寿险产品成本与收益的比较评价指标研究——基于消费者视角

A Study on the Comparison and Valuation Index System for Life Insurance Products' Cost and Return: From the Consumer's Perspective

目前国内从消费者角度对寿险产品进行比较研究及相关应用较少,迫切需要真正站在消费者利益角度,建立一套寿险产品的比较评价指标体系,以促进国内寿险业的理性发展。保险产品核心功能体现在三个方面:风险保障、投资理财和其他服务功能,本文从消费者角度,着重从风险保障和投资理财功能方面对寿险产品进行成本收益量化比较研究,建立一套寿险产品比较评价指标体系,并以市场上的畅销产品为例进行比较评价应用,以助消费者理性购买寿险产品。

Few studies have been done regarding comparison and valuation of life insurance products from the con- sumer＇ s perspective in China. It is urgent to establish an index system of comparison and valuation of life insurance products truly from the point of view of consumers in order to speed up the rational development of Chinese life in- surance industry. The core functions of life insurance products are risk protection, financial planning, and other serv- ices. In this paper we tried to do some quantitative and comparative study on the cost and return of life insurance products ,based on their ＇core functions of risk protection and financial planning. We applied the index system for comparing and valuating life insurance products to compare the popular products on the market and hoped to help consumers make their choices.