浅析商业保险个人理财规划中的道德风险

Superficial Analyses on Moral Risks of Business Insurance in Individual Financing Design

目前,国内个人理财规划市场方兴未艾,客户的理财需求日益增长·作为一种重要的理财方式,我国商业保险市场这些年发展迅速·保险理财由于融合了风险保障和理财的双重功能,而被很多人认为是一场理财革命·商业保险提供个人理财规划服务是市场竞争的必然结果·但随之而来的道德风险也越来越大,甚至影响了个人理财和保险业的正常开展·深入剖析商业保险个人理财规划中道德风险的表现以及成因,并在此基础上提出了切实可行的防范措施以防范道德风险的发生·

At present, individual financing design market is in the ascendant in our country, the client server＇s demands for financing go up increasingly. As an important financing means, business insurance market in our country develops rapidly these years. Insurance financing, which inosculates risk guarantee with financing, is regarded as a financing revolution. Business insurance, which offers individual financing de sign service, is an inevitable result of market competition. And greater risk comes after it, even affects carrying out individual financing and insurance normally. This paper gives clear analyses to moral risks＇ representation and causes of formation of individual financing design in business insurance and hereon put forward some feasible preventing measures to prevent moral risks from happening.