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Research on the Impact of the Macroeconomic Environment on the Adjustment of Actuarial Interest Rates
- 1 School of Insurance, Central University of Finance and Economics, Beijing, China
* Author to whom correspondence should be addressed.
Abstract
In the context of global economic fluctuations and financial market transformations, this paper discusses how changes in the macroeconomic environment systematically affect the dynamic adjustment mechanism of the actuarial interest rate of the insurance market. The study found that macroeconomic variables affect actuarial interest rates by changing inflation, factor markets, etc., and significantly affect the pricing decisions of insurance companies. In the major fields of economy and finance, people have never stopped macroeconomic research and deeply discuss actuarial interest rates. With the diversification of today's market, some tiny macroeconomic factors will also cause major changes in insurance market. For example, the decline in unemployment and inflation will lead to an increase in actuarial interest rates, and exchange rate fluctuations and economic policies will also cause changes in actuarial interest rates. Furthermore, the reserves, product pricing and risk management in the insurance market will also change accordingly. With these conclusions, we have a theoretical basis for the accurate control of the insurance market, so as to make more favourable decisions.
Keywords
Discount rate, economic environment, economic policy, product pricing, macroeconomics
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Cite this article
Jiang,T. (2025). Research on the Impact of the Macroeconomic Environment on the Adjustment of Actuarial Interest Rates. Advances in Economics, Management and Political Sciences,178,21-25.
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Volume title: Proceedings of the 3rd International Conference on Management Research and Economic Development
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