在现有的23家中外合资寿险公司里,有20家均采用了“保险+产业”的合资形式,此种模式的使用率达到了87%。对外资寿险而言,可获得充足资本金和大额股东保单,且减少了技术转让的压力。而中资的产业公司也可获得新的利润点和变相的自保。但对两方而言,都有一定劣势。 Of the 23 existing Sino-Japanese joint venture life insurance companies, 20 adopt the joint venture form of “insurance + industry”, and the utilization rate of this model has reached 87%. For foreign life insurance, access to adequate capital and large shareholder policies, and reduce the pressure on technology transfer. Chinese-funded industrial companies also receive new profit points and disguised self-protection. However, both parties have certain disadvantages.