An International Study on the Insurance Premium Rate

本研究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相当大的关注。然而，政府对保险价格国际差异的研究并不包括保险价格，本研究试图对保险费率的国际差异进行研究，发现保险费率存在国际差异。下表对选定国家的人寿保险价格进行了比较。（日本=100.0为基数）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保险费率受一些主要因素的影响，如预期寿命、利率、分销渠道的特征和对保险业的公共监管。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.