摘要：我国投资连结险诞生于1999年10月的平安公司，这种新型寿险在此后十四年时间里经历了起起落落的发展。面对政策改变、金融危机、资本市场波动等困难，我国投资连结险近年虽有所恢复，但仍然呈现整体发展倒退的趋势。本文根据投资连结险的具体特征以及相关资料数据，阐述了该险种在国内发展的具体情况和现存问题，并分析了产生问题的影响因素，同时用实际统计数据来验证理论分析的因素。各指标的选取和模型的建立也选择的是清楚易懂的，虽然采用的模型在数据上有一定误差，但文章在总结分析后，得出了较理想的结论。最后在研究了国外投资连结险的发展启示后，在产品设计、投资资金运用、营销经营模式和风险管理四个大方面，提出了保险公司、政府部门应做出的相应对策。

关键词：投资连结险 发展现状 产品设计 资金运用 营销模式

Abstract:The unit-linked insurance originated from PINGAN in October,1999. This new-type life insurance has experienced the ups and downs during the next thirteen years. In face of the change of the policy, the financial crisis and the instability of capital market, the development of our unit-linked insurance has recovered a lot, but the total premiums of this whole market is still decreasing. According to the characteristics of this insurance and relative data, this paper expounds the current situation and existing problems in China and analyzes the influence factors to the problems. At last, after studying the development of this type of insurance overseas, I put out countermeasures what should be adopted by insurance companies and government.

key words:unit-linked insurance  development situation  product design  fund application  marketing mode