환율 1500원 장기화…당국 대응 한계에 부담 커진 보험 업계

South Korea's prolonged won-dollar exchange rate above 1,500 is creating severe asset-liability management challenges for insurers, forcing difficult tradeoffs between foreign exchange gains and volatility-driven capital strain. Enhanced hedging costs and concentrated derivative maturity profiles amplify systemic risk, while regulatory authorities are intensifying oversight through expanded stress testing to prevent financial instability.