| The investment-linked insurance has been developing since it was produced. For the moment, it has become one of the mainstream of life insurance coverage in the European and North American countries. During the13years since the investment-linked insurance was produced in China, it underwent two disturbances, alternately at the peak and trough. The investment-linked insurance has been developing since it was produced. By the end of2012, the total number of investment-linked life investment products being sold is28in china. Furthermore, there are many life insurance companies are actively to the development of the investment-linked products. Visibly, Chinese life insurance is very bullish on the future development of the investment-linked insurance.This paper analyzes the demand and its influencing factors of the Chinese investment-linked insurance theoretically and empirically, Getting the factors and its influencing degree what affect the demands of the investment-linked life insurance considerably. On the other hand, get the information such as expected returns, investment horizon and so on from consumers after two disturbances through the questionnaire. And then put forward new improvement scheme by the above two aspects for improving its demands and prospective earnings.Due to the investment-linked insurance appearing an the end of1999in Chinese life insurance market, current research on the investment-linked insurance especially conducting empirical study with related data and contacting the product scheme is not so much. And the research has small time span, less data and is all time series analysis ignoring that the demand condition of investment-linked insurance is different in Chinese different parts. The paper analyzed the demands and its influencing factors of Chinese investment-linked insurance, conduct the panel data regression according to related data, verified the reliability of the factors, established regression model for analyzing the influence and degree of different factors for the demand of investment-linked insurance. And it designed questionnaires based on the demands of investment-linked insurance, then analyzed results and improving the product scheme, The CPPI strategy will be firstly introduced to the investment-linked insurance. And validating the feasibility of the product improvement scheme associating stock and bond markets according to the characteristics of investment-linked insurance, the results confirmed that the new scheme has more advantages. |
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