Research On The Development Of Investment Life Insurance In China

China's investment-based life insurance Since 1999,China Ping An Insurance Company in Shanghai launched China's first investment-"Century Financial Investment Link Insurance" so far,only 18 years of history.Investment-based life insurance has experienced from hot to cold and then to the outbreak of the process,cause for concern.Nowadays,it is an important stage of China's investment-type life insurance to open up the market.Whether it is from its functional innovation or the future development trend and guidance of the global insurance market,the degree of investment life insurance will be gradually improved.Investment-type life insurance has enriched the composition of China's insurance market,supplemented the vacancies in China's investment and financial products market,accelerated the innovation of the insurance industry,promoted the integration of insurance business and capital market,defused the risk of loss of insurance industry,The internationalization of the insurance industry.But in the extensive development process,insurance companies and consumers did not sum up lessons from previous events.Insurance companies only pursue investment-type life insurance products,high yield,in order to immediate interests,blind expansion of market premium scale,do not pay attention to product risk and marketing object targeted,regardless of the consequences of the introduction of products.These issues need to draw the attention and reflection of customers,insurance companies and regulators.This article will be from the product definition,function,the life insurance companies to further develop products,customers the right to buy and select such products and regulatory supervision of effective recommendations.The first chapter contains the research purpose,significance,research status at home and abroad,and the research content and research methods of this paper.The second chapter elaborates the related concepts and basic theories of investment life insurance products,summarizes the difference between them and traditional safeguard products,and analyzes the significance of the introduction and development of investment life insurance.The third chapter describes the development of investment-based life insurance and China's financial market,legal system,regulatory system needs to improve and improve the background,the fourth chapter according to the actual situation analysis of investment life insurance development process problems.Such as:the phenomenon of serious surrender,regulatory backwardness,irregular operation and lag of laws and regulations and other issues.Among them,there are controversial hot issues:the protection of the rights and interests of the insured,the optimization of the use of insurance funds,the choice of investment strategies and the improvement of profitability,the development and supervision of investment life insurance products,the normal and orderly market competition and development and security and investment Function of the relationship.Chapter 5 analyzes and draws lessons from the experience of developed countries and is used to study and analyze relevant problems in China.Chapter 6 puts forward reasonable countermeasures and suggestions for the problems and the development of the next step.