预定利率市场化对我国寿险业的影响及对策研究

发布时间：2018-04-01 04:18

本文选题：预定利率　切入点：利率市场化　出处：《福州大学》2014年硕士论文

【摘要】：2013年11月9日,十八届三中全会通过的《中共中央关于全面深化改革若干重大问题的决定》指出：“经济体制改革是全面深化改革的重点,核心问题是处理好政府和市场的关系,使市场在资源配置中起决定性作用和更好发挥政府作用。”在经济体制改革的大框架下,金融体制改革作为经济体制改革的核心,实际已先行一步实施。由于寿险企业曾经通过竞相降价来促进产品销售,导致了市场的无序竞争,所以自1999年以来,保险监管部门加强了对寿险费率的监管,预定利率作为寿险产品定价三要素中最重要的一个要素被严格管制,一直被限制在2.5%以内。2013年8月9日,反复酝酿的普通寿险预定利率市场化改革方案终于揭开了面纱,这是我国寿险费率市场化的重要开端,不仅给寿险业的发展带来机遇,也带来了挑战。它一方面能为沉寂多年的寿险市场打入一剂强心针,有效促进寿险市场的活跃繁荣；另一方面则有可能导致寿险业的价格恶性竞争、造成保险公司的偿付能力不足、甚至全行业亏损等一系列问题。因此,预定利率市场化一时间成为保险业近期最富有争议的讨论焦点。鉴于此,本文选取预定利率市场化这一专业视角进行系统研究,具有很强的现实意义。首先,本文阐述了预定利率、预定利率市场化的概念及预定利率的确定因素(公司投资收益、同业竞争压力、银行业投资利率等)；其次,本文详细介绍了我国寿险业的发展历程及预定利率市场化的推进步骤,并从正反面分析预定利率市场化后对消费者、保险公司、保险行业和监管机构产生的影响,认为在企业拥有着充足偿付能力且确保市场秩序良好的情况下,预定利率市场化有利于活跃市场竞争,提高市场效率,从而扩大整体市场规模；第三,本文详细介绍了我国车险费率市场化的改革过程和国际先进的寿险监管模式,为研究寿险预定利率市场化改革的应对措施奠定基础；第四,本文通过对预定利率市场化可能产生的风险进行预测,分析了预定利率市场化对消费者、寿险公司、保险市场、保险监管四方面带来的影响；第五,通过借鉴国内车险费率市场化的改革经验及国外保险监管模式,分别从寿险企业、保险行业和保险监管三个方面提出预定利率市场化后的应对措施,以实现寿险行业的持续健康发展。
[Abstract]:The decision of the CPC Central Committee on comprehensively deepening reform adopted by the third Plenary session of the 18th CPC Central Committee on November 9, 2013 pointed out: "the reform of the economic system is the focus of the overall deepening of the reform.The core problem is to properly handle the relationship between the government and the market, so that the market can play a decisive role in the allocation of resources and give better play to the role of the government. "Under the framework of economic system reform, financial system reform, as the core of economic system reform, has been carried out first.Since life insurance companies have been competing to reduce prices to promote product sales, leading to disorderly competition in the market, since 1999, insurance regulators have stepped up supervision of life insurance rates.As the most important of the three elements of life insurance pricing, the predetermined interest rate is strictly controlled and has been limited to 2.5 percent. On August 9, 2013, the market-oriented reform of the common life insurance predetermined interest rate was finally unveiled.This is an important beginning of the marketization of life insurance rates in China, which not only brings opportunities to the development of life insurance industry, but also brings challenges.On the one hand, it can inject a strong needle into the life insurance market, which has been silent for many years, so as to effectively promote the active and prosperous life insurance market; on the other hand, it may lead to vicious price competition in the life insurance industry, resulting in insufficient solvency of insurance companies.Even the whole industry loss and a series of problems.Therefore, the marketization of interest rates has become the most controversial issue in the insurance industry in the near future.In view of this, this paper chooses the specialized angle of interest rate marketization to carry on the systematic research, has the very strong realistic significance.Firstly, this paper expounds the concept of predetermined interest rate, the marketization of predetermined interest rate and the determinant factors of predetermined interest rate (company investment income, interbank competition pressure, banking investment interest rate, etc.); secondly,This paper introduces in detail the development of life insurance industry in China and the steps to promote the marketization of the predetermined interest rate, and analyzes the influence of the marketization of the predetermined interest rate on consumers, insurance companies, insurance industry and regulatory agencies from the positive and negative aspects.Under the condition that enterprises have sufficient solvency and ensure good market order, marketization of predetermined interest rates is conducive to active market competition and improving market efficiency, thus expanding the overall market size; third,This paper introduces in detail the reform process of automobile insurance rate marketization in China and the international advanced life insurance supervision model, which lays a foundation for studying the countermeasures of life insurance interest rate marketization reform.In this paper, we predict the possible risks of marketization of predetermined interest rate, and analyze the impact of marketization of predetermined interest rate on consumers, life insurance companies, insurance market and insurance supervision.By referring to the reform experience of domestic auto insurance rate marketization and the overseas insurance supervision model, this paper puts forward the countermeasures after the marketization of the predetermined interest rate from three aspects: life insurance enterprise, insurance industry and insurance supervision, respectively.In order to achieve the continued and healthy development of the life insurance industry.
【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.62

【参考文献】