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Product Strategy of life Insurance Companies-Logic of Enterprises and Policy-holders Interests

寿险公司产品策略——企业与投保人利益逻辑

基本信息

批准号：
15530289
负责人：
EZAWA Masahiko
金额：
$ 1.09万
依托单位：
Waseda University
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
2003
资助国家：
日本
起止时间：
2003 至 2004
项目状态：
已结题

来源：
https://kaken.nii.ac.jp/en/grant/KAKENHI-PROJECT-15530289/
关键词：
Reduction of Assumed Rate of Interest Adverse Difference between Assumed and Effective Rate Interests Account-oriented Insurance Policies One-stop Shopping Regulation of Insurance Solicitation Explanation of Important Contents Improper Convers

项目摘要

To select proper insurance policies, insurance customers must be conscious of their demand. Insurance solicitors have a role of providing exact information about insurance policies in order that insurance customers should complete informed purchases.I presented this conceptions in the 'Symposium on Rethink on the Regulation of Insurance Sales in Japan' of the Japanese Society of Insurance Science on the 23^<rd> October 2004 at Sophia universityIn the symposium three speakers treated the §300 of Japanese Insurance Business Law. It rules the prohibited behaviors of insurance solicitorsFirst, I explained the history of insurance solicitation regulation. Second I considered (1)Explanation of Important Contents, (2)Improper Conversion and Replacement, (3)Anticipated Dividend, as regulations regarding information provision.As a conclusion, I insisted that we should recognize the dual construction of solicitation. One part is common to the whole Industry, which is the process of making the needs of insurance clear in qualitative (the kinds of insurance policies ) and quantitative (premium or the sum of insurance) respects. It is not connected directly with particular policies of particular companies. But it is essential to the other part of insurance solicitation, which is the sales promotion tool for their own policies. The cost of the first part solicitation should be burdened by the whole industry in common. Insurance literacy, seemingly roundabout for individual company, should be arranged fully. Moreover the systems of informed insurance purchase or replacements should be established. After all these efforts contribute to deter the increasing laps and surrenders, which are urgent difficulties to the industry.

为了选择合适的保单，保险客户必须意识到他们的需求。保险律师的职责是提供有关保险单的准确信息，以便保险客户在知情的情况下完成购买。我在日本保险科学学会2004年10月23日在上智大学举行的关于反思日本保险销售监管的研讨会上提出了这一概念。在研讨会上，三位演讲者讨论了日本保险商法第300条。首先，对保险募集制度的历史沿革进行了阐述。其次，笔者认为(1)对重要内容的说明，(2)不恰当的转换和替换，(3)预期分红，作为对信息提供的规定，我坚持认为应该承认征集的双重结构。一部分是整个行业的共性，即从定性(保单种类)和定量(保费或保额)两个方面明确保险需求的过程。它与特定公司的特定政策没有直接联系。但它对保险招揽的另一部分是必不可少的，这是自己保单的促销工具。第一部分征集的费用应该由整个行业共同负担。保险素养，对于单个公司来说似乎是迂回的，应该得到充分的安排。此外，还应建立知情保险购买或更换制度。毕竟，所有这些努力有助于阻止越来越多的圈数和投降，这是该行业迫切的困难。