利率风险的化解——利率变动型年金产品

Tool for Evading Interest Risk:Annuities with Variable Interest Rate

中国已经步入老龄化社会,老年人的养老问题成为了社会的突出问题。基本养老保险保障不足,给商业养老保险创造了巨大的发展空间。同时近十来年,我国的利率波动很大,传统年金产品的缺陷充分暴露,年金产品的创新成为必要。本文介绍了三类能化解利率风险同时提供养老保障的年金产品。

As China has entered the aged society, the problem of supporting the aged becomes prominent in the society. The insufficient guarantee of basic endowment insurance has given commercial endowment insurance a huge space for development. Meanwhile, in recent ten years or so, our interest rate fluctuated greatly, and the defects of traditional annuity products were fully exposed. Therefore it is imperative to innovate in annuity products. This paper introduces three annuity products that provide endowment insurance guarantee while evading interest risk.