我国变额年金保险发展研究
发布时间：2018-08-24 12:25
【摘要】：变额年金保险作为寿险产品中的一款创新产品，最早产生于20世纪50年代的美国，目前在欧美市场上已成为主流产品。2011年，中国保监会正式启动变额年金保险试点。但在试点产品的销售过程中，却暴露出了诸如销售业绩不佳、投资收益不乐观等问题，这些问题既与保险产品门槛高，，较难满足消费者需求有关，也与资本市场低迷有关。 在此背景下，本文针对变额年金保险试点两款产品进行对比分析，找出表现出来的几个重要问题和产生该问题的原因，据此分析制约我国变额年金发展的因素，提出税收政策、资本市场、监管部门和消费者四个外部因素和保险公司产品定价、保险资金运用和销售管理三个内部因素制约着我国变额年金保险的发展。同时，本文还参考了美国和日本变额年金保险的发展经验，找到值得我国借鉴的方面。在此基础上，主要从外在建立适合变额年金保险发展的税收制度、完善资本市场、提高监管质量和服务、重视消费者教育和内在加强定价风险管理、拓宽保险资金运作渠道，注重保险公司人才队伍建设共七个方面提出了我国变额年金保险的发展对策。
[Abstract]:Variable annuity insurance, as an innovative product of life insurance products, was first produced in the United States in the 1950s and has become a mainstream product in the European and American markets. In 2011, the China Insurance Regulatory Commission officially launched the pilot project of variable amount annuity insurance. However, in the process of selling the pilot products, problems such as poor sales performance and low investment returns are exposed. These problems are related to the high threshold of insurance products and the difficulty in meeting consumer demand, as well as to the low capital market. Under this background, this article carries on the contrast analysis to the variable amount annuity insurance pilot two products, finds out several important problems and causes of the problem, then analyzes the factors that restrict the development of the variable annuity in our country, and puts forward the tax policy. Four external factors, capital market, supervision department and consumer, as well as three internal factors of insurance company's product pricing, insurance fund utilization and sales management, restrict the development of variable value annuity insurance in China. At the same time, this paper also refers to the development experience of variable annuity insurance in the United States and Japan, and finds out the aspects that our country can use for reference. On this basis, we mainly establish a tax system suitable for the development of variable annuity insurance externally, perfect the capital market, improve the quality and service of supervision, attach importance to consumer education and internal strengthening of pricing risk management, and broaden the operating channels of insurance funds. This paper puts forward the development countermeasures of variable annuity insurance in China from seven aspects, focusing on the construction of insurance personnel.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.629
本文编号：2200812
[Abstract]:Variable annuity insurance, as an innovative product of life insurance products, was first produced in the United States in the 1950s and has become a mainstream product in the European and American markets. In 2011, the China Insurance Regulatory Commission officially launched the pilot project of variable amount annuity insurance. However, in the process of selling the pilot products, problems such as poor sales performance and low investment returns are exposed. These problems are related to the high threshold of insurance products and the difficulty in meeting consumer demand, as well as to the low capital market. Under this background, this article carries on the contrast analysis to the variable amount annuity insurance pilot two products, finds out several important problems and causes of the problem, then analyzes the factors that restrict the development of the variable annuity in our country, and puts forward the tax policy. Four external factors, capital market, supervision department and consumer, as well as three internal factors of insurance company's product pricing, insurance fund utilization and sales management, restrict the development of variable value annuity insurance in China. At the same time, this paper also refers to the development experience of variable annuity insurance in the United States and Japan, and finds out the aspects that our country can use for reference. On this basis, we mainly establish a tax system suitable for the development of variable annuity insurance externally, perfect the capital market, improve the quality and service of supervision, attach importance to consumer education and internal strengthening of pricing risk management, and broaden the operating channels of insurance funds. This paper puts forward the development countermeasures of variable annuity insurance in China from seven aspects, focusing on the construction of insurance personnel.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.629
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