论文部分内容阅读
我国的利率水平从1982年起恢复了人寿保险业务以来一直处于不断的波动中,而同期的寿险保费收入增长速度时高时低,个别年份甚至出现了负增长。有的学者对85～95年间银行存款利率与寿险保费收入增长进行的相关性分析发现:寿险的保费增长与银行存款名义利率呈现出较强的负相关性。但利率变动对寿险经营的影响不仅局限于此,本文将就利率风险对寿险业的影响进行一些探讨,希望对我国寿险业防范利率风险有所帮助。
The interest rate level in our country has been constantly fluctuating since the resumption of life insurance business in 1982, while the growth rate of life insurance premiums in the same period has been rising and falling at a low speed. In some years even negative growth has occurred. Some scholars on the 85 to 95 years bank deposit interest rate and life insurance premium income growth correlation analysis found that: life insurance premium growth and bank deposit nominal interest rate showed a strong negative correlation. However, the impact of interest rate changes on life insurance business is not only limited to this, this article will explore the impact of interest rate risk on the life insurance industry, hoping to help prevent the interest rate risk in China’s life insurance industry.