我国万能险的现状及存在的问题分析.doc

我国万能险的合规性研究 摘要 万能险在我国的发展可谓风生水起，无论是在个人渠道，银保渠道，在互联网上也有所发展，近几年来在各个险企中万能险所占的比重也持续攀升。而万能险急速的成长模式在我国保险基础市场不扎实的环境下，存在着很多问题。 本文对我国万能险的发展历程及现状作了简要介绍与分析，从万能险的产品角度、购买群体角度及销售主体角度对万能险市场存在的问题作了具体分析，主要表现为万能险的高收益给险企带来的险企资产负债风险、忽略保障功能、较高的退保风险以及存在误导销售。针对这些问题，建议各险企适当控制万能险的发展规模、万能险产品可回归保障、加强宣传力度以及加大市场监管力度等方向来进行调整与改进。 关键词：万能险；险企；高收益；合规性 Compliance study of universal insurance ABSTRACT Wànnéng xiǎn zài wǒguó de fǎ zhǎn kěwèi fēng shēng shuǐ qǐ, wúlùn shì zài gèrén qúdào, yín bǎo qúdào, zài hùliánwǎng shàng yěyǒu suǒ fāzhǎn, jìn jǐ niánlái zài gège xiǎn qǐ zhōng wànnéng xiǎn suǒ zhàn de bǐzhòng yě chíxù pānshēng. ér wànnéng xiǎn jísù de chéngzhǎng móshì zài wǒguó bǎoxiǎn jīchǔ shìchǎng bù zhāshi de huánjìng xià, cúnzàizhe hěnduō wèntí.Běnwén duì wǒguó wànnéng xiǎn de fǎ zhǎn lìchéng jí xiànzhuàng zuòle jiǎnyào jièshào yǔ fēnxī, cóng wànnéng xiǎn de chǎnpǐn jiǎodù, gòumǎi qúntǐ jiǎodù jí xiāoshòu zhǔtǐ jiǎodù duì wànnéng xiǎn shìchǎng cúnzài de wèntí zuòle jùtǐ fēnxī, zhǔyào biǎoxiàn wèi wànnéng xiǎn de gāo shōuyì gěi xiǎn qǐ dài lái de xiǎn qǐ zīchǎn fùzhài fēngxiǎn, hūlüè bǎozhàng gōngnéng, jiào gāo de tuì bǎo fēngxiǎn yǐjí cúnzài wùdǎo xiāoshòu. Zhēnduì zhèxiē wèntí, jiànyì gè xiǎn qǐ shìdàng kòngzhì wànnéng xiǎn de fǎ zhǎn guīmó, wànnéng xiǎn chǎnpǐn kě huíguī bǎozhàng, jiāqiáng xuānchuán lìdù yǐjí jiā dà shìchǎng jiānguǎn lìdù. Universal insurance development in China can be described as fast, both in the individual channels,banking channels, the Internet has also been developed in recent years, the proportion of universal insurance continues to rise in each of the insurance firms. The universal insurance rapid growth mode in Chinas insurance market is not a solid basis for the environment, there are many problems. In this paper, history and current development of universal insurance are briefly introduced and analyzed from the perspective of universal insurance products, buying groups, body angle and perspective of universal insurance sales market problems were