节点文献
中国人身保险产品发展方向研究
【作者】 曹勇；
【导师】 刘茂山；
【作者基本信息】 南开大学 ， 保险学， 2009， 博士
【副题名】保障性产品占主导地位是中国人身保险产品发展的大方向
【摘要】 保险产品是保险的基本元素,也是保险服务的集中体现。人身保险产品发展对于人寿保险业发展具有重要意义。从产品的保障与投资作用角度,可分为保障性和投资性两大类。在人身保险的发展中两类产品之间存在着协调发展关系,正确处理好两类人身保险产品的协调关系,对保险业的科学发展具有重要意义。本文致力于中国人身保险产品的产品结构及其发展方向研究,重点是从人身保险产品的保障性作用和投资性作用角度研究产品结构。主要包括:保障性人身保险产品与投资性人身保险产品的含义与相互关系;人身保险产品结构与保险企业、保险行业发展的关系;人身保险产品结构与经济发展、社会保障、金融市场、传统文化、消费习惯、风险意识等的发展关系;保障性人身保险产品的发展建议等。论文共分十章,由三大部分组成。第一部分由导论、第一章和第二章构成。导论部分对本文的研究背景、研究意义、研究方法等进行了概括说明。第一章基本理论部分,分析了人身保险本质理论、供求关系理论和科学发展理论。第二章人身保险产品的分类,在对人身保险产品一般分类方式进行分析后,提出了保障性产品、投资性产品的本文特殊分类标准,并明确提出了保障性产品占主导地位的含义。为本文之后的分析奠定了理论基础。第二部分由第三章、第四章、第五章、第六章、第七章构成。基于我国人身保险产品发展实践,分析发现目前行业存在“以投资性产品发展为主”的现象,并提出存在的问题,深入分析了经济发展、社会保障、金融市场、传统文化、消费习惯、保险意识与人身保险产品发展的关系,提出了我国人身保险产品的发展方向,即保障性产品占主导地位的主张。第三章提出目前行业存在“以投资性产品发展为主”的现象,这一现象造成保险市场供给与需求不匹配,并严重损害了保险行业发展的可持续性。第四章分析了我国经济发展状况及其对人身保险产品发展的影响,提出寿险、养老保险、医疗保险等保障性产品应是我国保险市场的主导产品。第五章分析了社会保障状况及其对人身保险产品发展的影响,社会养老保障为养老保险发展提供巨大空间,社会医疗保险“低水平”原则为商业医疗保险留出了巨大发展空间,农村缺乏社会保障为农村保障性产品发展创造优越条件。第六章分析了金融市场发展状况和对人身保险产品发展影响,我国保险业不适合过多大量发展投资性保险产品。第七章分析了传统文化、消费习惯、风险意识对人身保险产品发展的影响,不利于投资性产品发展。第三部分由第八章、第九章、第十章组成。此部分主要采用实证分析方法,对城镇养老保险、城镇健康保险、农村小额保障性人身保险的重点和难点业务进行了分析,并提出了发展建议。提出了农村小额保障性人身保险产品是重要发展方向,并创造性的提出了小额保障性人身保险发展的模式和产品方案建议。论文主要结论如下:1.无论从理论上,还是中国国情出发,中国人身保险产品发展应以保障性产品为主导,即以保障性产品为主,投资性产品为辅的产品发展结构。2.在国内保险市场上,当前现实情况是投资性产品占了主导地位,而保障性产品处于辅助地位,而且投资性产品还有进一步扩大的趋势,已经产生了一些系列问题。这种状况造成保险行业存在着严重的保险供给和需求的不匹配现象,严重损害了保险发展的可持续性。3.中国保险产品发展应扭转目前不合理的产品结构,朝着保障性产品为主导,投资性产品为辅助的方向发展。
【Abstract】 Insurance products are fundamental elements of insurance industry and reflection of insurance services, whose development has great significance to advance of life insurance industry. Based on two basic functions, protection and investment, insurance products can be divided into two categories: protection-oriented and investment-oriented. In the path of life insurance evolution, these two types of products have been developing a mutual relationship. Correctly dealing with this, is the key of scientific development of insurance industry.This paper aims to study products mix and development trend of China life insurance, especially from the two angles, protection and investment, emphasizing the products mix. Mainly includes: the meaning and relationship of the protection-oriented and investment-oriented life products; the mechanics of life products mix, development of industry and companies; the connection among life products mix, economic development, social security, financial market, traditional culture, spending habits and risk awareness; suggestion on protection-oriented life products development and so on.The paper can be divided into three parts which consists of ten chapters.The first part is divided into three chapters including the introduction, the basic theory and life products categories. The introduction generally describes the background, significance and methodology of this study. Chapter I the basic theory, analyzes the essential theory, supply and demand theory and the scientific development theory of life insurance. After general classification method analysis, Chapter II life products categories, introduces the special standard of this paper to differentiate between the protection-oriented and investment-oriented products and explicitly explains the significance of dominance of protection-oriented products. Part one lays a theoretical basis for the following analysis in this paper.The second part consists of five chapters from Chapter III to Chapter VII. Based on the development practice in China life insurance products, part three analyzes and brings the existing problems associated with the phenomenon of "the leading position of investment-oriented products" in current industry. It also has in-depth analysis of the connection between life products development with economic development, social security, financial markets, traditional culture, spending habits and risk awareness. Based on the above analysis, it suggests a developing trend of China life products, which is "the leading position of protection-oriented products". Chapter III brings out the phenomenon of "the leading position of investment-oriented products", which leads to the inequality between supply and demand and seriously undermined the sustainability of insurance industry development. Chapter IV analyzes the economic development in China and its impact on the life products development, and states that life, pension and health insurance products which are protection-oriented should be dominant products. Chapter V analyzes the situation of social security and its impact on the life products development. Social pension insurance provides huge space for pension insurance development, while the "low level" principal of social medical insurance provides huge space for commercial health insurance development. The lack of social security also creates favorable conditions for development of protection-oriented products in rural areas. Chapter VI analyzes the financial market development and its impact on life products, which appears unsuitable to over develop investment-oriented products in China market. Chapter VII analyzes the impact of traditional culture, spending habits and risk awareness on life products development, which is also unfavorable to investment-oriented products.The third part consists of three chapters from Chapter VIII to Chapter X. This section, using empirical analysis, mainly analyzes important and difficult businesses with urban pension insurance, urban health insurance and rural small-scale protection-oriented life products and provides suggestions on their developments. Rural small-scale protection-oriented life products are the future development trend, of which it creatively presents the development mode and product design proposals.The main conclusions of this paper are as follows:1. In terms of both theory and national conditions, protection-oriented life products should be in leading position, which means priority should be given to protection-oriented products, assisting with development of investment-oriented products.2. However, current situation in domestic market is that investment-oriented products dominant and with the trend of further expansion, which has already generated series of problems. This situation resulted in that supply doesn’t match with demand and serious harm to the sustainability of insurance development.3. Current irrational product mix should be changed, and protection-oriented products should be prioritized, followed by investment-oriented products.