銀行加息對保險業(yè)的影響

全文約2300字 論述翔實

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%，中長期存款利率的上調幅度還更大些，這對手持資金的市場參與者來說，可能面臨一個是買保險還是存銀行的選擇。預定利率越高，則保險產品的競爭力越強，但保險公司為此也要承擔更多的經營風險。由于保單預定利率主要是參照銀行存款利率設置的，存款利率波動對一些傳統(tǒng)的保障型、儲蓄型壽險產品影響很大。過去，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)的高預定利率壽險產品產生了大量利差損，嚴重影響到整個保險業(yè)的償付能力，保險業(yè)一次次面臨“生死之問”。正是在這樣的背景下，1999年，我國保險監(jiān)管部門開始對壽險產品預定利率設定2.5%的上限。

關鍵詞
加息，保險，回報率，利率，保費，投資，退保