【摘要】 保险产品分类体系对于保险业的发展具有重要作用。但是,目前我国非寿险产品分类存在多种分类体系,呈现出较为混乱的状态,服务于全行业数据统计、数据管理的统一产品分类标准和参照体系没有形成。这对于监管政策制定、风险管控、数据共享等造成不利的影响。非寿险产品分类体系在国外、国内尚无形成系统的研究。本文从非寿险产品的基本属性入手进行研究,对国内、国外的非寿险产品分类体系进行了较为全面、系统的考察和研究,提出了在我国建立以产品的元件为分类单位,以标的、风险、客户等为标准的多维度的立体式非寿险产品分类体系的构想。更多还原

【Abstract】 Categorization system of insurance products is of great significance to the development of the insurance industry. However, there are disorderly categorization systems for non-life insurance products in China today. A uniform product categorization system which is helpful to industry-wide statistics collection and data management has not comeing out. This has affected regulatory policy stipulation, risk control and sharing of data. There is no systematic study on the categorization system for non-life products both at home and abroad. This article proceeds from the basic characteristics of non-life products and conducts a relatively complete study and research of domestic and overseas non-life products. Finally, the author puts forth a suggestion on using product components as the unit of categorization, and using subject matter, risk and client as the standards to establish a multidimensional categorization system for non-life products.更多还原