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我国传统的保险销售主要靠保险公司人员直接销售或通过保险代理人、保险经纪人的撮合而成。传统的风险管理技术是通过增加资本金、提取准备金和安排再保险达到承保风险的集中与分散。传统的保险理论注重保险的保障功能,忽视其投资功能,投资战略趋于保守,投资方向侧重于安全性强、期限较长,收益不高但较稳定的投资工具。相应地,传统的保险产品采用固定的均衡保费和固定的回报率,储蓄因素被认为是缴纳均衡保费的副产品,储蓄和保险在一个保险契约中是不可分开的。
China’s traditional insurance sales mainly rely on direct sales of insurance officers or insurance agents, insurance brokers match. The traditional risk management technology is to concentrate and disperse the underwriting risk by increasing the capital, withdrawing the reserve and arranging the reinsurance. The traditional insurance theory pays attention to the guarantee function of insurance, neglects its investment function, the investment strategy tends to be conservative, and the investment direction focuses on the investment tools with strong security, long term and low yield but stable. Correspondingly, the traditional insurance products use a fixed equilibrium premium and a fixed rate of return. The savings factor is considered as a by-product of the equilibrium premium payment. Savings and insurance are inseparable in an insurance contract.