人壽保險在個人理財規(guī)劃中的功能及應(yīng)用研究.rar
人壽保險在個人理財規(guī)劃中的功能及應(yīng)用研究,目錄摘要 iiabstract iii引 言 11個人理財規(guī)劃和人壽保險綜述 21.1 個人理財規(guī)劃 21.1.1 個人理財規(guī)劃的含義 21.1.2 個人理財業(yè)務(wù)在我國的發(fā)展現(xiàn)狀 21.2 人壽保險 32 人壽保險在個人理財規(guī)劃中的功能 42.1 人壽保險在個人理財規(guī)劃中的功能 ...
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原文檔由會員 bshhty 發(fā)布
人壽保險在個人理財規(guī)劃中的功能及應(yīng)用研究
目錄
摘要 II
Abstract III
引 言 1
1個人理財規(guī)劃和人壽保險綜述 2
1.1 個人理財規(guī)劃 2
1.1.1 個人理財規(guī)劃的含義 2
1.1.2 個人理財業(yè)務(wù)在我國的發(fā)展現(xiàn)狀 2
1.2 人壽保險 3
2 人壽保險在個人理財規(guī)劃中的功能 4
2.1 人壽保險在個人理財規(guī)劃中的功能 4
2.1.1 人壽保險的保障理財功能 4
2.1.2 人壽保險的投資理財功能 5
3 人壽保險在個人理財規(guī)劃中的應(yīng)用 6
3.1 基于生命周期理論的人壽保險應(yīng)用 6
3.1.1 生命周期理財理論 6
3.2 人壽保險在子女教育規(guī)劃中的應(yīng)用 6
3.2.1 子女教育準備金的特點 6
3.2.2 教育保險的優(yōu)勢 7
3.3 人壽保險在退休養(yǎng)老規(guī)劃中的應(yīng)用 7
3.3.1 退休養(yǎng)老規(guī)劃的必要性 7
3.3.3 退休養(yǎng)老規(guī)劃的步驟 8
4 壽險用于個人理財規(guī)劃存在的問題及建議 9
4.1 壽險用于個人理財規(guī)劃存在的問題 9
4.1.1消費者壽險理財意識不充分 9
4.1.2 保險公司產(chǎn)品優(yōu)勢不突出 9
4.1.3 養(yǎng)老保險缺乏稅收優(yōu)惠 9
4.2 完善壽險用于個人理財規(guī)劃的建議 10
4.2.1消費者要合理利用壽險理財 10
4.2.2 提高產(chǎn)品創(chuàng)新能力 10
4.2.3 明確養(yǎng)老保險稅收優(yōu)惠 10
結(jié)論 12
參考文獻 13
致謝 15
摘 要
隨著我國經(jīng)濟的快速增長、社會的進步，個人收入大幅度提高并且呈現(xiàn)出集中趨勢，人們對于個人財富的態(tài)度、觀念和處理方式與過去相比發(fā)生了很大的變化，個人理財逐漸成為人們關(guān)注的焦點。而人壽保險作為經(jīng)濟補償，資金融通和社會管理的重要手段，在國民經(jīng)濟生活中的地位越來越重要。人壽保險，是一種風險管理的重要手段，也是一種專門用于化解和防范風險的理財工具，研究人壽保險在個人理財規(guī)劃中的應(yīng)用具有一定的現(xiàn)實意義。
本文首先介紹了個人理財規(guī)劃和人壽保險的基本知識，然后分析了人壽保險在個人理財規(guī)劃中的功能，在個人理財規(guī)劃中，人壽保險除了有最基本的保障功能之外，還有投資功能和節(jié)稅避稅功能。其次，通過對人壽保險在人生不同階段的理財規(guī)劃及子女教育規(guī)劃、退休養(yǎng)老規(guī)劃中的應(yīng)用研究，指出其在應(yīng)用過程中存在的問題，包括消費者對人壽保險理財意識不充分、人壽保險產(chǎn)品創(chuàng)新能力不足，產(chǎn)品雷同，并提出了自己的一些建議。
關(guān)鍵詞：人壽保險；個人理財規(guī)劃；功能；應(yīng)用
Abstract
With China's rapid economic growth, the progress of the society, the personal income substantially improve and presents concentration trend and people for personal wealth attitude, concept and treatment compared with past has changed very greatly, personal finance gradually become the focus of attention. But life insurance as economic compensation, the financing and social management important means, in the national economy is becoming more and more important in life. Life insurance, it is a kind of important means of risk management, also is a kind of special used to dissolve and risk prevention financial tools, study life insurance in individual financial planning application has certain practical significance.
