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寿险产品成本的预估性、产品的长期性以及利率自身的波动性和不可预测性决定了利率的变化必然会影响寿险需求。利率主要通过替代效应和价格效应影响寿险需求。利率变动对保障型寿险产品和新型寿险产品几乎没有影响,而对储蓄型寿险产品和传统固定预定利率产品的影响较大。为了应对加息对寿险需求的不利影响,应该大力发展保障型寿险产品,开发利率敏感型的新型寿险产品,尽快研究解除2.5%的预定利率上限。
Predicting the cost of life insurance products, long-term products and the volatility and unpredictability of interest rates themselves determine that changes in interest rates will inevitably affect the demand for life insurance. Interest rates affect life insurance demand primarily through substitution effects and price effects. Changes in interest rates have almost no impact on guaranteed life insurance products and new life insurance products, but have a greater impact on life insurance products with savings and traditional fixed-rate products. In order to cope with the negative impact of interest rate hike on life insurance demand, we should vigorously develop the life insurance products and develop new life insurance products with the sensitive interest rates. We should promptly study lifting the 2.5% fixed interest rate ceiling.