企业年金基金配置投资型保险产品研究  

Study on the Enterprise Annuity Fund's Assets Allocation in Insurance Products Investment

作　　者：阳义南[1] 陈景堃[1] 张嘉晔 

机构地区：[1]华南理工大学公共管理学院

出　　处：《财政科学》2017年第3期66-75,共10页Fiscal Science

摘　　要：《企业年金基金管理办法》允许企业年金配置万能险、投连险等投资型保险产品,但迄今为止企业年金仍未配置保险类投资工具。本文分析了投资型保险产品作为企业年金投资工具的可行性及其独特优势,进而分析发现企业年金基金配置投资型保险产品存在被保险人不明确、保单有效性不足、投保流程缺位等主要障碍,以及管理成本高、不能完全增值、流动性受限等困难。针对这些障碍和困难,本文从职工、企业、保险公司、政府四个方面提出解决的对策与建议,以及配置投资型保险产品的四阶段实施路径。The ＂Management Approach of Enterprise Annuity Fund ＂ allows the enterprise annuity fund to invest in investment insurance products such as Universal Insurance, Investment Linked Insurance. But as so far, the enterprise annuity fund is still not allowed to invest in investment-oriented insurance products. This pa-per analyzes the reasons why the fund does not invest in the investment insurance products, finds that the main obstacles are ambiguous insured, unclearful guarantee slip and undefined legal process,and the main difficulties are high cost, low earnings and illiquid securities. At last, according to these obstacles and difficulties, this article offers some proposals to solve the above questions from four participants-workers, enterprises, insurance companies and government, and suggests the enterprise annuity to invest in these insurance products in a four-stages path.

关 键 词：企业年金 投资型保险产品 万能险 投资连结险 

分 类 号：F842.6[经济管理—保险]