| 投资连结保险产品设计及推广分析 |
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| 引用本文： | 秦蓉蓉,江裕棠.投资连结保险产品设计及推广分析[J].保险研究,2009(5). |
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| 作者姓名： | 秦蓉蓉 江裕棠 |
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| 作者单位： | 广东金融学院保险系;中国保险监督管理委员会广东监管局; |
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| 摘 要： | 投资连结保险的产品设计独特,将其保障功能与投资功能分开,一方面为消费者提供了调整保险和投资计划的便利,另一方面也使之与资本市场的走势密切相关。我国寿险市场上的供给方存在资本市场繁荣时过多引导消费者关注投资收益,边缘化其保险功能的问题;需求方则由于对投资连结保险产品收益的刚性预期,不能接受产品收益下降的情况。两方面共同的结果是导致投资连接保险成为寿险市场上的不稳定因素。为促使投资连接保险在我国的健康发展,应当强调投资连接保险的保障功能;针对销售导向进行实质的约束;利用税收对市场进行引导等。
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| 关 键 词： | 投资连结保险 认识 发展 |
General situation of unit-linked insurance in China's insurance market |
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| Qin Rong-rong,Jiang Yu-tang.General situation of unit-linked insurance in China's insurance market[J].Insurance Studies,2009(5). |
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| Authors: | Qin Rong-rong Jiang Yu-tang |
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| Abstract: | The product design of unit-linked life insurance is unique with separating its protection function from its investment function to provide the convenience of adjusting insurance and investment plan for consumers on the one hand,and to make unit-linked life insurance closely related to the trend of the capital market on the other hand.The supply side of China's life insurance market excessively highlights its investment function to consumers while marginalizing its protection function when the capital market... |
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| Keywords: | unit-linked insurance perception development |
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