An International Study on the Insurance Premium Rate

本调查的目的是考察各国保险费率的差异。近年来，一些制造业产品和服务价格的国际差异问题引起了人们的广泛关注。然而，任何政府对国际价格差异的调查都没有包括保险价格。本研究试图探讨保险费率的国际差异。国际间在保险费率上存在差异。下表比较了选定国家的人寿保险价格情况。(日本=100.0丹麦= 110.5法国= 138.5德国= 112.6希腊= 118.9意大利= 153.8荷兰= 158.0英国= 135.0保险费费率受预期寿命、利率、分销渠道的特点以及公众对保险业的监管等主要因素的影响。我们正在研究这些因素对保险费率的影响。

The porpuse of this investigation is to examine the differences on the insurance premium rates among the countries. Problems in the international differences on the prices of some manufacturing products and services have attracted considerable attention in recent years. However, any governmental investigations on the international differences on the prices didnot include the insurance prices.This study attempted to investigate into the international differences on the insurance premium rates.The existence an international differences on the insurance premium rates were founded. The cases of prices of life insurance in selected countries are compared on the table as follows. (JAPAN=100.0 as a base)JAPAN 100.0 DENMARK 110.5 FRENCE 138.5 GERMANY 112.6 GREECE 118.9 ITALY 153.8 NETHERLANDS 158.0 GREAT BRITAIN 135.0The insurance premium rates are affected by some major factors like the life expectancy, the interest rate, a characteristic of the distribution channel and the public regulation toward the insurance industry. We are studying the effects of these factors on the insurance premium rates.