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2007年以来投连险迅速成为保险业特别是银行保险渠道重要的产品类型,这类产品在投资账户运作的过程中主要基于基金选择技术,与资本市场具有高关联性。随着投连险的热销和股市自2008年初开始的长期震荡调整,关于投连险净值表现的评论和质疑也陆续出现。本文论述了投连险所依赖的基金选择技术的发展概况、评价体系和技术指标,探讨了投连险发展中所需要的市场环境和技术支持,进而从行为金融学的角度对投连险的合理性做出了评价。
Since 2007, investment-linked insurance has rapidly become an important product type in the insurance industry, especially in bank insurance channels. Such products are mainly based on fund selection technology in the operation of investment accounts and have a high correlation with capital markets. With the hot sales of investment risks and the long-term turmoil in the stock market since the beginning of 2008, comments and questions about the performance of investment-linked insurance have also emerged. This paper discusses the development overview, evaluation system and technical index of the fund selection technology relied on by Lianlian Insurance and discusses the market environment and technical support needed in the development of investment-linked insurance. Then, Reasonable made a comment.