| 试析银行利率与寿险价格的关系 |
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| 引用本文： | 张伟.试析银行利率与寿险价格的关系[J].黄河水利职业技术学院学报,2008,20(3):96-98. |
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| 作者姓名： | 张伟 |
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| 作者单位： | 开封大学,财政经济学院,河南,开封,475004 |
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| 摘 要： | 寿险预定利率作为决定寿险产品定价的因素,与保险产品价格成反比。在其他因素既定的条件下,预定利率越高,保险价格越低;预定利率越低,保险价格越高。我国传统的寿险产品都是以储蓄型为主,其与银行存款是替代关系,寿险预定利率一般都以当时的银行存款利率作参考,略高于存款利率。银行利率的不断变化,会使寿险预定利率与银行利率偏差太大,对保险产品的销售带来不利的影响。
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| 关 键 词： | 银行利率 寿险预定利率 寿险价格 |
On Relationship between Bank Interest Rate and Life-insurance Price |
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| ZHANG Wei.On Relationship between Bank Interest Rate and Life-insurance Price[J].Journal of Yellow River Conservancy Technical Institute,2008,20(3):96-98. |
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| Authors: | ZHANG Wei |
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| Affiliation: | ZHANG Wei (School of Finance and Economy, Kaifeng University, Kaifeng 475004, Henan, China) |
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| Abstract: | Life-insurance scheduled interest rate is a decisive factor of life-insurance's price and is inversely proportional to the price of life-insurance product.Under the condition of other factors have been fixed,the higher the scheduled interest rate is,the lower the insurance price is,and vice versa.China's traditional life insurance products are savings-oriented and are the simple substitute of bank deposit.The life-insurance scheduled interest rate generally views the bank deposit interest rate of that time as a reference and a little higher than that.The bank interest rate's constantly changing will bring much deviation to life-insurance scheduled interest rate and bank interest rate and adversely affect the sale of insurance product. |
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| Keywords: | bank interest rate life-insurance scheduled interest rate life-insurance price |
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