This paper firstly introduces personal financial planning and life insurance basic knowledge, then analyzes life-insurance in individual financial planning in the function, in individual financial planning, life insurance except there is the most basic safeguard function, but also the investment function and tax savings tax avoidance function. Secondly, through to the life insurance in life different stages of the financial planning and children education planning, retirement pension plan, points out its application research in the application process in existing problems, including consumer to life-insurance managing finances consciousness not fully, life insurance product innovation ability is insufficient, the products identical and puts forward his own some Suggestions
Keywords: The Life Insurance; Personal financial planning; Function; Application
目錄
摘要 II
Abstract III
引 言 1
1個人理財規(guī)劃和人壽保險綜述 2
1.1 個人理財規(guī)劃 2
1.1.1 個人理財規(guī)劃的含義 2
1.1.2 個人理財業(yè)務(wù)在我國的發(fā)展現(xiàn)狀 2
1.2 人壽保險 3
2 人壽保險在個人理財規(guī)劃中的功能 4
2.1 人壽保險在個人理財規(guī)劃中的功能 4
2.1.1 人壽保險的保障理財功能 4
2.1.2 人壽保險的投資理財功能 5
3 人壽保險在個人理財規(guī)劃中的應(yīng)用 6
3.1 基于生命周期理論的人壽保險應(yīng)用 6
3.1.1 生命周期理財理論 6
3.2 人壽保險在子女教育規(guī)劃中的應(yīng)用 6
3.2.1 子女教育準備金的特點 6
3.2.2 教育保險的優(yōu)勢 7
3.3 人壽保險在退休養(yǎng)老規(guī)劃中的應(yīng)用 7
3.3.1 退休養(yǎng)老規(guī)劃的必要性 7
3.3.3 退休養(yǎng)老規(guī)劃的步驟 8
4 壽險用于個人理財規(guī)劃存在的問題及建議 9
4.1 壽險用于個人理財規(guī)劃存在的問題 9
4.1.1消費者壽險理財意識不充分 9
4.1.2 保險公司產(chǎn)品優(yōu)勢不突出 9
4.1.3 養(yǎng)老保險缺乏稅收優(yōu)惠 9
4.2 完善壽險用于個人理財規(guī)劃的建議 10
4.2.1消費者要合理利用壽險理財 10
4.2.2 提高產(chǎn)品創(chuàng)新能力 10
4.2.3 明確養(yǎng)老保險稅收優(yōu)惠 10
結(jié)論 12
參考文獻 13
致謝 15
摘 要
隨著我國經(jīng)濟的快速增長、社會的進步，個人收入大幅度提高并且呈現(xiàn)出集中趨勢，人們對于個人財富的態(tài)度、觀念和處理方式與過去相比發(fā)生了很大的變化，個人理財逐漸成為人們關(guān)注的焦點。而人壽保險作為經(jīng)濟補償，資金融通和社會管理的重要手段，在國民經(jīng)濟生活中的地位越來越重要。人壽保險，是一種風險管理的重要手段，也是一種專門用于化解和防范風險的理財工具，研究人壽保險在個人理財規(guī)劃中的應(yīng)用具有一定的現(xiàn)實意義。
本文首先介紹了個人理財規(guī)劃和人壽保險的基本知識，然后分析了人壽保險在個人理財規(guī)劃中的功能，在個人理財規(guī)劃中，人壽保險除了有最基本的保障功能之外，還有投資功能和節(jié)稅避稅功能。其次，通過對人壽保險在人生不同階段的理財規(guī)劃及子女教育規(guī)劃、退休養(yǎng)老規(guī)劃中的應(yīng)用研究，指出其在應(yīng)用過程中存在的問題，包括消費者對人壽保險理財意識不充分、人壽保險產(chǎn)品創(chuàng)新能力不足，產(chǎn)品雷同，并提出了自己的一些建議。
關(guān)鍵詞：人壽保險；個人理財規(guī)劃；功能；應(yīng)用
Abstract
With China's rapid economic growth, the progress of the society, the personal income substantially improve and presents concentration trend and people for personal wealth attitude, concept and treatment compared with past has changed very greatly, personal finance gradually become the focus of attention. But life insurance as economic compensation, the financing and social management important means, in the national economy is becoming more and more important in life. Life insurance, it is a kind of important means of risk management, also is a kind of special used to dissolve and risk prevention financial tools, study life insurance in individual financial planning application has certain practical significance.
This paper firstly introduces personal financial planning and life insurance basic knowledge, then analyzes life-insurance in individual financial planning in the function, in individual financial planning, life insurance except there is the most basic safeguard function, but also the investment function and tax savings tax avoidance function. Secondly, through to the life insurance in life different stages of the financial planning and children education planning, retirement pension plan, points out its application research in the application process in existing problems, including consumer to life-insurance managing finances consciousness not fully, life insurance product innovation ability is insufficient, the products identical and puts forward his own some Suggestions
Keywords: The Life Insurance; Personal financial planning; Function; Application
