在寿险产品创新中推行差异化定价法的系统分析

A Systematic Analysis of the Differential Pricing in the Innovation of the Life Insurance Products

寿险新产品应根据需求差异采取差异化定价法定价。按照不同的价格,直接把同种寿险产品卖给不同的投保人,即二级价格歧视;同一寿险产品在不同时间、不同空间索取不同价格;针对不同投保人群体,对寿险产品分别索取不同价格,而价格差异与成本差异不成比例等。采取差异化定价法有利于推动寿险产品创新。

The life insurance products should take differential pricing to set down prices. To sell different products to different proposers according to different prices, that means secondary price discrimination, to demand different prices at different time and in different places, to adjust the products and demand prices according to different proposers, and the price variation can be not corresponding to the cost variation. It would be very advantageous to innovating life insurance products if the differential pricing is widely adopted.