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随着我国各项改革的深化 ,社会资源的配置越来越多地通过市场来进行。利率市场化通过影响证券市场而影响保险的投资收益 ,通过影响保险产品的预定利率而影响产品的设计、开发、销售 ,通过影响经济和消费需求影响保险收入 ,通过影响费率影响保险经营成本和承保利润。利率市场化有利于同业公平竞争 ,提高市场服务效率 ,但对保险监管、调整保险业务结构和资产负债结构的水平提出了更高要求 ,同时 ,利率市场化 ,有利于促进保险公司转换经营机制 ,加强内部管理 ,真正走现代企业之路
With the deepening of various reforms in our country, the allocation of social resources is increasingly being conducted through the market. Interest rate liberalization affects the insurance investment income through affecting the securities market, which affects the design, development and sales of products by affecting the planned interest rate of insurance products, affects the insurance revenue through influencing the economy and consumer demand, affects the insurance operation cost through influence rate, Underwriting profit. The marketization of interest rates is conducive to fair competition among the industry and improves the efficiency of market services. However, higher requirements are placed on the insurance supervision and adjustment of the insurance business structure and the structure of assets and liabilities. At the same time, the marketization of interest rates is conducive to promoting the transformation of insurance companies’ Strengthen internal management, truly take the road of modern enterprises