近几年,由于宏观经济形势的变化,银行利率连续下调,国有保险公司特别是国有寿险公司出现严重的利差损,遇到前所未有的生存压力。 国内的保险学者在研究这一现象时,多将其归咎于粗放型经营方式在保险公司尤其 In recent years, as the macroeconomic situation has changed, bank interest rates have been continuously lowered, and state-owned insurance companies, especially state-owned life insurance companies, have experienced serious interest rate losses and pressures and have encountered unprecedented pressure to survive. Domestic insurance scholars in the study of this phenomenon, mostly blamed the extensive mode of operation in the insurance company, especially