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| 摘要: |
| 金融自由化导致混业经营趋势加剧,推动了兼具储蓄、投资、理财和保障等多种功能的寿险金融衍生产品的创新,引发了货币市场、资本市场、信托市场和保险市场间的互动,影响寿险需求的各种因素及其机理将更复杂,需求更加多变,产品创新难度更大.本文通过个人寿险需求影响因素的特点和变化规律的探讨,期望为寿险产品设计的自主创新提供参考. |
| 关键词: 个人寿险需求 影响因素 综合经营 |
| DOI： |
| 分类号:F840[著者标引] |
| 基金项目: |
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| Analysis of influential factors of individual life insurance demand under the trend of mixed management |
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PU Cheng-yi
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| Abstract: |
| Financial liberalization makes mixed management trend more serious and innovates multi - function life insurance finance derivative products such as deposit, investment, finance, insurance and so on, produces interaction with currency market, capital market, trust market and insurance market and makes all factors of life insurance demand and mechanism and product innovation more complex and more difficult. This paper provides life insurance products self - innovation plans after discussing the characteristics and changing rule of individual life insurance demand influence factors. |
| Key words: individual life insurance demand influential factor , comprehensive management |
