摘要
通货膨胀是寿险公司面临的一个重要风险。通货膨胀的主要危害是削弱传统保险给付的实际购买力,从而削弱消费者对保险产品的信心,购买保险意愿降低。产品创新是应对通货膨胀风险的主要措施,产品创新主要解决如何保证保险金实际购买力的问题。寿险业要应对通货膨胀风险,必须积极进行传统产品、分红产品、万能产品、投资连结产品、通货膨胀指数连结年金产品的开发和创新。
Inflation is a major risk faced by insurance companies. Inflation mainly undermines the actual purchasing power of proceeds from traditional insurance plans, and as a consequence, dampens people＇s confidence in insurance products and their willingness to purchase insurance products. Product innovation can help to redress this problem by mainly solving the question of reduced purchasing power of insurance proceeds. Life insurance industry should innovate on their traditional products, participating products, universal products, unit-linked products and index-linked annuity products to cope with the inflation risks.
出处
《保险研究》
CSSCI
北大核心
2008年第4期28-30,47,共4页
Insurance Studies
