分红保险

第一部分简要介绍了一下分红保险的概述，主要是对分红保险的三个观点进行辨析：第一，分红保险不是保险分红；

It mainly discussed 3 questions : First , Participating insurance is not the insurance with participating ;

第二，购买分红保险的保险客户不等于变成保险公司的股东；

Second , the clients who buys the participating insurance are not equaled as the shareholder of the joint-stock company ;

A:分红保险与存款有区别吗？

A : Is there any difference between dividend-participated insurance and deposit ?

分红保险是属于人寿保险产品中的一大类产品。

The participation policy is one of the important life insurance products .

分红保险合同红利负债的确认与计量研究

Investigation on Recognition and Measurement of Dividend Insurance Policy Debts

分红保险与存款有区别吗？

Is there any difference between pidend-participated insurance and deposit ?

首先，分红保险具有保障和投资双重功能。

Above all , share out bonus is sure to have safeguard and investment double function .

因此，笔者希望通过对目前中国市场上分红保险险种的分析，帮助客户从理性角度更好的认识和理解分红保险。

Therefore , the treatise help the client understand and comprehend participating insurance by analysis on it .

但是，在分红保险高速发展的同时，各种问题也逐渐显现出来。

However , the rapid development of insurance dividends at the same time , various problems have emerged .

本章一开始对分红保险的起源和发展情况进行了简要的阐述，特别地分析了分红保险在我国的发展过程。

Firstly , this chapter introduces the origin and development of participating life insurance , especially , its development in our country .

产品创新应将主要精力放在研究和开发分红保险、变额保险和万能保险上。

The product innovation shall focus upon R & D efforts of participant life insurance , variable life insurance and universal life insurance .

英国累积式分红保险是一种融保障、分红和投资于一体的非传统型寿险产品。

The cumulative participating product in the United Kingdom is a type of non-traditional life products combining insurance protection , dividend participation and investment .

在我国几家大公司内，分红保险产品业务量一般占保费总额的一半以上，有的寿险公司分红保险所占的比重更高。

In some large companies in China , participating life insurance total accounts for more than half of the total premium , and even higher .

第五部分是对我国分红保险未来如何发展的总结，笔者认为，通过前面的分析，保险公司可以降低目前的分红保险在保险收入中所占的比重。

The fifth part is the summary of the trend of participating insurance . Insurance company could decrease the proportion of the revenue of participating insurance .

分红保险的主要特征在于：投保人除了可以得到保单规定的保证利益外，还可以享受保险公司的经营成果。

The main feature with safe share out bonus depends on : policy-holder assures a benefit besides what can get guarantee slip sets outside , return the operation result that can enjoy insurance company .

随着分红保险业务的不断发展和扩大，分红保险责任准备金的规模也与日俱增，它在寿险公司整个责任准备金体系中的地位也越来越重要。

With the development and expansion of participating life insurance business , the scale of participating life insurance reserves is increasing steadily , and its position in the whole reserves of life insurance company is becoming more and more important .

而且在购买了吉祥两全分红保险后，保险公司还要免费赠予一份20年的豁免保险费的长期健康保险，收益是非常可观的。

And after buying share out bonus of lucky be satisfactory to both sides to be sure , insurance company gives the long-term and healthy assurance of an exempt insurance premium of20 years even freely , accrual is very considerable .

分红保险除具有基本保障功能外，每年还可以根据分红保险业务的经营情况，决定红利分配，这是本产品的最大特点。

Share out bonus is sure to divide outside having basic safeguard function , still can be sure every year according to share out bonus the management circumstance of business , decide bonus allocation , this is the biggest characteristic of this product .

在现代保险中投资分红型保险已经逐渐取代年金保险。

In contemporary insurance investment share out bonus insurance has replaced pension insurance gradually .

本文主要研究了带注资的经典模型的最优分红问题，考虑保险公司的分红过程服从指数效用，引入效用函数控制分红。

We mainly consider the optimal dividend strategies in the classical model with capital injections .

既然目前分红险有这么多劣势，为什么这么多人仍然热衷于购买分红保险？针对这一问题，笔者提出了三点原因。

Why are so many people eager to buy participating insurance which exits much disadvantages ?