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“2002年以来,寿险公司发售以投资为主要目的的寿险保单,保费大多数采用趸交,保险期间缩短,将来现金流有可能发生困难。”中国保监会副主席魏迎宁说。 中国投资型保险保费收入占寿险保费收入的比重已由2000年的3.7％迅速上升到2002年的49.3％。新单保费中,分红险已占了75％左右。在保险行业投资收益率逐年下降的情况下,拿什么来分红给保户?如果未来两三年内,中国的股票市场出现好转,或是银行利率提高,那么我们就可能面临大量退保。
“Since 2002, life insurance companies have been offering life-insurance policies with the main purpose of investing. Most of the premiums are issued in the form of single premiums and the insurance period is shortened, which may make future cash flow more difficult,” said Wei Yingning, vice chairman of China Insurance Regulatory Commission. The share of China’s investment-based insurance premiums in life premium income has risen sharply from 3.7% in 2000 to 49.3% in 2002. In the new single premium, dividend insurance has accounted for about 75%. In the insurance industry, the rate of return on investment declined year by year, what to dividend policy holders? If the next two to three years, China’s stock market improved, or the bank interest rates increase, then we may face a large number of surrender.