论利率波动对寿险需求影响.docVIP

论利率波动对寿险需求的影响 【摘要】利率问题是金融市场中的核心问题之一，保险作为金融的一个重要组成部分，自然也受到利率的影响，并随着保险业规模的不断扩大，这种影响变得愈加突出。利率不仅是重要的宏观经济指标，也是影响寿险业发展和寿险需求的重要因素。现如今，我国进入了新一轮的加息周期，利率不断调整，研究利率变动对寿险需求的影响，对于促进寿险业与宏观经济发展、促进潜在寿险需求向现实寿险需求的转化具有重要的理论和现实意义。本文从利率影响寿险需求的理论分析入手，介绍利率与寿险价格的关系，引入利率波动对寿险需求的作用机制，并结合我国的实际考察其具体效果，分析了利率的替代效应和价格效应及其对我国不同寿险产品的影响，针对我国目前寿险业发展的实际情况，提出了应对不利影响的对策建议。 【关键词】利率波动；寿险需求；替代效应；价格效应；对策 [Summary] Interest rate is one of the core issues of financial market, and insurance as an important part of finance is naturally affected by interest rate. With the insurance industry continues to expand, this effect becomes more prominent. Interest rate is not only important macroeconomic indicator, but also an important factor in affecting the life insurance industry and life insurance needs. Now, China has entered a new round of rate hikes, interest rates constantly change and the study of the effect on life insurance demand caused by interest rate has an important theoretical and practical significance on promoting the development of life insurance industry and macro-economic, promoting the potential life insurance needs to change into the needs of real life. In this paper, at the beginning, I analyze the theory of interest rate affecting life insurance needs and introduce the relationship between interest rates and insurance prices to introduce the mechanism on how interest rate fluctuations affect life insurance demand. Then combined with Chinas actual effect of the specific study I analyze the impact of our different life insurance products cased by the substitution effect and the price effect of interest rate. At last, I come up with some countermeasures for the development of Chinas current actual situation. [Key Words] interest rate fluctuation; life insurance demand; substitution effect; price effect; countermeasure 目录 1. 利率波动影响寿险需求的理论分析·········································2 1.1 利率与人寿保险的价格 ················································ 2 1.1.1 预定利率与人寿保险价格····································