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近年来，随着我国保险市场规模的不断扩大，保险公司的业务收入，特别是寿险业务收入每年都以较高的速度增长。同时，由于保险市场主体增加，市场竞争加剧，造成保险业务费率下降，成本支出增加。保险公司出于谋求利润最大化的目的，同时为了增强自身偿付能力，都希望在保证资
In recent years, with the continuous expansion of the insurance market in our country, the business income of insurance companies, especially the life insurance business, has been growing at a relatively high rate every year. At the same time, due to the increase of the insurance market entities and intensified market competition, the insurance business rates have been reduced and the cost expenditures have increased. Insurance companies for the purpose of maximizing profits, at the same time in order to enhance their own solvency, all hope that the guaranteed