退保率
人寿保险的保单失效率(forfeiture rate)连续三个季度下滑,在去年第四季是1.35%;退保率(surrender rate)则保持平稳在1.83%。
最后,本文对寿险公司提出了在升息周期,应该采取何种策略以应对退保率提高的风险的对策和建议。
This thesis has analysed the effects of the cycle of raising interest rate on life insurance company from the product surrender rate aspect and has proposed countermeasures and Suggestions.本文主要从产品退保率方面分析了在升息给寿险公司带来的影响,并提出了对策和建议。
The paper firstly described the insurance risk and divided it into three parts: interest rate risk, mortality risk and surrender risk. Then we analyze and model these three risks in detail.文中首先阐述了保险风险并将其分为了三个部分:利率风险,死亡率风险和退保率风险,然后对这三个风险进行了详细的分析和建模。