一、我国寿险企业面临潜在的偿付危机(一)寿险企业是否有足够的偿付能力,取决于寿险企业的盈利水平,而寿险企业是否盈利,主要由“三差”决定,即费差、死差和利差费差是指预定费用率与实际费用率的差异。预定费用率形成保费中的保费部分,若年度内保费收入中附加保费大于实际支出费用而有盈余,盈余部分称之为费差益,反之则为 First, China’s life insurance companies are facing a potential payoff crisis (A) Whether life insurance companies have enough solvency, depending on the level of profitability of life insurance companies, and life insurance companies are profitable, mainly by the “three bad” decision, that is, Margin and spread The spread is the difference between the scheduled rate and the actual rate. The scheduled fee rate forms part of premiums in premiums. If the premiums in the premiums during the year are more than the actual expenses, the surplus part is called the fee-for-profit, otherwise