如何选择理财保险产品
发布时间：2018-10-15 06:45
【摘要】：随着人们收入水平的日益提高及经济生活范围的扩大,保险对于人们防范可预料的风险,有着极其重要的意义。它可以在风险发生的时候减少投保人的财产损失,增强人们抵抗风险的能力。近些年来,理财保险在保险行业当中异军突起,成为各大保险公司争先发展的领域。理财保险兼有保障和投资两种功能,对投保人具有较强的吸引力。以往关于保险的研究工作,特别是关于理财类保险的研究工作,大多数都是从公司和社会的角度出发去进行研究的,从投保人的角度进行研究的的工作很少。本文试从投保人的角度出发探讨如何优化选择理财保险问题。全文共分五章。第一章,简单介绍保险的意义与背景,保险业最基本的知识,当前我国保险业的发展状况,以及相关研究动态,并说明将要进行的工作。第二章较详细介绍理财保险的基本理念,及其对于当前社会和投保人的重要意义,与当前的有关研究动态。第三章是本文最为重要的内容,讨论保单调查(搞清楚市场状况和备选保单的有关规则)与保单评估。简述保单调查与保单评估对于投保人选择理财保险的重要性。说明在保单调查过程中需着重注意的一些问题。根据保险精算原理,建立一种保单评估的方法,即一种利用生命统计表计算给定保单的趸交保费,保险金现值的数学期望,附加费用和赢利期望等的方法;以及一种利用生命统计表计算给定保单的赢利方差并进行投资风险分析的方法。通过对中国人寿的“鑫福一生”,中国平安的“尊宏人生”和太平洋保险公司的“幸福相伴”三个理财保单的实例剖析与评估进一步讲述如何调查与评估理财保单。第四章建议投保人通过保单调查,保单比较,公司比较,自我分析和综合评估的过程进行选择保单。讲述如何进行公司分析,如何进行自我分析。引入收支比、预期余命等概念,建立一种基于多种统计指标与保险精算所得指标进行综合评估的数学模型。第五章总结全文,概括性地描述所做的工作,指出所存在的不足之处,提出有待进一步研究的问题,并抒发笔者对于今后发展的有关展望。
[Abstract]:With the increasing increase of people's income level and the expansion of economic life scope, insurance is of great significance for people to guard against predictable risks. It can reduce the property loss of the insured when the risk occurs, and enhance the ability of people to resist the risk. In recent years, wealth-management insurance has emerged in the insurance industry, becoming the first field of development of major insurance companies. The financial management insurance has the function of protection and investment, and has strong attraction to the policy-holder. In the past, the research work on insurance, especially on financial insurance, is mostly from the point of view of company and society, but rarely from the angle of policy holder. This paper tries to discuss how to optimize the choice of financial insurance from the point of view of the insured. The full text is divided into five chapters. The first chapter briefly introduces the significance and background of insurance industry, the basic knowledge of insurance industry, the current development of insurance industry in China, and related research trends, and describes the work to be carried out. The second chapter introduces in detail the basic concept of financial insurance and its significance for the current society and policy holders, and the current research trends. The third chapter is the most important content of this paper, which discusses the policy survey (to find out the market situation and the relevant rules of alternative policies) and policy evaluation. This paper briefly describes the importance of policy investigation and policy evaluation for policyholders to choose financial insurance. Explain some problems that should be paid attention to in the process of policy investigation. According to the principle of actuarial insurance, a method of policy evaluation is established, that is, a method of calculating the mathematical expectation, additional cost and profit expectation of the present value of insurance premium, premium and profit of a given policy by using the life statistics table. And a method to calculate the profit variance of a given policy and to analyze the investment risk by using the life statistics. Through the analysis and evaluation of China Life Insurance's Xinfu Life, China Ping an's Zun Hong Life and Pacific Insurance Company's Happiness accompanying three financial policies, this paper further discusses how to investigate and evaluate the financial policies. Chapter four suggests that policy holders choose policies through the process of policy investigation, policy comparison, company comparison, self-analysis and comprehensive evaluation. Describe how to conduct company analysis, how to conduct self-analysis. This paper introduces the concepts of income and expenditure ratio and expected life to establish a mathematical model for comprehensive evaluation based on a variety of statistical indicators and actuarial income indicators. The fifth chapter summarizes the full text, describes the work done in a general way, points out the shortcomings, puts forward the problems to be further studied, and expresses the author's prospects for the future development.
【学位授予单位】：沈阳师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6
本文编号：2271704
[Abstract]:With the increasing increase of people's income level and the expansion of economic life scope, insurance is of great significance for people to guard against predictable risks. It can reduce the property loss of the insured when the risk occurs, and enhance the ability of people to resist the risk. In recent years, wealth-management insurance has emerged in the insurance industry, becoming the first field of development of major insurance companies. The financial management insurance has the function of protection and investment, and has strong attraction to the policy-holder. In the past, the research work on insurance, especially on financial insurance, is mostly from the point of view of company and society, but rarely from the angle of policy holder. This paper tries to discuss how to optimize the choice of financial insurance from the point of view of the insured. The full text is divided into five chapters. The first chapter briefly introduces the significance and background of insurance industry, the basic knowledge of insurance industry, the current development of insurance industry in China, and related research trends, and describes the work to be carried out. The second chapter introduces in detail the basic concept of financial insurance and its significance for the current society and policy holders, and the current research trends. The third chapter is the most important content of this paper, which discusses the policy survey (to find out the market situation and the relevant rules of alternative policies) and policy evaluation. This paper briefly describes the importance of policy investigation and policy evaluation for policyholders to choose financial insurance. Explain some problems that should be paid attention to in the process of policy investigation. According to the principle of actuarial insurance, a method of policy evaluation is established, that is, a method of calculating the mathematical expectation, additional cost and profit expectation of the present value of insurance premium, premium and profit of a given policy by using the life statistics table. And a method to calculate the profit variance of a given policy and to analyze the investment risk by using the life statistics. Through the analysis and evaluation of China Life Insurance's Xinfu Life, China Ping an's Zun Hong Life and Pacific Insurance Company's Happiness accompanying three financial policies, this paper further discusses how to investigate and evaluate the financial policies. Chapter four suggests that policy holders choose policies through the process of policy investigation, policy comparison, company comparison, self-analysis and comprehensive evaluation. Describe how to conduct company analysis, how to conduct self-analysis. This paper introduces the concepts of income and expenditure ratio and expected life to establish a mathematical model for comprehensive evaluation based on a variety of statistical indicators and actuarial income indicators. The fifth chapter summarizes the full text, describes the work done in a general way, points out the shortcomings, puts forward the problems to be further studied, and expresses the author's prospects for the future development.
【学位授予单位】：沈阳师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6
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