大陸分紅保單市場分析

論文之研究係以分紅保單之定義為出發點，進而探討大陸分紅保單的法令背景及現階段監理的現況，藉以了解大陸分紅保單熱賣的原因及背後所衍生的問題，同時有感於近年來大陸保險市場熱絡，故對大陸分紅保單的市場現況做一簡要的分析與探討，以供後人參考。針對資料整理做出結論：一、分紅保單的監理是大陸主管機關目前以及未來短期間內重點發展的目標，目的在修正過去分紅保單所帶來的問題和影響。二、在金融風暴的影響下，大陸保險市場的銷售正以分紅保單為主，由於分紅保單所強調兼具保障與部分投資的特色，目前在大陸壽險市場熱烈受到保戶的歡迎並掀起一股熱潮。三、大陸壽險公司雖都有不同經營策略，但近期皆轉變為以分紅保單為主的行銷策略，除了大陸民眾接受度高外，也因為分紅保單可為保險公司帶來長期且穩定的保費收入，使壽險公司在資金運用及調度方面較為穩定。

關鍵字

分紅保單；人壽保險；大陸保險市場；保險商品

並列摘要

This research paper starts with defining Participating Policy, then discusses the law background and current supervision status of Participating Policy in Mainland China, so as to understand the reason of being the bestselling product in Mainland China and the dilemmas behind. Researcher observed the insurance market in Mainland China has grown tremendously, therefore a brief analysis and discussion of Participating Policy in Mainland China can benefit future insurance studies. This research has concluded three main points: (1) Authorities in Mainland China have placed their short-term goal on supervising Participating Policy. The purpose is to amend the impact and concerns from the past. (2) Under the influence of global financial crisis, Participating Policy dominates the insurance market in Mainland China, as it is a product consists of both security and investment. Participating Policy has been warmwelcomed by insured in the current life insurance market in Mainland China and set off a stock boom. (3) Although the life insurance companies in Mainland China have different management strategy, but recently they all gradually focus on promoting Participating Policy. Not only the high acceptance by Chinese insured, also because Participating Policy will bring back long-term and stable premium income for the Insurance company/ firm. So that life insurance companies can be more stable at the utilization of funds and the dispatch aspect.