关于投资型寿险产品回归保险理念的认识——日本投资型寿险产品的启示  

Awareness of Investment-Based Life Insurance Products Regressing to Insurance Concepts——An Enlightenment from Japanese Investment-Based Life Insurance Products

作　　者：邓谷亮[1] 

机构地区：[1]保险职业学院,湖南长沙410114

出　　处：《保险职业学院学报》2010年第6期47-49,共3页Journal of Insurance Professional College

摘　　要：战后日本寿险业随其经济的高速增长获得了快速发展。然而,伴随着经济泡沫的破灭,日本股市下滑,投资型寿险产品的销量和收益率下降。泡沫经济对投资型寿险产品的影响是直接的,具体体现在投资损失、连带损失、资产贬值等。其经验教训值得中国保险业引以为鉴,要回归保险理念,强化风险管理,调整市场结构,规范保险市场。The Japanese life insurance got a fast development with its rapid economic growth. However,with the economic bubble,and Japanese stock market＇s decline,the investment pattern of life insurance product also declined in sales and the yield rate. The influence of bubble economy on the investment products is direct,which is specifically embodied in the investment loss,damage,asset depreciation ,etc. It is worth for Chinese insurance industry to learn a lesson from its experience. Thus,we should return to the concept of insurance,strengthen the risk management,adjust the market structure and standardize the insurance market.

关 键 词：投资型寿险产品 保险产品 保障功能 风险管理 保险监管 

分 类 号：F84[经济管理—保险]