摘要
在我国不断加快深化改革、调整经济结构,经济发展呈现"新常态"特征的大背景下,"新国十条"发布,保险业发展被置于经济社会发展的整体战略布局之中,未来跨越式发展的空间无限广阔,2014年中国保险业改革发展创新进入新的历史阶段。本文通过对中美两国寿险产品结构发展变化的对比分析,发现我国寿险产品结构的演变分为两个阶段:第一阶段,传统寿险产品为主;第二阶段,目前呈现出向传统保障回归的趋势。并在此基础上提出养老险和健康险将是未来我国寿险产品发展突破的关键领域。
Under the background of deepening reform and accelerating economic structure, the development of economy in China has presented a ＇ new normal＇ feature. Along with the release of ＂new ten guiding policy for developing the insurance industry＇, the insurance industry is placed in the overall strategic layout of economic and social development with the unlimited space in the future. The reform and innovation of China＇s insurance industry has entered a new historical stage in 2014. Based on the analysis of the comparison of Sino-Us life insurance, this article found the evolution of Chinese life insurance structure is divided into two stages. The first stage is focus on traditional life insurance products. The second stage is currently showing a trend of regression to the traditional support. And on this basis, the pension insurance and the health insurance will be a key breakthrough in the field of China＇s life insurance products in the future.
出处
《未来与发展》
2015年第4期30-33,共4页
Future and Development
关键词
寿险产品
结构变迁
健康险
养老险
life Insurance, structure change, health insurance, pension insurance
