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我国开办投资连结保险即可拓宽保险服务领域 ,提高保险公司经营管理水准 ,又可化解经营风险 ,促进公司技术进步和增强竞争力。但是开办投资连结保险又面临政策风险、投资风险和管理风险的防范问题。因此 ,对于政策风险 ,保险公司应积极对宏观经济形势作出预期研究、分析和评价 ,设法进行重点防范。对于投资风险 ,证券投资组合是最主要的策略之一。对于管理风险 ,就要建立一套规范化、标准化的工作流程 ,定期对客户的资产帐户进行抽查、核对 ,利用各种媒体客观、全面地宣传投资连结保险。另外 ,保险公司要加大计算机数据处理系统的投入 ,使这一新的产品能成功地推向市场。
China’s investment linkage insurance can broaden the field of insurance services, improve the management level of insurance companies, but also to resolve operational risks and promote technological progress and enhance competitiveness. However, starting the investment link insurance also faces the policy risk, investment risk and management risk prevention issues. Therefore, for policy risks, insurance companies should make active research, analysis and evaluation on the macroeconomic situation and try their best to prevent them. For investment risk, securities investment portfolio is one of the most important strategies. For the management of risk, it is necessary to establish a standardized and standardized workflow, regular checks of the client’s asset account, check, use of various media to objectively and comprehensively promote investment link insurance. In addition, insurers need to invest more in computer data processing systems to bring this new product to market successfully.