肖举萍博士《论当前金融经济环境下的寿险产品结构优化策略》一文(下称肖文)分析了我国国内金融经济的大环境:由于城镇居民家庭收入水平总体上升,收入预期继续向好,即便2007年连续5次升息,银行利息税也从8月15日20%的降为5%,但广大居民消费、储蓄需求仍将降低,投资理财需求仍将 Xiao Quping, Ph.D., “On the Optimization of Life Insurance Product Structure in the Current Financial and Economic Environment” (hereinafter referred to as Xiao Wen) analyzed the general situation of China’s domestic financial and economic environment. As the income level of urban households generally increased, the income expectation continued to improve. Even 2007 5 consecutive times to raise interest rates, bank interest tax from 20% on August 15 to 5%, but the general population consumption, savings demand will continue to decline, investment and financial needs will continue