论市场因素对保险产品定价的影响

The Market Influence Upon the Pricing of Insurance Products

基于精算技术的保费厘定实际上是用一种成本定价方法,未考虑市场因素对价格的影响。即单个投保人之间对保险产品价格变化的容忍程度、价格空间的大小变化对顾客需求的影响以及不同组群的潜在投保人的需求差别。分析市场因素对保险产品定价的影响,保险产品差别定价的策略是保险业产品定价之良策。而保险业只有精算技术与市场分析结合起来才能挖掘保险产品深层次的潜力。

The pricing technique based on actuary is, in fact, a method of pricing according to the cost, ie. the difference of tolerance among individual policy-holders, the influencecaused by the change of price space upon customer demand, the difference of demand among different groups of potential policy-holders, without considering the influence on price owing to market factors. To analyze the influence and discrimination price strategy for insurance product is a good way for pricing. However, only pricing technique combined with market can insurance industry find greater potential of insurance products.