人壽保險(xiǎn)在個(gè)人理財(cái)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(gè)人理財(cái)規(guī)劃和人壽保險(xiǎn)綜述 2
1.1 個(gè)人理財(cái)規(guī)劃 2
1.1.1 個(gè)人理財(cái)規(guī)劃的含義 2
1.1.2 個(gè)人理財(cái)業(yè)務(wù)在我國(guó)的發(fā)展現(xiàn)狀 2
1.2 人壽保險(xiǎn) 3
2 人壽保險(xiǎn)在個(gè)人理財(cái)規(guī)劃中的功能 4
2.1 人壽保險(xiǎn)在個(gè)人理財(cái)規(guī)劃中的功能 4
2.1.1 人壽保險(xiǎn)的保障理財(cái)功能 4
2.1.2 人壽保險(xiǎn)的投資理財(cái)功能 5
3 人壽保險(xiǎn)在個(gè)人理財(cái)規(guī)劃中的應(yīng)用 6
3.1 基于生命周期理論的人壽保險(xiǎn)應(yīng)用 6
3.1.1 生命周期理財(cái)理論 6
3.2 人壽保險(xiǎn)在子女教育規(guī)劃中的應(yīng)用 6
3.2.1 子女教育準(zhǔn)備金的特點(diǎn) 6
3.2.2 教育保險(xiǎn)的優(yōu)勢(shì) 7
3.3 人壽保險(xiǎn)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(xiǎn)用于個(gè)人理財(cái)規(guī)劃存在的問題及建議 9
4.1 壽險(xiǎn)用于個(gè)人理財(cái)規(guī)劃存在的問題 9
4.1.1消費(fèi)者壽險(xiǎn)理財(cái)意識(shí)不充分 9
4.1.2 保險(xiǎn)公司產(chǎn)品優(yōu)勢(shì)不突出 9
4.1.3 養(yǎng)老保險(xiǎn)缺乏稅收優(yōu)惠 9
4.2 完善壽險(xiǎn)用于個(gè)人理財(cái)規(guī)劃的建議 10
4.2.1消費(fèi)者要合理利用壽險(xiǎn)理財(cái) 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(xiǎn)稅收優(yōu)惠 10
結(jié)論 12
參考文獻(xiàn) 13
致謝 15

摘 要
隨著我國(guó)經(jīng)濟(jì)的快速增長(zhǎng)、社會(huì)的進(jìn)步，個(gè)人收入大幅度提高并且呈現(xiàn)出集中趨勢(shì)，人們對(duì)于個(gè)人財(cái)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(gè)人理財(cái)逐漸成為人們關(guān)注的焦點(diǎn)。而人壽保險(xiǎn)作為經(jīng)濟(jì)補(bǔ)償，資金融通和社會(huì)管理的重要手段，在國(guó)民經(jīng)濟(jì)生活中的地位越來越重要。人壽保險(xiǎn)，是一種風(fēng)險(xiǎn)管理的重要手段，也是一種專門用于化解和防范風(fēng)險(xiǎn)的理財(cái)工具，研究人壽保險(xiǎn)在個(gè)人理財(cái)規(guī)劃中的應(yīng)用具有一定的現(xiàn)實(shí)意義。
本文首先介紹了個(gè)人理財(cái)規(guī)劃和人壽保險(xiǎn)的基本知識(shí)，然后分析了人壽保險(xiǎn)在個(gè)人理財(cái)規(guī)劃中的功能，在個(gè)人理財(cái)規(guī)劃中，人壽保險(xiǎn)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(duì)人壽保險(xiǎn)在人生不同階段的理財(cái)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(fèi)者對(duì)人壽保險(xiǎn)理財(cái)意識(shí)不充分、人壽保險(xiǎn)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(xiǎn)；個(gè)人理財(cái)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