The Research On Development Of Chinese Participating Insurance

Since 1999, China life insurance market has been developing Insurance with investing function. Although it appears from the latest 5 or 6 years, Participating insurance has been the hottest soled insurance product in China now. It takes up nearly a half proportion of the Insurance revenue. Actually, people mistake participating insurance in the function of it and highly expectation of the profit. Therefore, the treatise help the client understand and comprehend participating insurance by analysis on it.The first part of the treatise emphasizes on the concept of Participating insurance product. It mainly discussed 3 questions: First, Participating insurance is not the insurance with participating;Second, the clients who buys the participating insurance are not equaled as the shareholder of the joint-stock company;Third, in the operational process of it, the premium of participating insurance is not all counted in the investment account of insurance.The second part of the treatise analysis on the development of participating insurance in China. It takes up nearly a triplicate proportion of insurance product and a large part of Insurance revenue. Next, the treatise discussed the reason of the rapidly development of participating insurance.The third part of the treatise analysis on the demand of insurance and summarizes that people need the guarantee insurance in China at the present time. Then the writer finds 3 examples of insurance policy and compares every one in the structure of the policy. We find that the guarantee function of Participating insurance is very poor, which didn't regressed the essence of it. If we take it as an instrument of investment, the profit is also very low. The next part questioned the two selling channels of participating insurance. Why are so many people eager to buy participating insurance which exits much disadvantages? Writer tells us the reason in the later part of the treatise.The forth part of compared the background of Participating insurance, source of profit, the apportionment of the profit, the illogical structure of insurance revenue. The purpose is to help the client understand participating insurance.The fifth part is the summary of the trend of participating insurance. Insurance company could decrease the proportion of the revenue of participating insurance.