基因科学时代寿险的swot分析及发展对策研究-保险专业论文.docxVIP

的应对新挑战。关键词：基因科学；人寿保险；发展对策 的应对新挑战。 关键词：基因科学；人寿保险；发展对策 万方数据 RESEARCH RESEARCH ON THE S-10T ANAI YS I S AND DEVELOPIIENT STRATEG l ES OF GENETlC SCIENCE TlI嘲ES LIFE I ABSTRACT With the development of gene technology,human beings gradually embrace a new era 1ed by genetic science and technology．Gene—related major diseases could be predicted and the clinical application of gene therapy also increase the possibility of longevity．The series of scientific and technological progress has extensive and profound influence to the life insurance industry．Personal access to their own genetic testing information will certainly cause the information asymmetry between the underwriter and policy-holder,adding to the adverse selection of life insurance market；And if the underwriter applies the gene technology in insurance underwriting，it will lead to the problem of the gene information privacy violation and gene discrimination of the applicant．It will have practical significance of the clear genetic technology to the development of life insurance，the influence of the sort of life insurance industry in the era of genetic science development train of thought in the future development of life insurance to provide coping strategies． This paper contains the method of SWOT to illustrate the influence of life insurance by the application of gene technology and scientific prediction of the life insurance industry for the future pattern,management pattern，the trend of the development of the life insurance products．According to the figure of SWOT matrix，targeted gene science times life insurance development strategies are listed as follows：life insurance companies strictly abide by the laws and regulations on the basis of making full use of genetic information advantages， strengthen product supply,reduce the adverse selection and operational risks；Legislative b砌ch should make laws scientifically and reasonably in order to effectively balance the contradiction between the insurer’S right to kno