Finally, this paper has proposed that which kind of tactics should be adopted in order to tackle the risk caused by the increase of surrender rate in the cycle of raising interest rate.
最后，本文对寿险公司提出了在升息周期，应该采取何种策略以应对退保率提高的风险的对策和建议。
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.
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。
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.
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.
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。
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