本文選題：預定利率　切入點：利率市場化　出處：《福州大學》2014年碩士論文

【摘要】：2013年11月9日,十八屆三中全會通過的《中共中央關于全面深化改革若干重大問題的決定》指出：“經濟體制改革是全面深化改革的重點,核心問題是處理好政府和市場的關系,使市場在資源配置中起決定性作用和更好發(fā)揮政府作用�！痹诮洕w制改革的大框架下,金融體制改革作為經濟體制改革的核心,實際已先行一步實施。由于壽險企業(yè)曾經通過競相降價來促進產品銷售,導致了市場的無序競爭,所以自1999年以來,保險監(jiān)管部門加強了對壽險費率的監(jiān)管,預定利率作為壽險產品定價三要素中最重要的一個要素被嚴格管制,一直被限制在2.5%以內。2013年8月9日,反復醞釀的普通壽險預定利率市場化改革方案終于揭開了面紗,這是我國壽險費率市場化的重要開端,不僅給壽險業(yè)的發(fā)展帶來機遇,也帶來了挑戰(zhàn)。它一方面能為沉寂多年的壽險市場打入一劑強心針,有效促進壽險市場的活躍繁榮；另一方面則有可能導致壽險業(yè)的價格惡性競爭、造成保險公司的償付能力不足、甚至全行業(yè)虧損等一系列問題。因此,預定利率市場化一時間成為保險業(yè)近期最富有爭議的討論焦點。鑒于此,本文選取預定利率市場化這一專業(yè)視角進行系統(tǒng)研究,具有很強的現(xiàn)實意義。首先,本文闡述了預定利率、預定利率市場化的概念及預定利率的確定因素(公司投資收益、同業(yè)競爭壓力、銀行業(yè)投資利率等)；其次,本文詳細介紹了我國壽險業(yè)的發(fā)展歷程及預定利率市場化的推進步驟,并從正反面分析預定利率市場化后對消費者、保險公司、保險行業(yè)和監(jiān)管機構產生的影響,認為在企業(yè)擁有著充足償付能力且確保市場秩序良好的情況下,預定利率市場化有利于活躍市場競爭,提高市場效率,從而擴大整體市場規(guī)模；第三,本文詳細介紹了我國車險費率市場化的改革過程和國際先進的壽險監(jiān)管模式,為研究壽險預定利率市場化改革的應對措施奠定基礎；第四,本文通過對預定利率市場化可能產生的風險進行預測,分析了預定利率市場化對消費者、壽險公司、保險市場、保險監(jiān)管四方面帶來的影響；第五,通過借鑒國內車險費率市場化的改革經驗及國外保險監(jiān)管模式,分別從壽險企業(yè)、保險行業(yè)和保險監(jiān)管三個方面提出預定利率市場化后的應對措施,以實現(xiàn)壽險行業(yè)的持續(xù)健康發(fā)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.
【學位授予單位】：福州大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.62

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