肖举萍博士《论当前金融经济环境下的寿险产品结构优化策略》以我国国内金融经济的大环境为大背景,分析了影响广大消费者消费、储蓄、投资行为的几点关键因素——加息预期、人民币升值预期、流动性过剩、国内资本市场牛市财富效应等,从而得出广大居民消费、储蓄需求将降低,投资 Xiao-Ping Xiao, Ph.D. on Optimization of Life Insurance Product Structure in the Current Financial and Economic Environment With the background of China’s domestic financial and economic environment as the background, this paper analyzes several key factors that affect consumers’ consumption, saving and investment behavior - Expected RMB appreciation, excess liquidity and the bull market wealth effect in the domestic capital market. As a result, the consumption of the vast majority of residents will decrease, the demand for savings will decrease, and the investment