人寿保险资金运用的潜力分析——无风险利率下的实例计算与分析

Analysis of the Potentiality for Utilizing the Life Insurance Fund——A Case of Calculation and Analysis at the Risk-Free Interest Rate

为了测算低利率条件下寿险公司的偿付能力和盈利情况,本文以定期人寿保险为例,在两种缴费方式下,计算出最佳的保费资金运用方案。结果表明,即使在我国历史上最低的利率水平下,寿险公司依然能够保证2.5%预定利率的偿付能力,并还有一定的盈利水平。这个结论为将预定利率上浮至3.5%提供了可靠的实证依据。

in order to estimate the solvency and profitability of the life insurance company under conditions of low interest rates, this paper calculates the best using plan of premium funds for term life insurance under two premium payment methods. The results show that even under the lowest level of interest rates in the history of our country, the life insurance companies are still able to guarantee the solvency of assumed interest rate of 2. 5%, and a certain level of profitability. This conclusion provides a reliable empirical basis for raising assumed interest rate to 3.5%.