国际寿险产品发展趋势及设计原理  

Development Trend of International Life Insurance Products and the Design Theory

作　　者：刘璐[1] 张晗[1] 

机构地区：[1]东北财经大学金融学院,辽宁大连116025

出　　处：《长春大学学报》2016年第9期31-37,共7页Journal of Changchun University

基　　金：辽宁省教育厅人文社会科学重点研究基地专项项目(ZJ2014047);辽宁省教育厅人文社会科学项目(W2013212);辽宁省社会科学规划基金项目(L09DJY105)

摘　　要：在利率频繁变动、通货膨胀加剧、金融机构之间竞争深化、全球寿险市场发展的大背景下,交易成本低、更加透明和灵活性更高的新型寿险产品应运而生。文章介绍了动态混合产品、权益指数年金、投资连结年金及次级年金等新型寿险产品及其设计原理,并提出了我国应着力发展税收递延型养老保险、开发抵御通货膨胀和兼具投资与保障的创新型寿险产品等策略。Under the big background of vulnerable interest rate, increasing inflation and stormy competitions between financial institu- tions, as well as the development of global life insurance markets, kinds of new life insurance products with the characteristics of lower transaction cost, more transparency and more feasibility come out. This paper analyzes four kinds of new insurance products and their design theory, including dynamic mixed products, equity-indexed annuity, investment-based annuity and subordinated annuity, fur- thermorc, it puts forward some measures such as focusing on tax-deferred endowment insurance products and developing innovative life insurance products with the functions of both resisting inflation and covering investment and guarantee.

关 键 词：动态混合产品 投资连结年金 权益指数年金 次级年金 产品设计 

分 类 号：F840.4[经济管理—保险]