银行降息对寿险业的影响及供求模型分析

Impact on Life Insurance from Reduction of the Bank's Interest Rate and Analysis on Supply and Demand Model

宏观经济因素对保险业的发展起了重要的作用。自 1996年以来 ,中国经济政策导向已由治理通货膨胀转向刺激需求 ,三年多来 ,央行七次降息 ,对保险业的影响巨大。本文主要探讨降息对寿险业的影响 ,分析了降息引发的寿险业变革的原因 ,并就转型期寿险市场的有效启动提出了一些建议。

The factors of macro-economy have played a very important role in the development of insurance industry. Since 1996, China's economic policy has been directed from curbing inflation to stimulating demand. The central bank has reduced interest rate seven times in the past three years, which has exerted a great influence on insurance. The present article seeks for the impact on life insurance from reduction of interest rate, analyses causes of transformation in life insurance resulted from reduction of interest rate, and gives some proposals on effective stipulation of life insurance market during the transitional period. As one of the hot topics on insurance market, the above study will make a great contribution to the development and readjustment of China's insurance industry.