摘 要：投资连结保险在我国保险市场的大起大落，是保险公司、营销员和客户之间利益博弈的结果，却也印证了我国保险市场的不成熟。从保险公司、营销员、客户和外部市场环境四重角度对投资连结保险由盛转衰的原因进行讨论后，可以得出投资连结保险产品设计的利益合理化分配、营销员的道德诚信、政府的有效监管和客户的正确风险收益意识是解决投资连结保险可持续发展问题的关键点。
关键词：投连险；道德诚信；风险收益意识；产品设计；合作监管
Analysis of Keeping on Development of Investment-linked Insurance
Zhou Hao-jie
(
Abstract: Insurance companies, marketing members and the customers strive for benefit result in investment-linked insurance’s fluctuation in our country. It also corroborated that the insurance market of our country is not mature. After the discussion of reasons from four angles, including insurance companies, marketing members, customers and exterior market environment, this paper get rationalization that well-designed allotment of benefit of investment-linked insurance, the moral and trustworthiness of the marketing member, government effective supervision and the customer’s right risk and income consciousness, are keys to solve the problem of keeping on development of investment-linked insurance.
