本文選題：萬能險(xiǎn)　切入點(diǎn)：投資型壽險(xiǎn)產(chǎn)品　出處：《保險(xiǎn)研究》2017年02期

【摘要】：從"寶萬之爭(zhēng)"到前海人壽萬能險(xiǎn)的產(chǎn)品銷售被叫停,一時(shí)間關(guān)于萬能險(xiǎn)的各種新聞不斷,其中多有負(fù)面不理解之處。為了厘清人們對(duì)萬能險(xiǎn)的種種誤解,本文從我國(guó)投資型壽險(xiǎn)產(chǎn)品出現(xiàn)的背景及萬能險(xiǎn)的特點(diǎn)出發(fā),結(jié)合目前我國(guó)居民家庭財(cái)富積累現(xiàn)狀和理財(cái)需求偏好,從居民需求、新成立的中小型壽險(xiǎn)公司、資本市場(chǎng)三方面論證萬能險(xiǎn)的"熱銷"是市場(chǎng)選擇的結(jié)果。萬能險(xiǎn)深受消費(fèi)者歡迎,至少截至當(dāng)前消費(fèi)者利益并未受到損害。因此,解決"萬能險(xiǎn)亂象"的正途是市場(chǎng)必須提供更多能滿足消費(fèi)者需求的產(chǎn)品,監(jiān)管和市場(chǎng)都應(yīng)以滿足消費(fèi)者需求、保護(hù)消費(fèi)者利益為重。本文得出萬能險(xiǎn)是保險(xiǎn)市場(chǎng)隨著經(jīng)濟(jì)發(fā)展到一定階段市場(chǎng)選擇的產(chǎn)物等結(jié)論,建議在監(jiān)管規(guī)范指引下大力發(fā)展萬能險(xiǎn)。
[Abstract]:From the "battle of Bao Wan" to the suspension of the product sales of Qianhai Life Universal Insurance, at one time there was a continuous variety of news about universal insurance, many of which were not understood in a negative way. In order to clarify people's misunderstandings of universal insurance, Based on the background of the emergence of investment life insurance products in China and the characteristics of universal insurance, combined with the current situation of household wealth accumulation and the preference of financial needs, this paper starts from the needs of residents, the newly established small and medium-sized life insurance companies. The three aspects of the capital market demonstrate that the "hot selling" of universal insurance is the result of market choice. Universal insurance is very popular with consumers, at least so far consumer interests have not been harmed. The right way to solve the problem of "universal risk disorder" is that the market must provide more products that can meet the needs of consumers, and both the regulation and the market should meet the needs of consumers. This paper draws the conclusion that universal insurance is the product of market choice in insurance market with the development of economy, and suggests to develop universal insurance under the guidance of supervision and regulation.
【作者單位】： 中國(guó)人民大學(xué)財(cái)政金融學(xué)院/中國(guó)人民大學(xué)中國(guó)保險(xiǎn)研究所/中國(guó)人民大學(xué)中國(guó)財(cái)政金融政策研究中心;中國(guó)人民大學(xué)財(cái)政金融學(xué)院;
【基金】：中國(guó)保險(xiǎn)學(xué)會(huì)教保人身保險(xiǎn)高校課題研究基金資助課題(課題編號(hào):jiaobao2016-10)
【分類號(hào)】：F842.6

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本文編號(hào)：1683379