投资型非寿险市场的展望及思考

Analysis and Prospect of Investment-Featured Non-Life Insurance Market

阐述了我国投资型非寿险产品产生和发展的过程,通过与日韩同类产品的对比,揭示了我国非寿险市场发展的独有特点,并针对我国市场特有的情况,探讨了稳健发展投资型非寿险产品的方法.最后得出结论:我国发展投资型非寿险产品一方面要借鉴日韩多样性、保障性优势;另一方面需慎重对待长期产品的开发,逐步发展投资型非寿险市场.

This paper analyzed the appearance and development of the investment-featured non-life insurance in China. We compared it with the products of the same kind in Japan and Korea and revealed the differences of the market among these three countries. To the specialities of the market, we discussed the way of developing non-life insurance in our country. We draw a conclusion that on one hand, we should learn from Japan and Korea for the characteristics of diversity and indemnificatory ; on the other hand, we should beware the introduction of the longterm products and develop the investment-featured non-life insurance market step by step.