我国万能险现状及存在问题分析.docVIP

我国万能险的合规性研究 摘要 万能险在我国的发展可谓风生水起，无论是在个人渠道，银保渠道，在互联网上也有所发展，近几年来在各个险企中万能险所占的比重也持续攀升。而万能险急速的成长模式在我国保险基础市场不扎实的环境下，存在着很多问题。 本文对我国万能险的发展历程及现状作了简要介绍与分析，从万能险的产品角度、购买群体角度及销售主体角度对万能险市场存在的问题作了具体分析，主要表现为万能险的高收益给险企带来的险企资产负债风险、忽略保障功能、较高的退保风险以及存在误导销售。针对这些问题，建议各险企适当控制万能险的发展规模、万能险产品可回归保障、加强宣传力度以及加大市场监管力度等方向来进行调整与改进。 关键词：万能险；险企；高收益；合规性 Compliance study of universal insurance ABSTRACT Universal insurance development in China can be described as fast, both in the individual channels,banking channels, the Internet has also been developed in recent years, the proportion of universal insurance continues to rise in each of the insurance firms. The universal insurance rapid growth mode in Chinas insurance market is not a solid basis for the environment, there are many problems. In this paper, history and current development of universal insurance are briefly introduced and analyzed from the perspective of universal insurance products, buying groups, body angle and perspective of universal insurance sales market problems were specific analysis, mainly for high universal insurance liability risk insurance firms, insurance firms to bring capital gains, ignoring the security function, the higher the risk of surrender and misleading sales. To solve these problems, we recommend that all insurance firms properly control the scale of development of universal insurance, universal insurance product return guarantee, strengthen the propaganda and increase market supervision. Keywords: universal insurance ；insurance firms；high-yield；compliance 目 录 引言…………………………………………………………………1 1 万能险市场的发展历程及现状…………………………………2 1.1 万能险的发展历程………………………………………………2 1.2 万能险的现状……………………………………………………2 1.2.1 万能险的市场占有率攀升……………………………………3 1.2.2 万能险结算利率平均水平较高………………………………4 1.2.3 线上投保万能险 推动了保险电子商务化……………………4 2 万能险存在的问题………………………………………………6 2.1 资产负债匹配风险……………………………………………6 2.2 忽略保障功能…………………………………………………6 2.3 存在退保风险…………………………………………………6 2.4 销售误导风险…………………………………………………7 3 万能险的合规性措施……………………………………………8 3.1 控制万能险的发展规模…………………………………………8 3.2 万能险回归保障…………………