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Countermeasures and strategies for asset liability management of life insurance companies in the period of interest rate downturn From PWC

The following is the Countermeasures and strategies for asset liability management of life insurance companies in the period of interest rate downturn From PWC recommended by And this article belongs to the classification: PWC, research report.

Because of the long-term characteristics and risk characteristics of life insurance companies, interest rate has an important and complex impact on the assets and liabilities of life insurance companies. It is also an important external environmental factor affecting the survival and development of life insurance companies.

The determinants of interest rate are very complex, including economic growth, population structure, debt leverage ratio and monetary policy. In the short term, due to the impact of COVID-19, all countries in the world have adopted interest rate control measures accordingly, resulting in a certain volatility in interest rates. In the medium and long term, China’s GDP growth rate has decreased year by year in recent years. In 2019, China’s GDP growth rate was 6.1%, which was significantly lower than the growth rate of 9% – 10% 10 years ago. In the first half of this year, China was more negatively affected by the epidemic. In addition, China’s aging population, the high proportion of debt leverage, trade frictions between China and the United States and economic cycle and other factors have a significant downward pressure on the economy.

In the external environment of the downward interest rate, this report analyzes the impact of life insurance companies, studies and references the relevant experience and lessons in the low interest rate environment abroad, and puts forward corresponding considerations and suggestions in combination with the current situation of asset liability management in China, hoping to arouse the attention and thinking of the management of life insurance companies on asset liability management in the downward interest rate environment The healthy development of the life insurance industry.

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