人身险3.0%时代我国寿险产品设计发展趋势研究

Research on the Development Trends of Life Insurance Product Design in China's 3.0%Pricing Interest Rate Era

随着利率市场化改革的逐步推进,我国的人身险预定利率已经进入3.0%时代,这对保险公司产品创新提出了新的要求。文章在回顾我国寿险产品设计发展历程的基础上,分析预定利率调整的意义,展望人身险3.0%时代产品创新的趋势,并提出促进寿险产品创新的政策建议。研究旨在为保险公司顺应市场与监管要求,合理设计寿险产品提供建议。

With the advancement of interest rate marketization reform,China's life insurance pricing interest rate has en-tered the 3.0%era,which raises new requirements for insurance companies'product innovation.Based on a review of the development history of China's life insurance product design,this article analyzes the significance of adjusting the pricing interest rate,looks forward to the trends of product innovation in the life insurance 3.0%pricing interest rate era,and puts forward policy recommendations to promote life insurance product innovation.The purpose of this study is to provide sug-gestions for insurance companies to adapt to market and regulatory requirements and rationally design life insurance products.