银行加息对保险业的影响.doc
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银行加息对保险业的影响,全文约2300字论述翔实abstractafter the increase of the bank interest, the interest rate of one year’s deposit has increased from 1.98% to 2.25%. the increasin...
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银行加息对保险业的影响
全文约2300字 论述翔实
Abstract
After the increase of the bank interest, the interest rate of one year’s deposit has increased from 1.98% to 2.25%. The increasing range of the rate for the mid-term and long-term deposit is even obvious. People who has the cash has to make decision whether to put the money in the bank or to buy the insurance. The higher the reconverted rate is, the stronger competitive advantage the insurance has, and however, the insurance company has to take more risks. The effects from the increasing interest rate have two sides: the good point is the profit from investing insurance goes up and the fee to buy insurance goes down. The bad point is the risk to invest has become bigger and people may decide to sell their insurance investments. In conclusion, the advantages to the insurance industry are more than the disadvantages.
摘要
此次银行加息后，一年期存款利率从1.98%上升到2.25%，中长期存款利率的上调幅度还更大些，这对手持资金的市场参与者来说，可能面临一个是买保险还是存银行的选择。预定利率越高，则保险产品的竞争力越强，但保险公司为此也要承担更多的经营风险。由于保单预定利率主要是参照银行存款利率设置的，存款利率波动对一些传统的保障型、储蓄型寿险产品影响很大。过去，随着央行连续8次降息(一年期存款利率从1996年的10.98%降到了1.98%)，传统的高预定利率寿险产品产生了大量利差损，严重影响到整个保险业的偿付能力，保险业一次次面临“生死之问”。正是在这样的背景下，1999年，我国保险监管部门开始对寿险产品预定利率设定2.5%的上限。
关键词
加息，保险，回报率，利率，保费，投资，退保
全文约2300字 论述翔实
Abstract
After the increase of the bank interest, the interest rate of one year’s deposit has increased from 1.98% to 2.25%. The increasing range of the rate for the mid-term and long-term deposit is even obvious. People who has the cash has to make decision whether to put the money in the bank or to buy the insurance. The higher the reconverted rate is, the stronger competitive advantage the insurance has, and however, the insurance company has to take more risks. The effects from the increasing interest rate have two sides: the good point is the profit from investing insurance goes up and the fee to buy insurance goes down. The bad point is the risk to invest has become bigger and people may decide to sell their insurance investments. In conclusion, the advantages to the insurance industry are more than the disadvantages.
摘要
此次银行加息后，一年期存款利率从1.98%上升到2.25%，中长期存款利率的上调幅度还更大些，这对手持资金的市场参与者来说，可能面临一个是买保险还是存银行的选择。预定利率越高，则保险产品的竞争力越强，但保险公司为此也要承担更多的经营风险。由于保单预定利率主要是参照银行存款利率设置的，存款利率波动对一些传统的保障型、储蓄型寿险产品影响很大。过去，随着央行连续8次降息(一年期存款利率从1996年的10.98%降到了1.98%)，传统的高预定利率寿险产品产生了大量利差损，严重影响到整个保险业的偿付能力，保险业一次次面临“生死之问”。正是在这样的背景下，1999年，我国保险监管部门开始对寿险产品预定利率设定2.5%的上限。
关键词
加息，保险，回报率，利率，保费，投资，退保
