保险学-雇主责任保险产品研究论文

雇主责任保险产品研究【摘要】随着社会经济的飞速发展，作为经济体系三大组成成分之一的保险业也在逐渐进步。在这个过程中，无论是人身保险还是财产保险的产品，都经历了很多阶段的创新和改善。但相比于整个保险行业的发展，雇主责任保险产品的发展却十分缓慢的。本文就目前市面上仍在售雇主责任保险产品数量不多这一现象，以中国人寿的雇主责任保险产品为例，分析雇主责任保险产品存在的相同点和不同点。同时根据在售的雇主责任险的产品特点，结合雇主责任保险产品发展历程、已有的国家政策和雇主责任保险产品的定价策略，对比其与工伤保险、团体意外险的区别和融合，讨论雇主责任保险产品仍存在的问题和应改进的地方，从而对雇主责任保险产品的市场拓展和产品优化提出策略。【关键词】雇主责任险；产品研究；市场拓展注：本论文（设计）题目来源于教师的国家级（或省部级、厅级、市级、校级、企业）科研项目，项目编号为： 。 Employer liability insurance product research [Abstract] With the rapid development of social economy, as one of the three components of the economic system, the insurance industry is also gradually improving. In this process, both life insurance and property insurance products have experienced many stages of innovation and improvement. But compared with the development of the whole insurance industry, the development of employer liability insurance products is very slow.This paper analyzes the similarities and differences of the employer liability insurance products, taking the employer liability insurance products of China life as an example. At the same time, according to the characteristics of the employer's liability insurance products on sale, combined with the development process of the employer's liability insurance products, the existing national policies and the pricing strategies of the employer's liability insurance products, the paper compares the differences and integration with the industrial injury insurance and group accident insurance, discus...