我国寿险公司利差损实证研究  

An Empirical Research on the Difference Between the Interest Rate Guarantees and the Real Interest Rate of Insurance Companies in China

作　　者：刘建强[1] 

机构地区：[1]上海财经大学金融学院,上海200083

出　　处：《烟台大学学报（哲学社会科学版）》2005年第1期73-76,共4页Journal of Yantai University(Philosophy and Social Science Edition)

摘　　要：改革开放以来,我国寿险公司以惊人的速度发展壮大,保费收入、保险深度、保险密度等都发生了巨大的变化。但承认成绩的同时,也应看到我国寿险公司发生的巨大利差损,因此,对产生利差损原因进行分析,并以中国人寿保险公司为样本,得出我国寿险业利差损的实证数值,对于认识我国寿险公司状况具有现实意义。With the reform and opening policy, the insurance industry grows up rapidly in China. The income of insurance, the density of insurance and the deep of insurance have all been increased sharply.The difference between the interest rate guarantees and the real interest rate of insurance companies in China has been increased too. With the China Life as an example, we will see the empirical result in this paper.

关 键 词：寿险公司 预定利率 利差损 

分 类 号：F840.62[经济管理—保险]