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这几年,投资连结保险、分红保险等新型人身保险产品相继火爆,也因投资等瓶颈而出现了一些风波和危机。特别是这些新型人身保险产品,业务逐渐萎缩、投诉相对增多,保险公司面临很大的压力。保险业界和学术界对新型人身保险产品的发展出现的问题作了许多反思,不少人认为保险产品不应该涉及投资等领域,不应该“不务正业”,呼吁保险“回归保障”,甚至质疑我国现阶段是否有再发展新型人身保险产品的必要。如何看待保险业的制度创新和产品创新,涉及一
In recent years, investment-linked insurance, dividend insurance and other new life insurance products have been hot, but also due to investment bottlenecks and some turmoil and crisis. In particular, these new life insurance products, the business is gradually shrinking, the relative increase in complaints, insurance companies are under great pressure. Many people in the insurance industry and academia have made many introspection on the problems that arise in the development of new life insurance products. Many people think that insurance products should not be involved in areas such as investment. They should not “go down in business”, call for “return to protection” and even question China’s present Is there any need to re-develop new life insurance products in the stage? How to look at the institutional innovation and product innovation in the insurance industry involves one