我国儿童选择性购买商业保险的问题研究.docxVIP

湖 南 涉 外 经 济 学 院 本科毕业论文（设计） 题目我国儿童选择性购买商业保险的问题研究作者田凡学院商学院专业金融学学号11430725150819指导教师刘全慧 李良新 二〇一五年五月二十一日  PAGE \* MERGEFORMATVI 湖南涉外经济学院本科毕业论文（设计）诚信声明 本人声明：所呈交的本科毕业论文（设计），是本人在指导老师的指导下，独立开展工作所取得的成果，成果不存在知识产权争议，除文中已经注明引用的内容外，本论文不含任何其他个人或集体已经发表或创作过的作品成果。对本文工作做出重要贡献的个人和集体均已在文中以明确方式标明。本人完全意识到本声明的法律结果由本人承担。 本科毕业论文（设计）作者签名： 二〇一五年五月二十一日  摘 要 从每年儿童因意外伤害、意外重疾甚至意外死亡的惊人数据可以推知商业保险对我国儿童的重要性。意外伤害风险、意外疾病风险和意外死亡风险是儿童成长历程中最大的风险，当儿童发生各种意外，却没有儿童保险为儿童带来的经济保障，对很多收入中低的家庭，显然会酿成灾难性后果。同时儿童在成长过程中，教育成本依旧巨大且每年仍在增长，若中国家庭不能提前为儿童购买儿童教育保险为儿童的教育提供经济保障，若家庭中途发生意外不能为儿童提供教育资金，将会直接影响儿童的受教育水平。若儿童父母不懂得根据儿童需要，为儿童选择性购买商业保险，必将为儿童健康成长埋下隐患，本次论文，我将在介绍儿童商业保险的同时，站在父母的角度为中国家庭提供选择性购买儿童保险的操作建议。 关键词：儿童意外保险；儿童医疗保险；儿童教育保险 ABSTRACT From the annual children due to accidental injury, illness or accident alarming data of accidental death can infer the importance of commercial insurance to children in china. The risk of accidental injury, accident risk of disease and death risk is the biggest risk in the course of childrens growth, when the accidents of children, but not childrens insurance financial security for children from low income families, for many, will obviously lead to disastrous consequences. At the same time, children in 、the growth process, the cost of education is still huge and still growing every year, if not ahead of China family education of children for children to buy insurance to 、provide financial security for the education of children, if the family midway accident can not provide funding for education for children, will directly affect the childs level of education. If the children of parents do not know according to the needs of children, for children to buy commercial insurance will be selectively, a hidden danger for the healthy growth of children, in this paper, I will introduce children to commercial insurance at the same time, suggest operation station in the perspective of parents to provide s