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通货膨胀是寿险公司面临的一个重要风险。通货膨胀的主要危害是削弱传统保险给付的实际购买力,从而削弱消费者对保险产品的信心,购买保险意愿降低。产品创新是应对通货膨胀风险的主要措施,产品创新主要解决如何保证保险金实际购买力的问题。寿险业要应对通货膨胀风险,必须积极进行传统产品、分红产品、万能产品、投资连结产品、通货膨胀指数连结年金产品的开发和创新。
Inflation is an important risk facing life insurance companies. The main harm of inflation is to weaken the actual purchasing power of traditional insurance payment, thereby weakening consumer confidence in insurance products and reducing willingness to purchase insurance. Product innovation is the main measure to deal with the risk of inflation. Product innovation mainly solves the problem of how to ensure the actual purchasing power of insurance premium. To cope with the inflation risk, the life insurance industry must actively carry out the development and innovation of traditional products, bonus products, universal products, investment linked products and inflation index linked annuity products.