论文部分内容阅读
本文从寿险产品价格的特殊性和一般性出发进行分析,认为寿险价格的特殊性要求对其实行一定的监管,而寿险价格的普遍性则要求实行费率的市场化。因此在寿险价格是否市场化的问题上,将来的发展趋势是实行一定程度监管下的寿险费率市场化。而在具体的费率市场化过程中,应该采取渐进性费率改革、重视偿付能力的监管和完善现有的精算制度。
This article analyzes the particularity and generality of the price of life insurance products and argues that the particularity of the life insurance price requires some supervision over it, while the universality of the life insurance price requires the marketization of the rate. Therefore, whether the life insurance price is marketized or not, the future development trend is to marketize the life insurance rates under a certain degree of supervision. In the process of marketization of specific rates, gradual rate reform should be adopted, with emphasis on the regulation of solvency and improvement of the existing actuarial system.