预定利率市场化必将促成寿险市场多赢局面

Market-based Assumed Interest Rate Contributes to A Win-win Result for Life Insurance Market

不放开传统寿险产品的预定利率,传统产品就无法做大,就无法发挥其社会保障功能。只要把住偿付能力监管,市场就不会出现无序竞争。展望未来,需要更多地站在行业的角度、客户的立场来开发产品、开拓市场,唯此整个保险业才能在社会保障体系中进一步确立应有的地位,才能充分发挥经济补偿、资金融通、社会管理三大职能,才能真正实现全方位的发展,才能真正让投资者分享到行业的成长价值。

Without the deregulation of assumed interest rate,the traditional life insurance products can neither diversify nor provide social security. Only if the solvency supervision be strengthened can market competition stay away from disorder. Over the past decade, the life insurance has played a bigger role to weather against interest rate risks. In the future, customer interest should be put in the first in new products R＆D and marketing.Only in this way can the insurance industry give full play to economic compensation, financing and social management functions, helping achieve all-round development and truly enable investors to share the value of the industry＇s growth.