0316论商业保险在家庭理财中的地位和作用

论商业保险在家庭理财中的地位和作用

摘要

有关保险知识的书籍可谓汗牛充栋，论述保险投资的书籍也很多，但这些研究大都站在保险公司的立场上，对保险公司的保险资金运用及风险评估进行论述。然而站在一个家庭的角度，论述家庭如何通过保险进行理财的文章就相对较少，进一步论述分析保险产品，如何发挥保险优势，降低投资风险的著作更是少之又少。

各种商业保险在国内的开展，为家庭找到了一种新型的投资渠道。显然，在家庭投资组合中缺少人身保险的内容，从一定意义上讲，是不够完备的。而国内对于商业保险进入家庭理财，相关的介绍和分析还较少，国人对其也知之甚少。本文将对商业保险的发展，特点及其各种类型进行初步的介绍和分析。

本文首先对商业保险进行了详细介绍，对它的定义做了说明，列举了它的特征，并且介绍了它与社会保险之间的区别。接下来，对商业保险在家庭理财中的作用从两方面作了说明。在第四章，对不同时期和不同消费方式如何进行保险理财做了详细的介绍。关键词：商业保险，家庭理财，收益

Abstract

Knowledge of the insurance can be described as voluminous book discusses the insurance, investment, there are many books, but most of these studies stand in the position of insurance companies on the use of insurance funds of insurance companies and risk assessment discussion. However, standing in a family perspective, discusses how the family financial management of insurance covering the article on the relatively small, further discourse analysis of insurance products, how to play the insurance benefits, reduce investment risk and even fewer books.

A variety of commercial insurance in the country to carry out, the family found a new type of investment channels. Clearly, the lack of family life insurance portfolio content, a certain sense, is not enough to complete. Into the domestic commercial insurance for the family financial management, relevant introduction and analysis also less, people have little knowledge of its. This will be the development of commercial insurance, characteristics, and various types of initial presentation and analysis.

This article first commercial insurance are described in detail, it is explained in the definition, listed its features, and introduced it with the distinction between social insurance. Next, on the commercial insurance in the role of family financial management explained in two ways. In the fourth chapter of the different periods and different consumption patterns in how to carry out the insurance money management has done a detailed introduction. Keywords: Business Insurance, Family Financial Management, Earnings

目录

一、绪论 (4)

二、关于商业保险的基本理论 (4)

（一）商业保险的定义和特征 (4)

（二）商业保险的种类 (5)

（三）商业保险与社会保险之间的区别与联系 (6)

1.商业保险与社会保险之间的联系 (6)

2.商业保险与社会保险之间的区别 (6)

三、商业保险在家庭理财中的作用 (7)

（一）商业保险在家庭现金流管理中起着重要的作用 (7)

（二）保险理财的收益特性分析 (8)

1．保险是一种制度安排，分担政府社会保障职能 (8)

2．保险理财是合理避税的有效途径，是家庭财富积累的源泉之一 (8)

3．保险理财可以规避通胀风险及利率风险，兼具保值增值的双重功能 (9)

4．保险可为投保人提供融资渠道，具有经济附加值功能 (10)

四、如何对家庭进行保险理财 (10)

（一）处于不同时期的家庭保险理财规划方式应是不同的 (10)

1.在年轻时应选择的投保方式 (10)

2.在年老时应选择的投保方式 (12)

（二）不同生活消费方式，人们的保险理财规划也应是不同的 (12)

五、目前中国以保险为手段的理财意识与发达国家相比还有很大差距，造成这种差距的原因何在13

（一）分业经营限制 (13)

（二）理财产品局限 (14)

1.个人理财范围比较狭窄 (14)

2.理财服务产品缺乏特色 (14)

3.理财产品服务不到位 (14)

（三）专业人才匮乏 (15)

（四）政策法规方面的限制 (15)

（五）信用体制不健全 (15)

参考文献 (16)