退保率又称金额退保率，是指一定时期退保保额与承保总额的比率。
人寿保险的保单失效率（forfeiture rate）连续三个季度下滑，在去年第四季是1.35％；退保率（surrender rate）则保持平稳在1.83％。
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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。
参考来源 - 升息对寿险产品退保率的影响及其对策研究Then the per policy method was used to analyze death index, withdraw rate and lapse rate in a life insurance company.
然后本文用基础率分析方法之一的“逐单法”在某寿险公司进行了死亡指数、退保率和失效率的个案应用分析。
参考来源 - 基础率分析方法及其在寿险公司的应用研究·2,447,543篇论文数据，部分数据来源于NoteExpress
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.
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。
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.
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.
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