保险学论文wwdfzzep.docxVIP

【中文摘要】个人理财是对个人或家庭财务进行配置或管理活动，目的是从财务上合理安排生活、提供经济保障、实现资产的保值增值。在我国，一方面居民收入和个人资产有了很大提高，但理财手段有限、资产保值增值能力弱，加之经济转轨带来的不确定性预期，居民对个人理财的需求日益增长，另一方面，随着我国社会体制的改革，国家和企业对职工包揽一切的做法成为历史，社会保障体系逐步从过去的现收现付制转向部分积累制，公费医疗正逐渐取消，失业、下岗、通货膨胀已成为人们熟悉的经济现象。再加上老龄化问题的突出以及家庭规模小型化等现象的出现，使得人们对商业保险越来越重视。人身保险以其能够提供保障、转移风险的特征成为了解这些问题不可或缺的一部分。 目前，国内个人理财市场方兴未艾，客户的理财需求日益增长，人身保险业提供个人理财规划服务是市场竞争的必然结果。国际同业的个人理财服务已经蔚然成风，国内保险界也开始积极探索中国特色的个人理财服务模式。从长远看，人身保险业开展个人理财服务将对人身保险业产生积极影响，为人身保险公司、代理人及中介机构、人身保险客户带来多赢结果。未来几年，我国人身保险业的个人理财服务将呈现出新趋势，进一步推动我国保险市场的健康、持续、快速发展。 本文首先介绍了人身保险理财及我国人身保险理财的发展。从理论出发，让人们了解什么是人身保险理财以及人身保险理财的内容，了解人身保险理财产品以及人身保险理财的理论基础，通过对这些内容的了解，认识到人身保险理财的重要性及可行性。然后介绍了人身保险理财优势及理财功能的分析，通过对比其他理财产品，体现人身保险理财的特殊方式和长久性的投资及特殊的收益方式。同时，提出了我国人身保险理财发展中存在的问题及现状，利用合理的解决对策，解决我国现在所处的保险理财发展阶段的实际问题，进而，是我国保险业能够健康可持续性的发展。 【关键词】人身保险理财；人身保险产品；理财需求；人身保险业 【Abstract】Personal finance is to configure or for personal or family financial management activities, the purpose is from the financial and reasonable arrangement of life, to provide economic security, realize the asset value. In our country, on the one hand, individual income and assets have been greatly improved, but limited financial means, the weak ability of asset, the uncertainty and the expectation of economic transition brings, needs of the residents of personal finance is growing, on the other hand, with the reform of Chinas social system, the state and enterprises to do everything the practice of history, the social security system gradually from the past the PAYG system to the partially funded system, free medical service is gradually cancel, unemployment, inflation has become an economic phenomenon, people familiar with the. There is outstanding and the small size of the family phenomena such as coupled with the aging problem, make people more pay attention to commercial insurance. Life insurance can provide protection to the characteristics, the transfer of risk has become a part of these problems are indispensable to understand. At present, domestic personal f