由于内外部经济环境的要求 ,长期产品已成为我国产险公司产品开发战略的重要内容。但由于产品、服务、社会经济环境及内部管理方面的原因 ,使长期产品易产生退保风险 ,应加强对退保诱因的分析和监控 ,从产品开发、推广、财务和业务管理各个环节来进行退保风险管理 Due to the requirements of the internal and external economic environment, long-term products have become an important part of the product development strategy of China’s property insurance companies. However, due to product, service, socio-economic environment and internal management reasons, long-term products are easy to generate surrender risk. The analysis and monitoring of surrender incentives should be strengthened and carried out from product development, promotion, finance and business management Surrender risk management