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随着我国经济的腾飞和加入世贸组织(WTO),我国保险业迎来了新的机遇和挑战。而CEPA的签署,为内地和香港保险业开拓了更为广阔的合作空间。香港作为国际金融中心之一及中西文化汇合的大都会,拥有成熟的国际化保险产品和保险业经验。投资连接保险目前是内地和香港增长最快的保险产品。香港和内地文化背景相近,本文通过分析投资连结保险在内地和香港的发展情况,比照两地保险产品的差异,借鉴香港的成功经验,促进我国投资连结产品的健康发展。
With China’s economic take-off and accession to the WTO (WTO), China’s insurance industry ushered in new opportunities and challenges. The signing of CEPA has opened up a broader space for cooperation between the insurance industry in the Mainland and Hong Kong. Hong Kong, as one of the international financial centers and the cosmopolitan city where Chinese and Western cultures meet, has a mature international insurance product and insurance industry experience. Investment Link Insurance is currently the fastest growing insurance product in the Mainland and Hong Kong. Hong Kong and the Mainland have similar cultural backgrounds. This article analyzes the development of CISA in the Mainland and Hong Kong, compares the differences in insurance products between the two places, draws on the successful experience of Hong Kong and promotes the healthy development of China’s investment-linked products.