我国投资型寿险存在的问题及对策探讨

我国投资型寿险存在的问题及对策探讨(含选题审批表,任务书,开题报告,中期检查报告表,毕业论文11000字)
摘  要：随着我国国民经济的快速增长，目前投资型寿险产品在我国寿险市场上占据了半壁江山，但还存在着产品创新能力不足，信息披露不充分，保险代理人误导行为严重，保险资金运用渠道有限导致投资收益偏低，法律政策滞后等问题。为了投资型寿险的健康发展，我国需加大投资型寿险产品的创新力度，强化其保障功能，同时增强保险公司信息披露，提高保险代理人的素质，完善保险公司资产管理，加强政策监管以促进寿险业依法合规经营。
关键词：投资型寿险；分红寿险；万能寿险；投资连结保险

Research on Problems and Solutions of Investment-linked Life Insurance in China
Abstract: With the rapid growth of China's national economy, nowadays the investment-linked life insurance products currently occupy the life insurance market heavily-accented screams, but also exists in product innovation ability is insufficient, inadequate disclosure of information, insurance agents misled behavior, insurance funds utilization leads to low investment limited access policy law and so on. For the healthy development of the investment-linked life insurance, China needs more investment-oriented birthday danger product innovation, strengthen the protection function, strengthen insurance company information disclosure, improve the quality and perfect insurance agents and insurance company asset management, strengthening supervision policy to promote compliance management according to serve.
Key words: investment-linked life insurance; universal life insurance; participating life insurance; unit-linked life insurance