寿险预定利率市场化分析

The liberalization of life insurance pricing rate

保监会发布《关于人身保险预定利率有关事项的通知(征求意见稿)》,预示国内寿险预定利率2.5%上限即将被放开,资本市场、保险公司和消费者对此均做出反应。本文对通知的发布对寿险业的影响进行了深入的分析,认为寿险利率市场化已经具备条件,预定利率市场化在控制好风险、理性竞争的前提下,将有利于进一步完善中国保障体系,进一步提升商业保险在社会保障体系中的地位,并发挥应有的作用。

＂The notice on relevant issues regarding assumed interest rate of personal insurance （for comments）＂ issued by CIRC signaled the 2.5 % guaranteed rate cap on life insurance products are to be lifted,which attracted a lot of attention of the capital market, insurance companies and consumers. The paper made an in-depth analysis on the impacts of the Notice on the life insurance industry and held that it was now possible to liberalize life insurance pricing rate. With proper risk control and rational competition, liberalizing pricing rate would further enhance the risk protection system in China, and heighten the role of commercial insurance in the system.