The Research On The Legal Issues Of Investment-oriented Life Insurance In China

The emergence of investment-oriented life insurance is a product of financial development and financial innovation.China has officially launched investment-oriented life insurance products for less than two decades.From the initial sales to stagnation to the current prosperity,investment personal insurance has already occupied an important market position in China's insurance market,and the supervision of investment-oriented life insurance has certainly become an important area of concern for the supervision of the insurance industry in China.In this article,the author takes “What is investment-oriented life insurance?” and“Why should it be supervised?” and “How to regulate?” as the main context and is divided into four major chapters to study the legal issues of investment-oriented life insurance supervision:The first chapter is an overview.The author describes the definition of investment-oriented life insurance,and introduces and compares the three types of investment-based personal insurance products: dividend insurance,investment-linked insurance,and universal insurance.On this basis,the author further discusses the necessity of the supervision of investment-oriented life insurance.The second chapter is a summary and analysis of the supervision experience of overseas investment-based personal insurance.The author selects the United States,the United Kingdom,and the Taiwan region of China as the research object and conducts a summary analysis of the supervision of their respectiveinvestment-oriented life insurance supervision on the application of legal norms and the setting of regulatory bodies and provides a feasible reference for the improvement of the investment-based personal insurance regulation in China.The third chapter is the assessment of the status quo of China's investment-based life insurance supervision.It shows that there are still some problems in our country's investment-based life insurance supervision,such as the lack of legal supervision,the difficulty of supervision,the lack of supervision department's lack of awareness of reform,the serious lag of supervision and the legitimate rights and interests of the insured,and so on.And then to pave the way for the subsequent targeted recommendations.The fourth chapter is the recommendations of improving China's investment-based life insurance supervision.On the basis of the foregoing discussion,the author draws lessons from the mature regulatory experience of countries and regions outside the country,and puts forward specific suggestions on the establishment and supplement of the regulatory body of China's investment-oriented life insurance,the effective supervision of China's investment-based life insurance companies and insurance intermediary organizations,and the protection of the legitimate rights and interests of policyholders.