万能险的市场选择研究

发布时间：2018-03-29 23:33

本文选题：万能险　切入点：投资型寿险产品　出处：《保险研究》2017年02期

【摘要】：从"宝万之争"到前海人寿万能险的产品销售被叫停,一时间关于万能险的各种新闻不断,其中多有负面不理解之处。为了厘清人们对万能险的种种误解,本文从我国投资型寿险产品出现的背景及万能险的特点出发,结合目前我国居民家庭财富积累现状和理财需求偏好,从居民需求、新成立的中小型寿险公司、资本市场三方面论证万能险的"热销"是市场选择的结果。万能险深受消费者欢迎,至少截至当前消费者利益并未受到损害。因此,解决"万能险乱象"的正途是市场必须提供更多能满足消费者需求的产品,监管和市场都应以满足消费者需求、保护消费者利益为重。本文得出万能险是保险市场随着经济发展到一定阶段市场选择的产物等结论,建议在监管规范指引下大力发展万能险。
[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.
【作者单位】：中国人民大学财政金融学院/中国人民大学中国保险研究所/中国人民大学中国财政金融政策研究中心;中国人民大学财政金融学院;
【基金】：中国保险学会教保人身保险高校课题研究基金资助课题(课题编号:jiaobao2016-10)
【分类号】：F842.6

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