利率市场化和寿险定价利率改革互动研究  

The Interaction Between Interest Rate Liberalization and Life Insurance Pricing Interest Rate Reform

作　　者：牛播坤[1,2] 刘蕾蕾[3] 

机构地区：[1]华中科技大学经济学院 [2]华创证券 [3]中央财经大学金融学院

出　　处：《金融监管研究》2013年第8期85-102,共18页Financial Regulation Research

摘　　要：随着我国利率市场化的深入推进,寿险定价利率市场化呼之欲出。本文从分析部分国家利率市场化和寿险定价利率市场化互动及影响入手,在总结利率市场化和寿险定价利率市场化的互动对寿险市场影响的基础上,分析了2011年以来我国利率市场化启动对我国寿险市场带来的挑战,并从监管、市场机制和保险公司自身等角度提出了应对挑战的建议。Along with the progress of the interest rate liberalization in China, the life insurance pricing interest reform is on the way. This paper starts with an analysis of the interaction between the interest rate liberalization and the life insurance pricing interest reform and its effect, i. e., the impact that certain interaction has on China＇ s mar- ket of life insurance. Then, it examines the challenges China＇ s market of life insurance faces since the interest rate liberalization in 2011, and gives suggestion regarding supervision, market mechanism, insurance companies, etc.

关 键 词：利率市场化 寿险定价利率改革 负债成本 创新 

分 类 号：F832.1[经济管理—金融学]