本文選題：預(yù)定利率　切入點(diǎn)：利率市場(chǎng)化　出處：《福州大學(xué)》2014年碩士論文

【摘要】：2013年11月9日,十八屆三中全會(huì)通過(guò)的《中共中央關(guān)于全面深化改革若干重大問(wèn)題的決定》指出：“經(jīng)濟(jì)體制改革是全面深化改革的重點(diǎn),核心問(wèn)題是處理好政府和市場(chǎng)的關(guān)系,使市場(chǎng)在資源配置中起決定性作用和更好發(fā)揮政府作用。”在經(jīng)濟(jì)體制改革的大框架下,金融體制改革作為經(jīng)濟(jì)體制改革的核心,實(shí)際已先行一步實(shí)施。由于壽險(xiǎn)企業(yè)曾經(jīng)通過(guò)競(jìng)相降價(jià)來(lái)促進(jìn)產(chǎn)品銷(xiāo)售,導(dǎo)致了市場(chǎng)的無(wú)序競(jìng)爭(zhēng),所以自1999年以來(lái),保險(xiǎn)監(jiān)管部門(mén)加強(qiáng)了對(duì)壽險(xiǎn)費(fèi)率的監(jiān)管,預(yù)定利率作為壽險(xiǎn)產(chǎn)品定價(jià)三要素中最重要的一個(gè)要素被嚴(yán)格管制,一直被限制在2.5%以?xún)?nèi)。2013年8月9日,反復(fù)醞釀的普通壽險(xiǎn)預(yù)定利率市場(chǎng)化改革方案終于揭開(kāi)了面紗,這是我國(guó)壽險(xiǎn)費(fèi)率市場(chǎng)化的重要開(kāi)端,不僅給壽險(xiǎn)業(yè)的發(fā)展帶來(lái)機(jī)遇,也帶來(lái)了挑戰(zhàn)。它一方面能為沉寂多年的壽險(xiǎn)市場(chǎng)打入一劑強(qiáng)心針,有效促進(jìn)壽險(xiǎn)市場(chǎng)的活躍繁榮；另一方面則有可能導(dǎo)致壽險(xiǎn)業(yè)的價(jià)格惡性競(jìng)爭(zhēng)、造成保險(xiǎn)公司的償付能力不足、甚至全行業(yè)虧損等一系列問(wèn)題。因此,預(yù)定利率市場(chǎng)化一時(shí)間成為保險(xiǎn)業(yè)近期最富有爭(zhēng)議的討論焦點(diǎn)。鑒于此,本文選取預(yù)定利率市場(chǎng)化這一專(zhuān)業(yè)視角進(jìn)行系統(tǒng)研究,具有很強(qiáng)的現(xiàn)實(shí)意義。首先,本文闡述了預(yù)定利率、預(yù)定利率市場(chǎng)化的概念及預(yù)定利率的確定因素(公司投資收益、同業(yè)競(jìng)爭(zhēng)壓力、銀行業(yè)投資利率等)；其次,本文詳細(xì)介紹了我國(guó)壽險(xiǎn)業(yè)的發(fā)展歷程及預(yù)定利率市場(chǎng)化的推進(jìn)步驟,并從正反面分析預(yù)定利率市場(chǎng)化后對(duì)消費(fèi)者、保險(xiǎn)公司、保險(xiǎn)行業(yè)和監(jiān)管機(jī)構(gòu)產(chǎn)生的影響,認(rèn)為在企業(yè)擁有著充足償付能力且確保市場(chǎng)秩序良好的情況下,預(yù)定利率市場(chǎng)化有利于活躍市場(chǎng)競(jìng)爭(zhēng),提高市場(chǎng)效率,從而擴(kuò)大整體市場(chǎng)規(guī)模；第三,本文詳細(xì)介紹了我國(guó)車(chē)險(xiǎn)費(fèi)率市場(chǎng)化的改革過(guò)程和國(guó)際先進(jìn)的壽險(xiǎn)監(jiān)管模式,為研究壽險(xiǎn)預(yù)定利率市場(chǎng)化改革的應(yīng)對(duì)措施奠定基礎(chǔ)；第四,本文通過(guò)對(duì)預(yù)定利率市場(chǎng)化可能產(chǎn)生的風(fēng)險(xiǎn)進(jìn)行預(yù)測(cè),分析了預(yù)定利率市場(chǎng)化對(duì)消費(fèi)者、壽險(xiǎn)公司、保險(xiǎn)市場(chǎng)、保險(xiǎn)監(jiān)管四方面帶來(lái)的影響；第五,通過(guò)借鑒國(guó)內(nèi)車(chē)險(xiǎn)費(fèi)率市場(chǎng)化的改革經(jīng)驗(yàn)及國(guó)外保險(xiǎn)監(jiān)管模式,分別從壽險(xiǎn)企業(yè)、保險(xiǎn)行業(yè)和保險(xiǎn)監(jiān)管三個(gè)方面提出預(yù)定利率市場(chǎng)化后的應(yīng)對(duì)措施,以實(shí)現(xiàn)壽險(xiǎn)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(xué)位授予單位】：福州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842.62

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