基于生命周期理财理论的保险理财研究
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I
摘要
由于我国个人保险理财处于发展的起步阶段，生命周期理财理论在业务中 应用不充分，因此，本文依据现状分析结论并结合原因，提出以生命周期理财 理论来指导个人保险理财业务的供给双方，保险公司根据客户生命周期进行市 场细分并提供差异性服务，居民根据自己的生命周期了解保险需求，从而科学、 合理的购买保险。 关键词：个人理财；保险理财；生命周期理财理论
Through research, this article believe that my personal finance and insurance business of supply side and demand side in practice reflect the life-cycle thinking to some extent, insurance on insurance companies in the design product for different target provides different types of insurance and insurance period; less revenue when
Because in China personal insurance financial is development of started stage, life cycle financial theory in business in the application does not full, therefore, this article pursuant to status analysis conclusions and combination causes, made to life cycle financial theory to guidance personal insurance financial business of supply both, insurance company under customer life cycle for market subdivision and provides differences sexual service, residents under own of life cycle understanding insurance demand, to science, and reasonable of purchase insurance. Keywords: personal financial planning; insurance financial planning; Life-cycle
II
Abstract
Abstract
Insurance finance is a part of personal finance is an indispensable to meet people, investment protection and avoidance of risks, and many other needs. In recent years, the great development of China's finance and insurance market, premium income and insurance density has increased insurance coverage increasingly into financial hot spots and consumption trend. But at the moment only in our personal finance and insurance business development initial stage, there exist many problems in the actual business operation process, so this article respectively on financing business of supply side and demand side analysis, identify problems and to analyze the reasons, so as to make relevant suggestions and direction for the future development of personal finance and insurance business direction.
This article first review at home and abroad related life cycle financial theory and insurance financial of literature information, then in describes life cycle financial and insurance financial of theory Foundation Shang, analysis in China personal insurance financial business status, which, analysis status Shi from supply party and demand party to for analysis, test actual business operation is and theory advocated match, made exists problem and on causes for analysis, last for problem respectively on supply and demand both made related countermeasures recommendations.
Originated in the insurance life cycle of financial theory people separately at different stages of life of different insurance plans, that income levels at different stagHale Waihona Puke Baidus of life, the family burdens and risks are different, for specific situations need to be scientific and reasonable insurance planning; insurance companies should be brought into full play the life cycle of important guiding significance of the theory of financial management, to provide customers throughout the life cycle of financing business. Therefore, this article describes the life cycle of insurance on the basis of principles of financial management on the existing supply and demand of China's insurance financial services to analyze the application of life cycle theory of financial management, verify that theory is consistent with the actual.
III
Abstract
customers purchase insurance, the burden of the family insurance needs of small, whereas insurance needs. But life cycle financial theory in China of personal insurance financial business in the also no are full application, insurance company no for customer of different life cycle for market subdivision, is not do under different life cycle provides differences sexual service, caused same Zhang policy applies Yu any customer of situation appears; residents no under own of life cycle science purchase insurance, caused last buy to of products not own by need of.
云南财经大学 硕士学位论文 基于生命周期理财理论的保险理财研究 姓名：杨承英 申请学位级别：硕士 专业：金融理财 指导教师：赵越
2011-03
摘要
摘要
保险理财是个人理财中不可缺少的一部分，可满足人们对风险保障、投资 及避税等多方面的需求。近年来，我国保险理财市场得到巨大发展，保费收入 和保险密度成倍增加，购买保险日渐成为人们的理财热点和消费时尚。但目前 我国的个人保险理财业务仅仅处于发展起步阶段，在实际业务操作过程中存在 诸多问题，因此，本文分别对理财业务的供给方与需求方进行现状分析，发现 存在问题并对原因进行分析，从而提出相关对策建议，为个人保险理财业务未 来发展方向指明方向。
起源于保险的生命周期理财理论主张人们根据人生的不同阶段分别进行不 同的保险规划，认为人生不同阶段收入水平、家庭负担及面临的风险都不同， 需要针对具体情况进行科学、合理的保险规划；保险公司应充分发挥生命周期 理财理论的重要指导意义，为客户提供贯穿整个生命周期的理财业务。因此， 本文在介绍各生命周期的保险理财原理的基础上，对目前我国保险理财业务的 供给方和需求方对生命周期理财理论的应用情况进行分析，检验理论是否与实 际相符。
finance theory
IV
学位论文原创性声明
声明：本人所呈交的学位论文，是本人在导师的指导下，独立 进行研究工作所取得的成果。尽我所知，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撰写过的作品成 果。对本文的研究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。
本文首先回顾国内外相关生命周期理财理论和保险理财的文献资料，接着 在介绍生命周期理财与保险理财的理论基础上，分析我国个人保险理财业务现 状，其中，分析现状时从供给方与需求方来进行分析，检验实际业务操作是否 与理论主张相符，提出存在问题并对原因进行分析，最后针对问题分别对供需 双方提出相关对策建议。
通过研究，本文认为我国个人保险理财业务的供给方和需求方在实际操作 中一定程度上体现生命周期的思想，保险公司在设计产品时针对不同的投保目 标提供不同类型的保险并且具备不同保险期限；客户在购买保险时收入少、家 庭负担轻的保险需求小，反之保险需求大。但是生命周期理财理论在我国的个 人保险理财业务中还没有得到充分应用，保险公司没有针对客户的不同生命周 期进行市场细分，未做到根据不同生命周期提供差异性服务，造成同一张保单 适用于任何客户的局面出现；居民没有根据自己的生命周期科学购买保险，造 成最后买到的产品不是自己所需要的。
摘要
由于我国个人保险理财处于发展的起步阶段，生命周期理财理论在业务中 应用不充分，因此，本文依据现状分析结论并结合原因，提出以生命周期理财 理论来指导个人保险理财业务的供给双方，保险公司根据客户生命周期进行市 场细分并提供差异性服务，居民根据自己的生命周期了解保险需求，从而科学、 合理的购买保险。 关键词：个人理财；保险理财；生命周期理财理论
Through research, this article believe that my personal finance and insurance business of supply side and demand side in practice reflect the life-cycle thinking to some extent, insurance on insurance companies in the design product for different target provides different types of insurance and insurance period; less revenue when
Because in China personal insurance financial is development of started stage, life cycle financial theory in business in the application does not full, therefore, this article pursuant to status analysis conclusions and combination causes, made to life cycle financial theory to guidance personal insurance financial business of supply both, insurance company under customer life cycle for market subdivision and provides differences sexual service, residents under own of life cycle understanding insurance demand, to science, and reasonable of purchase insurance. Keywords: personal financial planning; insurance financial planning; Life-cycle
II
Abstract
Abstract
Insurance finance is a part of personal finance is an indispensable to meet people, investment protection and avoidance of risks, and many other needs. In recent years, the great development of China's finance and insurance market, premium income and insurance density has increased insurance coverage increasingly into financial hot spots and consumption trend. But at the moment only in our personal finance and insurance business development initial stage, there exist many problems in the actual business operation process, so this article respectively on financing business of supply side and demand side analysis, identify problems and to analyze the reasons, so as to make relevant suggestions and direction for the future development of personal finance and insurance business direction.
