【硕士论文】论商业保险在家庭理财中的地位和作用.doc

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 Fina