CAJ | 학술논문

我国银行保险内存不足。通过格兰杰因果关系检验对“财务危机”和“利率替代”两种假说进行实证检验后得出：短期利率波动对银行保险退保影响不显著，长期利率波动对银行保险退保影响较显著，失业对银行保险退保短期影响较显著，证券投资波动对银行保险退保影响最为显著。为了降低我国银行保险的退保率，要深化银保合作机制，为了降低市场因素带来的影响，可适当提高银保产品的收益率，银保产品不要过于理财化，可适当增加一些保障功能。
아국은행보험내존불족。통과격란걸인과관계검험대“재무위궤”화“리솔체대”량충가설진행실증검험후득출：단기리솔파동대은행보험퇴보영향불현저，장기리솔파동대은행보험퇴보영향교현저，실업대은행보험퇴보단기영향교현저，증권투자파동대은행보험퇴보영향최위현저。위료강저아국은행보험적퇴보솔，요심화은보합작궤제，위료강저시장인소대래적영향，가괄당제고은보산품적수익솔，은보산품불요과우리재화，가괄당증가일사보장공능。
Due to the insufficient funds in bancassurance,this article analyze the market factors which affects the surrender of bancassurance product. Using Granger Causality Test,we domonstrate the hypothesis of“financial crisis”and“interest rate substitute”. It concluded that the volatility in short - term interest rates has not remarkable effect on the surrender of bancassurance product,while volatility in long - term interest rates has remarkable effect on it. Unemployment only affects the surrender of bancassurance product in the short term,and the fluctuation of portfolio investment takes an important role in it significantly. In order to bring down the surrender rate in our coun-try,the first thing we should do is to deepen the cooperation mechanism between the bank and insurance company. Besides,increasing the rate of return,offering bancassurance products properly and adding the risk - averting func-tion are proper methods to reduce the influence of market factors.