万能险成为股市配资新模式的情况及案例分析

Investigation and a Case Study of Universal Life Insurance:a New Model of Stock Market Margin Financing

今年初,万能险作为股市配资的新模式引起了业界的广泛关注。本文对万能险的起源、产品演变及成为股市配资新模式的情况进行了系统梳理,并通过前海人寿公司案例剖析了万能险理财产品参与股市配资的四大风险,在此基础上提出了几点政策建议。

Early in this year, universal life insurance raised broad attention as a new model of stock market margin financing. This article summarizes the origin and the evolution of universal life insurance and also investigates the newly situation as a new model of stock market margin financing. This article takes Qianhai Life Insurance Company as a case to study the risks of universal life insurance attending stock market margin financing, and accordingly gives some realistic advises.