Insurance companies as major investors are a potential source of systemic risk

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Title: Insurance companies as major investors are a potential source of systemic risk
Author: Savolainen, Eero
Organization: Bank of Finland
Series: Bank of Finland. Bulletin
Series volume: 89
Series number: 2/2015
Year of publication: 2015
Publication date: 9.6.2015
Pages: 42-45
Subject (yso): vakuutusyhtiöt; riskit
Keywords: järjestelmäriskit; sijoittajat; instituutiot; arvopaperisijoitukset; sijoitukset; vakuutuslaitokset
Other keywords: systemic risks; insurance companies
Abstract: Insurance companies promote economic activity by offering savings products and protection against risks. At the same time, insurance companies themselves are also investors. The reliability of insurance business is important for the economy as a whole. The low level of interest rates weakens insurance companies’ investment returns and increases the market value of liabilities in the sector; when protracted, this poses problems, particularly for life insurers. Systemic risks in the insurance business have begun to attract attention, especially in consideration of insurance companies’ importance as significant institutional investors.
Link: http://www.bofbulletin.fi/
Rights: https://helda.helsinki.fi/bof/copyright


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