非寿险投资型保险产品开发的经验、问题和对策——从资金运用角度出发的思考

The Experiences,Problems and Countermeasures of Development of Chinese Investment-style Nonlife Insurance Products:From the Perspective of Capital Operating

非寿险投资型产品是带有投资性质的非寿险保险产品。现阶段,大力发展非寿险投资型产品是满足多样化金融需求,做大做强非寿险业的客观需要。目前,我国非寿险投资型产品起步晚,规模小,发展很不充分。针对发展过程中的经验教训和出现的问题,应从增加资金运用透明度、提高资金运用专业化、创新产品开发机制等方面采取措施,促进非寿险投资型产品迅速发展。

Developing investment-style nonlife insurance products is necessary to meet various financial needs and to strengthen nonlife insurance companies.Presently Chinese investment-style nonlife insurance product is still underway.We should learn something from the previous experiences and lessons.In future,something should be done to fasting development of investment-style nonlife insurance products,such as improving the transparency and specialization of capital operation,innovating product design and etc.