![Fed mener livselskaper er mindre klar for sjokk](https://image.tiderpenger.no/101720.webp?imageId=101720&x=0.00&y=0.00&cropw=100.00&croph=100.00&width=960&height=404&format=jpg)
Fed mener livselskaper er mindre klar for sjokk
I en nylig rapport trekker Den amerikanske sentralbanken frem hvordan livselskapers hverdag har endret seg, og hvordan dette kan påvirke deres evne til å tåle økonomiske sjokk:
Over the past decade, the liquidity of life insurers’ assets steadily declined, and the liquidity of their liabilities slowly increased, potentially making it more difficult for life insurers to meet a sudden rise in withdrawals and other claims. Life insurers increased the share of illiquid assets— including CRE loans, less liquid corporate debt, and alternative investments—on their balance sheets.
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In addition, they have continued to rely on nontraditional liabilities—including funding-agreement-backed securities, Federal Home Loan Bank advances, and cash received
through repos and securities lending transactions—which offer some investors the opportunity to
withdraw funds on short notice.