On the Characters,Risk and Regulation of Non-life Insurance Investment Product
从保险公司业务运营特点出发，识别非寿险投资型产品的业务性质，通过与传统非寿险产品对比，指出其双重业务性质决定的双重风险特征，并提出针对性监管建议。
Depending on the characteristics of main business operations,different insurance companies have diversified earning models and differentiated risk natures,which in turn dictates the differentiations in insurance regulations and risk management measures.Starting from a re-recognition of insurance companies' business operations, the paper then identifies the business nature of non-life investment-type insurance products.Through comparing the earning models and risk natures between those of traditional general insurance products and those of non-life investment-type insurance products,the paper also points out theDual Risk Natureof the non-life investment-type insurance products as determined by theirDual Business Nature.Finally,the paper also makes regulatory proposals specifically regarding different aspects of non-life investment-type products.