發(fā)布時(shí)間：2018-08-26 17:00

【摘要】：投資連結(jié)保險(xiǎn)自產(chǎn)生以來(lái)不斷發(fā)展,目前在歐美國(guó)家已經(jīng)成為壽險(xiǎn)的主流險(xiǎn)種之一。投連險(xiǎn)在我國(guó)產(chǎn)生13年以來(lái),經(jīng)歷了兩次投連險(xiǎn)風(fēng)波,時(shí)而處于高峰時(shí)而處于低谷。投連險(xiǎn)自產(chǎn)生以來(lái)不斷發(fā)展,截止到2012年底,我國(guó)在售的投連險(xiǎn)產(chǎn)品共有28種,還有多家壽險(xiǎn)公司正在積極進(jìn)行投連險(xiǎn)產(chǎn)品的開(kāi)發(fā)工作�？梢�(jiàn),我國(guó)壽險(xiǎn)業(yè)對(duì)投連險(xiǎn)的未來(lái)發(fā)展非�？春�。 本文主要對(duì)我國(guó)投連險(xiǎn)需求及其影響因素進(jìn)行理論和實(shí)證分析,獲得對(duì)投連險(xiǎn)需求影響較為顯著的因素及其影響程度,另一方面,通過(guò)問(wèn)卷調(diào)查獲取在兩次投連險(xiǎn)風(fēng)波后消費(fèi)者對(duì)于投連險(xiǎn)的預(yù)期收益、投資期限等方面信息。再由以上兩方面的結(jié)論對(duì)投連險(xiǎn)產(chǎn)品提出新的改進(jìn)方案,以提高投連險(xiǎn)需求及其預(yù)期收益。 由于投連險(xiǎn)1999年末才出現(xiàn)在我國(guó)壽險(xiǎn)市場(chǎng),現(xiàn)有的對(duì)于投連險(xiǎn)需求的研究尤其是借助相關(guān)數(shù)據(jù)進(jìn)行實(shí)證研究的并且聯(lián)系投連險(xiǎn)產(chǎn)品方案的并不多,數(shù)據(jù)時(shí)間跨度較小,數(shù)據(jù)較少且都為單純的時(shí)間序列分析,忽略了投連險(xiǎn)在我國(guó)各地需求狀況不同的方面。本文對(duì)我國(guó)投連險(xiǎn)需求及其影響因素進(jìn)行分析,根據(jù)相關(guān)數(shù)據(jù)進(jìn)行面板數(shù)據(jù)回歸,建立回歸模型,驗(yàn)證因素的可靠性,分析不同因素對(duì)于投連險(xiǎn)需求的影響及程度。并基于投連險(xiǎn)需求設(shè)計(jì)調(diào)查問(wèn)卷,進(jìn)而分析結(jié)果及對(duì)投連險(xiǎn)產(chǎn)品方案進(jìn)行改進(jìn),首次將CPPI策略引入到投連險(xiǎn)產(chǎn)品中,根據(jù)投連險(xiǎn)特點(diǎn)聯(lián)系股票市場(chǎng)驗(yàn)證新方案的可行性,結(jié)果證實(shí)新方案具有更優(yōu)性。
[Abstract]:Investment-linked insurance has been developing continuously since it came into being, and has become one of the mainstream life insurance in Europe and America. Since the birth of China for 13 years, continuous risk has experienced two waves, sometimes in the peak and then in the low. As of the end of 2012, 28 kinds of insurance products have been put on sale in China, and many life insurance companies are actively engaged in the development of linked insurance products. Visible, our life insurance industry for the future development of insurance is very optimistic. Based on the theoretical and empirical analysis of China's risk demand and its influencing factors, this paper obtains the factors that have a significant impact on the risk demand and the degree of influence, on the other hand, Through the questionnaire survey, we obtain the expected income, investment period and other information of consumers. Based on the above two conclusions, a new improvement scheme is put forward to increase the demand and expected income. Because of the fact that the linked insurance appeared in the life insurance market of our country at the end of 1999, the existing research on the demand for the continuous insurance, especially with the help of the relevant data to carry on the empirical research, and the project of the linked insurance products is not many, the time span of the data is relatively small. The data are all simple time series analysis, ignoring the different demand situation of investment risk in China. This paper analyzes the risk demand and its influencing factors in our country. According to the relevant data, the panel data regression is carried out, the regression model is established, the reliability of the factors is verified, and the influence and degree of different factors on the risk demand are analyzed. Based on the questionnaire of the risk demand design and the analysis of the results and the improvement of the product scheme, the CPPI strategy is introduced into the risk linked products for the first time, and the feasibility of the new scheme is verified according to the characteristics of the linked risk and the stock market. The results show that the new scheme is more optimal.
【學(xué)位授予單位】：浙江工商大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.6

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本文編號(hào)：2205570