【摘要】：近些年來,壽險退保一直是影響我國壽險業(yè)快速良好發(fā)展的一個問題。所謂退保是指在保險保單合同尚未完全履行時,被保險人或保單持有人申請解除保險雙方根據(jù)合同所確立的法律關(guān)系,保險公司根據(jù)相關(guān)法律規(guī)定及保險合同的約定向保戶退還保單現(xiàn)金價值的行為。當發(fā)生大規(guī)模的集中退保時,要求壽險公司向投保人支付大量退保金,如果壽險公司沒有足夠的現(xiàn)金或及時籌措資金的能力,則可能發(fā)生流動性風險。因此,對于壽險公司而言,分析把握退保影響因素,采取相應的資產(chǎn)負債管理策略,以防范退保流動性風險,對其保持經(jīng)營穩(wěn)定,維護聲譽,提高市場競爭力具有重要的現(xiàn)實意義。 本文共分為六個部分。第一部分闡述了研究背景、研究意義、研究思路與研究方法,歸納總結(jié)了國內(nèi)外相關(guān)文獻觀點。第二部分概述了壽險公司流動性風險管理理論,包括流動性風險的概念、表現(xiàn)形式以及流動性風險管理的目標與手段。第三部分包括兩個方面的內(nèi)容,首先從總量、主體、空間三個維度概括了我國壽險退保的現(xiàn)狀；其次從投保人、壽險公司以及宏觀經(jīng)濟環(huán)境層面分析了壽險退保的影響因素。第四部分分別從現(xiàn)金流入和資產(chǎn)變現(xiàn)兩個角度對壽險公司退保流動性風險的形成機理進行了分析。第五部分基于退保影響因素及退保形成機理,從負債與資產(chǎn)兩個方面提出了壽險公司流動性風險管理策略選擇建議。負債策略包括優(yōu)化產(chǎn)品結(jié)構(gòu)、提高定價合理性、修正保單條款和創(chuàng)新營銷模式；資產(chǎn)策略包括實行保險資產(chǎn)證券化、加強投資管理。第六部分從品牌建設、退保現(xiàn)金流壓力測試開展以及人員素質(zhì)提高等三方面提出了壽險公司防范退保流動性風險的其他對策建議。
[Abstract]:In recent years, life insurance withdrawal has been a problem affecting the rapid and good development of life insurance industry in China. The so-called withdrawal of insurance means that when the insurance policy contract has not been fully fulfilled, the insured or the policy holder applies for the dissolution of the legal relationship established by the two parties in accordance with the contract. The return of the cash value of the policy to the insured in accordance with the relevant legal provisions and the agreement of the insurance contract. Life insurance companies are required to pay a large amount of refunds to policy holders when a large scale of centralized withdrawal occurs. If the life insurance companies do not have sufficient cash or the ability to raise funds in time, liquidity risks may occur. Therefore, for life insurance companies, it is necessary to analyze and grasp the influencing factors and adopt the corresponding asset and liability management strategies to guard against the liquidity risk, to maintain the business stability and to maintain the reputation. Improving market competitiveness has important practical significance. This paper is divided into six parts. The first part describes the research background, research significance, research ideas and research methods, and summarizes the domestic and foreign related literature views. The second part summarizes the theory of liquidity risk management of life insurance companies, including the concept of liquidity risk, its manifestation and the objectives and means of liquidity risk management. The third part includes two aspects: firstly, it summarizes the current situation of life insurance withdrawal from three dimensions of total amount, main body and space; secondly, it analyzes the influencing factors of life insurance withdrawal from the aspects of policy holder, life insurance company and macro-economic environment. In the fourth part, the forming mechanism of the liquidity risk of life insurance company is analyzed from the two angles of cash inflow and asset realization. In the fifth part, based on the influencing factors and the formation mechanism, the author puts forward some suggestions on the choice of liquidity risk management strategy for life insurance companies from the aspects of liabilities and assets. Liability strategy includes optimizing product structure, improving pricing rationality, revising policy terms and innovating marketing model, and asset strategy includes carrying out securitization of insurance assets and strengthening investment management. The sixth part puts forward other countermeasures and suggestions on how to prevent the liquidity risk of the life insurance company from three aspects: brand construction, cash flow stress test and personnel quality improvement.
【學位授予單位】：蘭州大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.3;F272.3

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