我国投资连结保险发展问题分析及解决对策分析-analysis of development problems and countermeasures of investment linked insurance in china.docxVIP

我国投资连结保险发展问题分析及解决对策研究 摘 要 投资连结保险是一种新型的保险品种 与传统保险不同的是它 在具备保障功能的同时也具有投资理财的功能 由于此险种不受市 场利率波动的影响 而且与证券市场联系紧密 有较好的投资价值 因而自推出日起就受到了保险公司和消费者的共同青睐 目前在英 美等发达国家的寿险市场占据了近一半的市场份额 中国大陆推出投资连结保险是历史的必然 该险种一方面可以 为保险公司规避利率风险 解决传统保险长期以来利差损的问题 另一方面可以满足消费者日益增长的差异化的保障和投资需求 有 着良好的发展前景 但险种推出至今遇到的诸多问题又阻碍了它的 发展 如何解决这些问题 对于投资连结保险在中国未来的发展非 常有意义 本论文从投资连结保险的历史出发 通过对国外投资连结保险 发展的研究 结合国内保险市场和投资环境状况 对我国投资连结 保险发展中存在的问题进行了分析 并分别针对宏观环境 监管部 门 保险公司内部管理 代理人管理 投资渠道建设等方面提出一 些有建设性的解决问题的对策 最后应用统计调查方法 探讨了投 资连结保险在国内保险市场未来的发展前景 关键词 投资连结保险 问题 解决对策 前景 ON PROBLEMS OF UNIT LINKED INSURANCE DEVELOPING IN CHINA AND HOW TO SOLVE THESE PROBLEMS ABSTRACT Unit linked insurance has become an increasingly important and attractive alternative to traditional forms of insurance. It offers the interesting option of combining the protection and tax advantages of insurance with the attractive prospects of investing in securities. Today unit linked insurance has a nearly half share in life insurance market in the United States and the United Kingdom. It is a historic necessity for China to develop unit linked insurance. The most important thing is to shun the risk of interest rate. The unit linked market is considered to have favorable prospects for future growth in China. But it is a pity that unit linked insurance brings many problems after it appeared in China. How to solve these problems is necessary for it’ s long-term development. In this article, some constructive solutions were found to solve these problems, including exterior environment, supervisory department, management of insurance companies and agents, etc. All these will be helpful to the future development of unit linked insurance in China. In the end, the prospects of unit linked insurance in China were discussed by the method of statistics and investigations. KEYWORDS: Unit linked insurance, problems, solutions, prospects 上海交通大学 学位论文原创性声明 本人郑重声明 所呈交的学位论文 是本人在导师的指导下 独立进行研 究工作所取得的成果 除文中已经注明引用的内容外 本论文不包含任何其他 个人或集体已经发表或撰写过的作品成果 对本文的研究做出重要贡献的个人 和集体 均已在文中以明确方式标明 本人完全意识