保险商品

短期保险商品定价方法的探讨

The Approach on The Methods of Pricing Insurance Products of Short Terms

道德风险与保险商品价格形成的博弈分析

A Game Study on Moral Risk and the Formation of Insurance Commodity Price

并且解释了再保险可以降低安全附加费，从而降低保险商品的定价。

Meanwhile , prove the reinsurance can decrease the security loading and the pricing of insurance product .

保险商品具有其特殊性，如何在保险产品的营销中获得竞争优势，成为各保险公司探求的一个重大问题。

The competitive strategy of every insurance company also presents diversity . Insurance goods have their particularity .

再根据这些产品关键因素，建议寿险公司应该如何在这些产品关键因素上去作努力，以提升投资型保险商品的竞争力。

Then , based on these key product factors , suggestions are provided for insurance companies to promote Investment-Oriented Insurance product in efficiency .

保险商品作为一种无形的、以风险为对象的特殊商品，从本质上看，是一种服务。

The insurance is a kind of invisible , take the risk as object merchandise . In essence , it is a kind of service .

本文以金融型保险商品概念注释当代保险经济与金融经济的融合，在金融型保险公司经营理论基础上，提出金融型保险公司的产品市场定价理论。

This article uses the concept for finance-type insurance to annotate the convergence between contemporary insurance economics and finance economics , on the basis of operation theory in financial-type insurance company , put forward the market pricing theories of the financial-type insurance company products .

第一章作为理论先导，研究传统保险商品论、金融资产论及金融型保险商品论，并分析传统型保险公司、金融中介型保险公司及金融型保险公司的经营模式及特性。

The full text is divided into five chapters : As the first leading , Chapter 1 describes the theories of traditional insurance goods , finance assets and finance-type insurance goods , and analysis the mode and character of traditional , finance-intermediation and financial-type insurance company .

而且客户有了一种保险正如给商品上了保险一样。

With the option , the customer has an insurance-like product to cover itself against downside risk .

近代保险是资本主义商品经济的产物。

However , they cannot evolve themselves into the modern insurance system , because the latter is the result of the capitalistic economy .

而另一方面，这种观点将《广告狂人》式的创意技巧过分浪漫化了——在该剧集中，三个精明练达的男人一边坐着品尝鸡尾酒，一边随意聊着如何推销从植发疗程到汽车保险等各种商品的构想。

On the other hand , it overly romanticises Mad Men-style advertising virtuosity , in which three suave guys sit back with cocktails and kick around ideas on how to sell you anything from hair-replacement therapy to car insurance .

笔者认为，首先，从法律法规上明确界定预售商品房按揭的法律性质，完善法律法规实施细则。其次，应将保险引入预售商品房按揭实务中，切实分散各方的风险。

First of all , clearly defined laws and regulations on pre-sale of the legal nature of the mortgage of pre-sale commercial building . Secondly , with the introduction of the mortgage of pre-sale commercial building insurance practice , the parties effectively spread the risk .

保险费要根据商品性质、所要求投保的范围以及目的地而有所不同。

The premium vary with the nature of the goods , the degree of cover desire and the place of destination .

除了证券投资基金、银行理财产品以及保险等传统金融商品以外，一些金融创新品、金融衍生品等也越来越多的融入金融消费中并为广大消费者所普遍接受。

In addition to securities investment funds , the bank financial products and insurance and other traditional financial products , financial products innovation , financial derivatives are also more and more into the financial consumption and for the vast number of consumers generally accepted .

保险营销是伴随着保险商品的产生而出现的，经历了一个由简单到复杂，由低级到高级的发展过程。

The insurance marketing is a creation that accompanies with the insurance merchandise but appear of , experiencing a from arrive complications in brief , from the development process that the low class arrives the high class .

三是创新保险营销机制，建立保险营销与一般商品营销战略联盟。

Thirdly , it shall take marketing innovation , establish a strategic alliance between insurance marketing and general commodity marketing .

本文共分为七个章节，第一章主要提出选题背景、文献回顾与研究方法，第二章则探讨个人年金保险需求之理论基础与论述个人年金保险商品对于国家之正面功能。

Chapter I describes the background , literature review and the research methods of this study . Chapter II covers the theory of individual annuity insurance demands and a commentary on the positive function of annuity insurance for the country .

但是，国际保险市场中各种类型的保险欺诈使得保险商品的价格每年要增加10%左右的事实表明，投保人（或被保险人）的行为导致风险（损失概率）内生化。

However , the fact that all kinds of insurance cheating increase the insurance commodity price by 10 percent every year in the international insurance market shows that the behaviors of the insured make his risk ( loss probability ) endogenous .

体育保险作为一种客观的保险需求而存在，现有的保险商品中不存在有效供给，这就构成了供需之间的矛盾。

Sport insurance exists as an objective demand on insurance , but there is no effective supply in the in surance goods available , which constitutes a contradiction between demand and supply .