The crisis analysis and management based on the variable interest rate of chinese life insurance company

Crisis management is becoming one of the most consuming issues in the 21st Century and it can be applied in almost any field, especially in the insurance company. The insurance company is a kind of special industries that are managing with risk, which makes crisis management being more important. Being one of the three pricing factors, the interest rate has a serious influence on the performance of the: life insurance company. This paper analyzes the influence of variable interest rate specifically and points out an actuarial model with random interest rate. Eventually some measures of improving the crisis management and methods of decreasing the interest rate risk are approached.