利率是寿险需求的重要影响因素之一。本文系统分析了利率波动与寿险需求之间的相互作用机制,通过扩大历史数据范围和合理分析离群值的方法,得出利率波动和寿险需求之间存在非常显著的负相关性。同时,提出了促进寿险行业全面健康发展的政策建议。 Interest rates are one of the most important factors in life insurance demand. This paper systematically analyzes the interaction between interest rate volatility and life insurance demand. By expanding the range of historical data and analyzing the outliers reasonably, it is concluded that there is a significant negative correlation between interest rate volatility and life insurance demand. At the same time, put forward policy recommendations to promote the comprehensive and healthy development of life insurance industry.