哈尔滨理工大学学士学位论文利率波动对寿险需求影响分析.doc

哈 尔 滨 理 工 大 学 毕 业 设 计 题 目： 利率波动对寿险需求的影响分析 院、 系： 经济学院 金融系 姓 名： 指导教师： 刘 涛 系 主 任： 王颖 2012 年 6 月 利率波动对寿险需求的影响分析 摘要 利率作为金融的重要杠杆，它的波动必然引起各金融工具预期收益率的变化，人寿保险需求也必然深受利率波动的影响。由于大多数人寿保险都具有储蓄或投资的特性，因此银行存款及其它金融产品对人寿保险具有很强的替代效应。随着利率的市场化，利率波动对寿险需求的影响更加显著。本文从分析利率与寿险需求的关系出发，结合我国实际，研究了利率波动对寿险需求的替代效应与价格效应，和利率波动对储蓄型寿险产品和保障型寿险产品需求的影响结合我国现状并借鉴日本寿险业的经验，提出改进的措施，从不同的方面提出对策，如产品创新方面、资金运用方面、利率管制方面，分别解决产生于不同方面的问题 关键词 利率波动；寿险需求；替代效应；价格效应 The impact of fluctuations in interest rates on life insurance needs analysis Abstract The interest rate as the financial lever, it will inevitably cause the fluctuation of financial instruments is expected to yield changes, the demand of life insurance is bound by the impact of interest rate volatility.，Because the majority of life insurance have savings or investment properties, therefore, bank deposits and other financial products to the life insurance has very strong substitution effect.With the marketization of interest rate, the fluctuation of interest rate on life insurance demands more significant effect.Based on the analysis of interest rate and life insurance demand relations, combined with the actual situation in China, studied the fluctuation of interest rate on life insurance demand substitution effect and price effect, and the fluctuation of interest rate on savings type life insurance products and safeguard life insurance product demand, different influence to traditional life insurance products and new type of life insurance product demand and the effect on the different the investment-featured life insurance effect, and the combination of the Japanese life insurance industry development to promote decline, studied the response of interest rate on life insura