浅析加息对我国寿险业的影响

A Brief Analysis on the Impacts of Life Insurance in China

自1995年7月以后,我国央行9次调低利率。2004年10月29日,央行首次上调存贷款利率。此次加息新政策的出台,将对寿险行业产生立竿见影的效果。面对可能出现的加息周期,保险企业将采取怎样的措施予以应对?加息预期形成后,保险消费者也有了新的思考,到底如何购买保险才算理性消费?本文将对加息对我国寿险业的影响及各方的应对措施进行分析。

Since July 1995,the Central Bank has decreased the interest rate for the ninth time. On October 29th ,2004, the Central Bank raised firstly the interest rate in all these years. What are the impacts on the life insurance companies and consumers? What should they do under the new conditions? This article is trying to find it out.