论我国投资连结险发展策略

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1、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㈣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竹景，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W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:销兽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W家

2、。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W证券市场，进一步拓展我W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W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：Investmentlinkedinsuranceisanewinsuranceproductsforlifeinsuranceandinvestmentcombination,acastevenins

3、uranceisequivalenttoaregularlifeinsuranceandinvestmentreturn,andbythecustomerfullybeartheinvestmentriskandreturn.Inthispaper,thedefinitionandcharacteristicsoftheinvestmentlinkedinsurance,investmentlinkedinsurancebackground,developmentcourseofinvestmentlinke

4、dinsurance:fromenteringthemarketfiery,tothemedium-termproblemsappearindifferent,thentoaslowrecoverylaterindustrystandard.DescribesthedevelopmentsituationofinvestmentlinkedinsuranceproductsinChinaatthepresentstage,findtheexistingproblemofthepresentstage:toim

5、provesalesstaffprofessionalism;failedtoestablishefficientportfolio;investmentlinkedinsuranceproductswithoutinsuranceproceeds,theapplicantshouldbearallinvestmentrisks;designofinvestmentlinkedinsurancepolicylaginthedevelopedcountries.Andthenputsforwardsomesug

6、gestionsforthedevelopmentofriskinvestmentinourcountryatthepresentstageofthelink:tocreateaprofessionalinvestmentlinkedinsurancesalesteam,seekprofessionalagencysalessupport;toimproveChina'ssecuritiesmarket,furtherexpandthechannelsfortheuseofinsurancefundsinou

7、rcountry;acceleratetheVariableAnnuityInsuranceupthepaceofinvestmentlinkedinsurance;insurancepolicydesignstepbystepwithinternationalstandards.FinallytheprospectofthedevelopmentoftheinsurancemarketinvestmentlinkedChina.situationanalysisKeywords:investment-lin

8、kedinsurancedevelopmentstrategy一、投资连结保险的定义与特点4二、我国投资连结保险产生的背景及其发展历程7（一）投资连结保险产生的背景7（二）投资连结保险的发展历程8三、目前我国投资连结保险存在问题11四、完善我国投资连结保险的若干对策12五、我国投资连结保险市场发展展望13参南犬H论我国投资连结险发展策略一、投资连结保险的定义与特点投资连结保险（简称投连险）定义为包含