“偿二代”二期对寿险公司产品与投资策略的影响  

The Effect of the Second Phase of China's Second Generation Solvency Supervision System on the Products and Investment Strategies of Life Insurance Companies

作　　者：刘涛 LIU Tao

机构地区：[1]中国人民人寿保险股份有限公司,北京100020

出　　处：《商业经济》2023年第8期65-67,共3页Business & Economy

摘　　要：全面完善后的偿二代二期工程更具科学性、有效性和全面性,对于保险业长期发展具有积极促进作用。对“偿二代”二期规则下寿险公司偿付能力充足率的变化进行定性分析,预期偿付能力将产生短期下降效应,该效应通过对寿险公司的产品与投资策略进行正向传导,将引导保险公司回归保障本源、专注主业,提高服务实体经济质效并有效防范风险。After comprehensive improvement,the second phase of China's second generation solvency supervision system is more scientific,effective,and comprehensive,which has a positive promoting effect on the long-term development of the insurance industry.Qualitative analysis of the changes in solvency adequacy ratio of life insurance companies under the second phase of the system shows that solvency is expected to have a short-term decline effect.The effect will guide insurance companies to return to the source of protection,focus on the main business,improve the quality of serving the real economy and effectively prevent risks through positive transmission to life insurance companies'products and investment strategies.

关 键 词：偿付能力充足率 产品 投资策略 

分 类 号：F842[经济管理—保险]