预定利率是指寿险产品在计算保险费及责任准备金时,预测收益率后所采用的利率,其实质是寿险经营者因使用了客户的资金,而承诺以年复利的方式赋予客户的回报。通俗来说就是保险机构提供给客户的回报率。 预定利率的高低和保险产品的价格直接相关。在其它假设条件不变的前提下,如果一款产品的预定利率较高,消费者投保该产品时所缴纳的保费则越少,保险产品的竞争力越强。
并且还讨论寿险产品预定利率和红利的关系。
And life insurance products is also scheduled to discuss interest rates and dividend relations.
与传统的单一年预定利率下的精算方法相比较,该方法更为普遍合理、更加符合实际情况。
To compare with the traditional actuarial method in condition of single annual interest rate, the method is much more universal, rational and also accords with the actual conditions.
可以把它代入往来帐户的活期利率——以及预定方向的利率。
You can take into account current interest rates — and the projected direction of interest rates.
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