公司 资产负债匹配 保险资金运用
Abstract: In the recent years, with the increasing growth of China’s economy, the mode of development of the insurance industry is gradually turning, and profitability is growing, the interest spread loss and other historical bequeath problem be solved step by step. Although at this stage in China interest spread loss is eased, but not yet fully resolved, in the case of investment income lower than the assessed rate, still appear every year Interest spread loss become a serious hazard of the life insurance company. Interest spread loss cannot be resolved long-term, China's life insurance companies and the national economy will be have a significant impact. In this paper, with the status quo of Interest spread loss of China's life insurance industry, to talk about the causes of the life insurance industry in China Interest spread loss from the three aspects of the macroeconomic environment, the insurance business and the matching of assets and liabilities, in order to analyze the strategy to resolve the Interest spread loss, so that the life insurance the company's earnings increase.
Keywords: The interest spread loss; Life insurance companies; Matching of assets and liabilities; The use of insurance funds
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