1、 20.1 4 1 20.2 1 9 9 5 12 360 5 8 % ( W o r l d 20 Brain K. McGreevy) Life Office Management Association, Inc. 347 20 Insurance in 1995 1 9 9 7 ) 2 0 - 1 3 20-1 1995 Swiss Re, sigma no. 4/1997 1 6 1 8 1 9 ( C o m m i s s i o n e d ) 1 9 2 0 2 0 8 0 20.2.1 2 0 7 0 20.2.2 8 0 8 0 41.3% 6.7% 24.7% ( d
2、e m u t u a l i z a t i o n ) 20.2.3 2 0 7 0 20.3 20.3.1 ( ) 1 9 9 5 8 0 2 0 - 2 20-2 1995 ( ) Swiss Re. sigma no. 4/1997 7 348 1. ( ) 7 5 % ( U n g p h a k o n 1 9 9 5 ) (Single-Premium Products) 1 9 9 3 4 . 8 ( ) ( P a t h m a r a j a h 1 9 9 2 ) (Captive Agents) (Managed Care) (Singapore College
3、of Insurance News 1 9 9 5 ) 3 5 % ( C h e u n g 1 9 9 5 ) 2 7 2. ( ) (Ernst & Young ,1994) 349 20 7 350 20.3.2 1 9 9 4 1 4 8 2 2 8 ( 1 6 7 ) 9 0 9 0 1 / 3 2 / 3 4 / 5 (Balance Level- or Decreasing-term Policies) 1 9 9 2 2 9 % 2 1 % ( C L H I A 1 9 9 3 ) 6 0 % 1 / 3 4 % 3 % ( L I M R A 1 9 9 4 ) 2. 8
4、 0 1) 9 0 ( Confederation Life L e s C o o p e r a n t s Sovereign ) ( C L H I A ) C o m p C o r p Confederation Life 2) 9 0 3) 4) 3. ( M a n u l i f e ) ( 351 20 Manulife 1 9 9 6 ) 1 9 9 2 2 0 11 0 8 0 % 1 5 % 3 % 2 % ( C L H I A 1 9 9 3 ) 20.3.3 1 9 9 5 ( P a n - E u r o p e a n ) ( 2 0 - 1 ) 2 0
5、- 1 A l l i a n z ( ) Henning Schulte-Noelle 1 9 9 5 1 0 6 Schulte-Noelle ( M u n c h a n 1 9 9 5 ) ( ) 1 9 9 5 3 260 2 5 % 6 6 % ( World Insurance in 1995 , 1 9 9 7 ) 1. (1) 1 9 9 5 4 155 ( 8 3 0 ) ( B a n c a s s u r a n c e ) ( 7 ) 1 9 9 6 2 5 % 1 9 9 0 Beland and Craine(1995) ( 2 0 - 2 ) 2 0 - 3
6、 7 4 % 11 % 6 % 1 9 8 3 1 / 3 ( F F S A 1 9 9 5 ) 20-3 1995 Fdration Francaise des Socits dAssurance/GAP(1996) 2 0 - 2 1) 2) 7 % 8 0 % 3 5 % 5 0 % ( L Argus ,July ,1995) +24% de moyenne annuelle pour les contrats souscription individuelles L a r g u s . No.6434,July 21, 1995, P . 3 3 7 352 6.3% 5.3% 3.3% 2 0 - 1 2 0 - 3 20-1 1) (Bons de capitalisation): 2)
