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1、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，在互联网上也冇所发展，近几年來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。木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课导销售。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
2、调整与改进。关键词：万能险；险企；高收益；合规性CompliancestudyofuniversalinsuranceABSTRACTWannengxianzaiwoguodefazhankeweifengshengshulqi,wulunshizaigerenqudao,yinbaoqudao,zaihulianwangshangyeyousuofazhan,jinjinidnldizaigegexianqlzhongwdnnQngxiansuozhandeblzhongyechixupansheng.firwannengxianjisudechengzhangmosh
3、izaiwoguobaoxianjlchushichangbuzhashidehuanjingxia,cunzaizhehendudwenti.BenwenduiwoguowannQngxiandefazhan11chengjixianzhuangzuolejianydojieshaoytifenxl,congwannengxiandechanpinjiaodu,goumaiquntijiaodujixiaoshouzhutijiaoduduiwannengxianshichangcunzaidewantizudlejutifQnxi,zhuyaobiaoxianweiw
4、annengxiandegaoshduyigeixianqidailaidexianqizlchanfuzhaifPngxian,hulUebaozhanggOngneng,jiaogaodetuibaofQngxianyijiciinzaiwudaoxiaoshou.Zhenduizhexie咤毗匚jianyigexianqishidangkongzhiwannengxiandefazhanguimo,wdnnQngxianchanpinkehuigulbaozhang,jiaqiangxuanchudnliduyijijiadashichangjianguanlid
5、u.UniversalinsurancedevelopmentinChinacanbedescribedasfast,bothintheindividualchannels,bankingchannels,theInternethasalsobeendevelopedinrecentyears,theproportionofuniversalinsurancecontinuestoriseineachoftheinsurancefirms.TheuniversalinsurancerapidgrowthmodeinChina'sinsurancemarketisnotas
6、olidbasisfortheenvironment,therearemanyproblems.Inthispaper,historyandcurrentdevelopmentofuniversalinsurancearebrieflyintroducedandanalyzedfromtheperspectiveofuniversalinsuranceproducts,buyinggroups,bodyangleandperspectiveofuniversalinsurancesalesmarketproblemswerespecificanalysis,mainlyf
7、orhighuniversalinsuranceliabilityriskinsurancefirms,insurancefirmstobringcapitalgains,ignoringthesecurityfunction,thehighertheriskofsurrenderandmisleadingsales-Tosolvetheseproblems,werecommendthatallinsurancefirmsproperlycontrolthescaleofdevelopmentofuniversalinsura
