中国平安郭晓涛:低利率不可怕,资负匹配才能穿越周期

第一财经
Aug 25

上世纪90年代末至本世纪初,日本利率持续下行,日产生命、东邦生命、千代田生命、协荣生命等7家寿险公司相继破产。它们大多在泡沫经济时期大量销售高预定利率保单,随后遭遇资产端收益骤降与负债端成本刚性挤压,资产负债久期错配成为致命伤。  当前,中国已步入低利率环境,在利率持续下行、利差不断收窄的背景下,保险公司如何穿越周期?  “低利率本身不可怕,可怕的是资产负债匹配出问题。”近日,中国平安联席首席...

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