有别于传统的财产保险,保障投资型产险是集保障、储蓄和投资三功能于一体的新型产品。本文尝试通过资产份额法分析对保障投资型产险产品利润产生影响的费用、续保率和投资收益率等因素,并就各因素和利润及利润现值的相互联系进行了简要的情景测试,得出使保单维持收支平衡应达到的投资收益率。 Different from traditional property insurance, investment-based property insurance is a new product integrating three functions of guarantee, saving and investment. This paper attempts to analyze the factors that affect the profitability of investment-based property and casualty products through the share-based method, such as the rate of renewal and the rate of return on investment, and makes brief situational tests on the interrelationship between various factors and the present value of profit and profit. Draw the return on investment that should be achieved to maintain the balance of payments.