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自 2 0 0 0年以来 ,投资型寿险产品在我国获得了超常规发展 ,取得了可观的市场业绩。然而 ,投资型寿险产品恰似一把收益和风险并存的“双刃剑”,其适用性表现在 :它适应了消费者日益增长的投资需求 ,能给寿险公司带来经营管理、防范利率风险等多方面的效益。其局限性表现在 :潜藏着较大的个人代理人风险、资产管理风险、引发金融风险等。建议在我国大力发展分红保险 ,在经济相对发达地区可试点投资连结保险和万能寿险。
Since 2000, investment-based life insurance products have achieved extraordinary development in our country and achieved impressive market performance. However, investment-based life insurance products are like a “double-edged sword” with both income and risk coexisting. The applicability of investment-type life insurance products is that it adapts to the ever-increasing investment needs of consumers, brings management to life insurance companies, and prevents interest rate risks Many benefits. Its limitations lie in: Latent large personal agent risk, asset management risk, triggering financial risks. Proposed to vigorously develop the dividend insurance in our country, the pilot economy in the relatively developed regions can be linked insurance and universal life insurance.