保险创新与创新型寿险产品——“基金连锁”

“基金连锁”是一种融保险保障和投资收益为一体、代表了国际保险业最新潮流和趋势的非传统寿险产品。本文较系统地研究了“基金连锁”产品区别于传统型寿险产品的创新实质和基本特征,详细介绍并分析了国际“基金连锁”产品产生的历史背景和发展趋势,结合美国变额寿险产品的运用和兼管政策,提出了我国有关监管建议和策略。

Insurance Innovation and Innovative Life Insurance-- "Unit-Linked"

As a combination of insurance security and interest on investment, "Unit-Linked" is a non-traditional life insurance, which represents the latest tide and trends of international insurance business. This paper systematicaly studies "Unit-Linked"life insurance innovative essence and basic features distinguished from traditional life insurance,and introduces in detail its historical background and developing trends in the overseas market. Also, combining application and regulation policy of American variable life insurance, the paper puts forward rationalization proposals and policy on Unit-Linked life insurance in china.