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我国近年利率波动情况 近几年来,随着我国市场经济体制的逐步完善,宏观经济有了好转,市场物价涨幅持续回落。为了适应物价的变化和进一步减轻企业利息负担,支持国有企业改革,同时,为了鼓励投资和刺激消费,我国政府自1996年5月至1998年5月,短短的两年时间内,分别于1996年5月1日、1996年8月23日、1997年10月23日及1998年4月期间,四次下调银行存贷款利率。在这四次降息风波中,对于我国寿险业冲击最大的当属第三次（即1997年10月）的降息。 第三次降息是在前三季度我国经济形势继续保持健康的发展态势,物价涨幅保持在较低水平,银行利率水平大大超过物价涨幅的背景下进行的。此次降息具有以下两个特点:
In recent years, with the gradual improvement of the market economy system in our country, the macroeconomy has been improved and the market price inflation has continued to drop. In order to adapt to the change of prices and further reduce the interest burden on enterprises, we should support the reform of state-owned enterprises. Meanwhile, in order to encourage investment and stimulate consumption, our government, from 1996 May to May 1998, On May 1, 1996, August 23, 1996, October 23, 1997 and April 1998, the bank cut the deposit and lending rates four times. In the four times of the rate cut, the biggest impact on China’s life insurance industry came in the third (October 1997) rate cut. The third interest rate cut was made in the first three quarters of the year when the economic situation in our country continued to maintain a healthy momentum of development. Prices rose at a relatively low level and the interest rate of banks exceeded the price increase. The rate cut has the following two characteristics: