銀行加息對(duì)保險(xiǎn)業(yè)的影響.doc
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銀行加息對(duì)保險(xiǎn)業(yè)的影響,全文約2300字論述翔實(shí)abstractafter the increase of the bank interest, the interest rate of one year’s deposit has increased from 1.98% to 2.25%. the increasin...
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銀行加息對(duì)保險(xiǎn)業(yè)的影響
全文約2300字 論述翔實(shí)
Abstract
After the increase of the bank interest, the interest rate of one year’s deposit has increased from 1.98% to 2.25%. The increasing range of the rate for the mid-term and long-term deposit is even obvious. People who has the cash has to make decision whether to put the money in the bank or to buy the insurance. The higher the reconverted rate is, the stronger competitive advantage the insurance has, and however, the insurance company has to take more risks. The effects from the increasing interest rate have two sides: the good point is the profit from investing insurance goes up and the fee to buy insurance goes down. The bad point is the risk to invest has become bigger and people may decide to sell their insurance investments. In conclusion, the advantages to the insurance industry are more than the disadvantages.
摘要
此次銀行加息后，一年期存款利率從1.98%上升到2.25%，中長(zhǎng)期存款利率的上調(diào)幅度還更大些，這對(duì)手持資金的市場(chǎng)參與者來(lái)說(shuō)，可能面臨一個(gè)是買保險(xiǎn)還是存銀行的選擇。預(yù)定利率越高，則保險(xiǎn)產(chǎn)品的競(jìng)爭(zhēng)力越強(qiáng)，但保險(xiǎn)公司為此也要承擔(dān)更多的經(jīng)營(yíng)風(fēng)險(xiǎn)。由于保單預(yù)定利率主要是參照銀行存款利率設(shè)置的，存款利率波動(dòng)對(duì)一些傳統(tǒng)的保障型、儲(chǔ)蓄型壽險(xiǎn)產(chǎn)品影響很大。過(guò)去，隨著央行連續(xù)8次降息(一年期存款利率從1996年的10.98%降到了1.98%)，傳統(tǒng)的高預(yù)定利率壽險(xiǎn)產(chǎn)品產(chǎn)生了大量利差損，嚴(yán)重影響到整個(gè)保險(xiǎn)業(yè)的償付能力，保險(xiǎn)業(yè)一次次面臨“生死之問(wèn)”。正是在這樣的背景下，1999年，我國(guó)保險(xiǎn)監(jiān)管部門開(kāi)始對(duì)壽險(xiǎn)產(chǎn)品預(yù)定利率設(shè)定2.5%的上限。
關(guān)鍵詞
加息，保險(xiǎn)，回報(bào)率，利率，保費(fèi)，投資，退保
全文約2300字 論述翔實(shí)
Abstract
After the increase of the bank interest, the interest rate of one year’s deposit has increased from 1.98% to 2.25%. The increasing range of the rate for the mid-term and long-term deposit is even obvious. People who has the cash has to make decision whether to put the money in the bank or to buy the insurance. The higher the reconverted rate is, the stronger competitive advantage the insurance has, and however, the insurance company has to take more risks. The effects from the increasing interest rate have two sides: the good point is the profit from investing insurance goes up and the fee to buy insurance goes down. The bad point is the risk to invest has become bigger and people may decide to sell their insurance investments. In conclusion, the advantages to the insurance industry are more than the disadvantages.
摘要
此次銀行加息后，一年期存款利率從1.98%上升到2.25%，中長(zhǎng)期存款利率的上調(diào)幅度還更大些，這對(duì)手持資金的市場(chǎng)參與者來(lái)說(shuō)，可能面臨一個(gè)是買保險(xiǎn)還是存銀行的選擇。預(yù)定利率越高，則保險(xiǎn)產(chǎn)品的競(jìng)爭(zhēng)力越強(qiáng)，但保險(xiǎn)公司為此也要承擔(dān)更多的經(jīng)營(yíng)風(fēng)險(xiǎn)。由于保單預(yù)定利率主要是參照銀行存款利率設(shè)置的，存款利率波動(dòng)對(duì)一些傳統(tǒng)的保障型、儲(chǔ)蓄型壽險(xiǎn)產(chǎn)品影響很大。過(guò)去，隨著央行連續(xù)8次降息(一年期存款利率從1996年的10.98%降到了1.98%)，傳統(tǒng)的高預(yù)定利率壽險(xiǎn)產(chǎn)品產(chǎn)生了大量利差損，嚴(yán)重影響到整個(gè)保險(xiǎn)業(yè)的償付能力，保險(xiǎn)業(yè)一次次面臨“生死之問(wèn)”。正是在這樣的背景下，1999年，我國(guó)保險(xiǎn)監(jiān)管部門開(kāi)始對(duì)壽險(xiǎn)產(chǎn)品預(yù)定利率設(shè)定2.5%的上限。
關(guān)鍵詞
加息，保險(xiǎn)，回報(bào)率，利率，保費(fèi)，投資，退保
