产品结构失衡,偏离保障功能我国寿险公司普遍采取以盲目追求保费规模和市场份额为中心的非理性经营模式,存在着保障功能不足、业务结构不尽合理的问题。由于大力发展保费高的投资型产品和趸缴型产品,过度宣传寿险产品的投资功能,用短期投资回报来吸引客户购买,使产品结构呈现出 Unbalanced product structure and deviation from the guarantee function China’s life insurance companies generally adopted the irrational management mode centered on the blind pursuit of premium scale and market share, which posed the problems of inadequate guarantee function and irrational business structure. Due to the vigorous development of investment products with high premiums and wholesale products, the investment function of life insurance products is excessively promoted, and the short-term investment return is used to attract customers to purchase so that the product structure shows