退保率

主要是由于投资收益缩水，退保率持续上升，经营成本大幅增长以及目前代理人制度中存在的问题引起的。

The reason is that the investment shrinkage , the increasing of surrender rate and operating costs , and the problems existing within the present agent system .

本文主要从产品退保率方面分析了在升息给寿险公司带来的影响，并提出了对策和建议。

This thesis has analysed the effects of the cycle of raising interest rate on life insurance company from the product surrender rate aspect and has proposed countermeasures and suggestions .

公司高管人数与净资产收益率、资产负债率、总资产增长率以及退保率无显著相关关系。

The number of board of supervisors has a positive impact on ROE , have no significant on asset-liability ratio , total assets growth rate and lapse rate .

但地方割据的养老保险模式和制度内在的缺陷，造成了农民工覆盖率低、退保率高和养老保险关系转移难的现状，完善现行的农民工社会养老保险制度的研究具有现实意义。

However , local separatist regimes of pension insurance and the system inherent defects , resulting in low coverage of peasant workers , high surrender and difficult transfer of pension insurance relationship .

独立董事比重与净资产收益率呈正相关关系，与资产负债率和退保率呈负相关关系，与总资产增长率无显著相关关系。

The proportion of independent board has a positive impact on asset-liability ratio , have a negative impact on ROE , and have no significant impact on total assets growth rate and lapse rate .

从寿险公司业务特点来看，影响寿险公司财务和经营状况的主要因素为利率、死亡率、费用率、退保率、潜在可选择权等。

Judging from the nature of life insurance business , the determinants of their financial and operation performance are nothing but interest rate , casualty rate , charges , policy cancellation , and potential options .

文中首先阐述了保险风险并将其分为了三个部分：利率风险，死亡率风险和退保率风险，然后对这三个风险进行了详细的分析和建模。

The paper firstly described the insurance risk and divided it into three parts : interest rate risk , mortality risk and surrender risk . Then we analyze and model these three risks in detail .

在现实中主要影响资产负债的因素有利率、死亡率、退保率、费用率和通货膨胀率，监管部门等的约束也会影响资产负债，这些是构建我国寿险公司资产负债管理模型的基础。

In reality the main factors affecting the assets and liabilities are interest rates , mortality , surrender rate , the cost rate and the rate of inflation . Regulatory and other constraints will also affect the assets and liabilities .