Development Problem Study Of China’s Investment-type Insurance

Begin from1980, the domestic insurance industry have been recovered, especially in this few years, China’s insurance industry has been developing rapidly and in a trend of accelerated growth. It plays a more and more important role in national economy with its rapidly expansion of business, continuously improvement of insurance contents and scales. Investment and insurance product, as of the insurance types, combines insurance and investment function. The insurance company and customer risk sharing, and Shared interests cover It plays a certain role in insurance industry. This new insurance regardless of the insurance company or the insured has important significance for the insurance companies can improve operating results of the insurance industry, to avoid the risk of the insurance industry, improve the mode of operation of the insurance company and the way they compete; policyholderssaid to have the dual function of protection and investment. However, the development of China’s investment-type insurance, there are some problems in the demand and supply side, from the demand side, the the immature consumer attitudes, consumer behavior is irrational; From the supply side, the marketing channels, insurance proceeds, and institutionally exist problems. Address these issues can be taken to enhance the protection of investment-oriented life insurance functions; enhanced information disclosure of the insurance company; increase efforts to develop non-life insurance products; to broaden insurance marketing channels; regulatory bodies to further strengthen the intensity of the insurance regulatory countermeasures.