降息周期对寿险公司的影响及产品对策

Impacts of interest rate cuts on life insurance companies and their corresponding product strategy

自2008年9月以来,中国人民银行连续出台了降息政策,预示着新一轮降息周期来临。本文对此轮降息周期进行基本分析后,提出了降息周期未来预期的三种假设,并对比上次降息周期对寿险业产生的影响,研究了不同降息周期假设对公司已产生和可能产生的多种影响,初步探讨了基于产品层面的应对策略。

The People＇s Bank of China has cut interest rate several times since September 2008, signaling the advent of a new round of interest rate cut cycle. This paper made a fundamental analysis on this round of interest rate cuts and p rate cuts, sumptions roposed on three assumptions in this cycle. With a comparison to the impacts of the last cycle of interest it also researched on current and future possible impacts on insurers under different interest rate cut asand proposed on corresponding product strategies.