论我国投资连结险发展策略.docVIP

内容摘要：投资连结保险是一种寿险与投资相结合的新型寿险产品，一份投连险相当于一份定期寿险加投资回报，并且由客户完全承担投资的收益和风险。本文阐述投资连结保险的定义及其特点，投资连结保险产生的背景，投资连结保险的发展历程：从刚进入市场的火热，到中期问题频频出现的冷淡，再到后来行业规范了的缓慢复苏。描述了我国现阶段投资连结险产品的发展状况，发现其现阶段存在的问题：销售人员的专业水准有待提高；未能建立高效的投资组合；投资连结保险产品无保底收益，投保人需独自承担全部的投资风险；投资连结保险产品保单的设计滞后于发达国家。然后提出适合我国现阶段投资连结险的发展的若干建议：打造专业的投资连结保险销售团队，寻求专业机构销售支持；完善我国证券市场，进一步拓展我国保险资金的运用渠道；加快变额年金保险的推出步伐；投资连结保险保单设计逐步与国际接轨。最后对我国投资连结保险市场发展展望。 关键词：投资连结保险 现状分析 发展策略 Abstract：Investment linked insurance is a new insurance products for life insurance and investment combination, a cast even insurance is equivalent to a regular life insurance and investment return, and by the customer fully bear the investment risk and return. In this paper, the definition and characteristics of the investment linked insurance, investment linked insurance background, development course of investment linked insurance: from entering the market fiery, to the medium-term problems appear indifferent, then to a slow recovery later industry standard. Describes the development situation of investment linked insurance products in China at the present stage, find the existing problem of the present stage: to improve sales staff professionalism; failed to establish efficient portfolio; investment linked insurance products without insurance proceeds, the applicant should bear all investment risks; design of investment linked insurance policy lag in the developed countries. And then puts forward some suggestions for the development of risk investment in our country at the present stage of the link: to create a professional investment linked insurance sales team, seek professional agency sales support; to improve Chinas securities market, further expand the channels for the use of insurance funds in our country; accelerate the Variable Annuity Insurance up the pace of investment linked insurance; insurance policy design step by step with international standards. Finally the prospect of the development of the insurance market investment