This article first review at home and abroad related life cycle financial theory and insurance financial of literature information, then in describes life cycle financial and insurance financial of theory Foundation Shang, analysis in China personal insurance financial business status, which, analysis status Shi from supply party and demand party to for analysis, test actual business operation is and theory advocated match, made exists problem and on causes for analysis, last for problem respectively on supply and demand both made related countermeasures recommendations.
Originated in the insurance life cycle of financial theory people separately at different stages of life of different insurance plans, that income levels at different stagHale Waihona Puke Baidus of life, the family burdens and risks are different, for specific situations need to be scientific and reasonable insurance planning; insurance companies should be brought into full play the life cycle of important guiding significance of the theory of financial management, to provide customers throughout the life cycle of financing business. Therefore, this article describes the life cycle of insurance on the basis of principles of financial management on the existing supply and demand of China's insurance financial services to analyze the application of life cycle theory of financial management, verify that theory is consistent with the actual.
III
Abstract
customers purchase insurance, the burden of the family insurance needs of small, whereas insurance needs. But life cycle financial theory in China of personal insurance financial business in the also no are full application, insurance company no for customer of different life cycle for market subdivision, is not do under different life cycle provides differences sexual service, caused same Zhang policy applies Yu any customer of situation appears; residents no under own of life cycle science purchase insurance, caused last buy to of products not own by need of.
云南财经大学 硕士学位论文 基于生命周期理财理论的保险理财研究 姓名：杨承英 申请学位级别：硕士 专业：金融理财 指导教师：赵越
2011-03
摘要
摘要
保险理财是个人理财中不可缺少的一部分，可满足人们对风险保障、投资 及避税等多方面的需求。近年来，我国保险理财市场得到巨大发展，保费收入 和保险密度成倍增加，购买保险日渐成为人们的理财热点和消费时尚。但目前 我国的个人保险理财业务仅仅处于发展起步阶段，在实际业务操作过程中存在 诸多问题，因此，本文分别对理财业务的供给方与需求方进行现状分析，发现 存在问题并对原因进行分析，从而提出相关对策建议，为个人保险理财业务未 来发展方向指明方向。
起源于保险的生命周期理财理论主张人们根据人生的不同阶段分别进行不 同的保险规划，认为人生不同阶段收入水平、家庭负担及面临的风险都不同， 需要针对具体情况进行科学、合理的保险规划；保险公司应充分发挥生命周期 理财理论的重要指导意义，为客户提供贯穿整个生命周期的理财业务。因此， 本文在介绍各生命周期的保险理财原理的基础上，对目前我国保险理财业务的 供给方和需求方对生命周期理财理论的应用情况进行分析，检验理论是否与实 际相符。
finance theory
IV
学位论文原创性声明
声明：本人所呈交的学位论文，是本人在导师的指导下，独立 进行研究工作所取得的成果。尽我所知，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撰写过的作品成 果。对本文的研究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。
本文首先回顾国内外相关生命周期理财理论和保险理财的文献资料，接着 在介绍生命周期理财与保险理财的理论基础上，分析我国个人保险理财业务现 状，其中，分析现状时从供给方与需求方来进行分析，检验实际业务操作是否 与理论主张相符，提出存在问题并对原因进行分析，最后针对问题分别对供需 双方提出相关对策建议。
通过研究，本文认为我国个人保险理财业务的供给方和需求方在实际操作 中一定程度上体现生命周期的思想，保险公司在设计产品时针对不同的投保目 标提供不同类型的保险并且具备不同保险期限；客户在购买保险时收入少、家 庭负担轻的保险需求小，反之保险需求大。但是生命周期理财理论在我国的个 人保险理财业务中还没有得到充分应用，保险公司没有针对客户的不同生命周 期进行市场细分，未做到根据不同生命周期提供差异性服务，造成同一张保单 适用于任何客户的局面出现；居民没有根据自己的生命周期科学购买保险，造 成最后买到的产品不是自己所需要的。