發(fā)布時(shí)間：2018-10-15 06:45

【摘要】：隨著人們收入水平的日益提高及經(jīng)濟(jì)生活范圍的擴(kuò)大,保險(xiǎn)對(duì)于人們防范可預(yù)料的風(fēng)險(xiǎn),有著極其重要的意義。它可以在風(fēng)險(xiǎn)發(fā)生的時(shí)候減少投保人的財(cái)產(chǎn)損失,增強(qiáng)人們抵抗風(fēng)險(xiǎn)的能力。近些年來,理財(cái)保險(xiǎn)在保險(xiǎn)行業(yè)當(dāng)中異軍突起,成為各大保險(xiǎn)公司爭(zhēng)先發(fā)展的領(lǐng)域。理財(cái)保險(xiǎn)兼有保障和投資兩種功能,對(duì)投保人具有較強(qiáng)的吸引力。以往關(guān)于保險(xiǎn)的研究工作,特別是關(guān)于理財(cái)類保險(xiǎn)的研究工作,大多數(shù)都是從公司和社會(huì)的角度出發(fā)去進(jìn)行研究的,從投保人的角度進(jìn)行研究的的工作很少。本文試從投保人的角度出發(fā)探討如何優(yōu)化選擇理財(cái)保險(xiǎn)問題。全文共分五章。第一章,簡(jiǎn)單介紹保險(xiǎn)的意義與背景,保險(xiǎn)業(yè)最基本的知識(shí),當(dāng)前我國(guó)保險(xiǎn)業(yè)的發(fā)展?fàn)顩r,以及相關(guān)研究動(dòng)態(tài),并說明將要進(jìn)行的工作。第二章較詳細(xì)介紹理財(cái)保險(xiǎn)的基本理念,及其對(duì)于當(dāng)前社會(huì)和投保人的重要意義,與當(dāng)前的有關(guān)研究動(dòng)態(tài)。第三章是本文最為重要的內(nèi)容,討論保單調(diào)查(搞清楚市場(chǎng)狀況和備選保單的有關(guān)規(guī)則)與保單評(píng)估。簡(jiǎn)述保單調(diào)查與保單評(píng)估對(duì)于投保人選擇理財(cái)保險(xiǎn)的重要性。說明在保單調(diào)查過程中需著重注意的一些問題。根據(jù)保險(xiǎn)精算原理,建立一種保單評(píng)估的方法,即一種利用生命統(tǒng)計(jì)表計(jì)算給定保單的躉交保費(fèi),保險(xiǎn)金現(xiàn)值的數(shù)學(xué)期望,附加費(fèi)用和贏利期望等的方法;以及一種利用生命統(tǒng)計(jì)表計(jì)算給定保單的贏利方差并進(jìn)行投資風(fēng)險(xiǎn)分析的方法。通過對(duì)中國(guó)人壽的“鑫福一生”,中國(guó)平安的“尊宏人生”和太平洋保險(xiǎn)公司的“幸福相伴”三個(gè)理財(cái)保單的實(shí)例剖析與評(píng)估進(jìn)一步講述如何調(diào)查與評(píng)估理財(cái)保單。第四章建議投保人通過保單調(diào)查,保單比較,公司比較,自我分析和綜合評(píng)估的過程進(jìn)行選擇保單。講述如何進(jìn)行公司分析,如何進(jìn)行自我分析。引入收支比、預(yù)期余命等概念,建立一種基于多種統(tǒng)計(jì)指標(biāo)與保險(xiǎn)精算所得指標(biāo)進(jìn)行綜合評(píng)估的數(shù)學(xué)模型。第五章總結(jié)全文,概括性地描述所做的工作,指出所存在的不足之處,提出有待進(jìn)一步研究的問題,并抒發(fā)筆者對(duì)于今后發(fā)展的有關(guān)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.
【學(xué)位授予單位】：沈陽師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.6

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 馬威;程叢電;;關(guān)于一個(gè)離散盈余過程破產(chǎn)概率的上界估計(jì)[J];牡丹江師范學(xué)院學(xué)報(bào)(自然科學(xué)版);2016年04期

2 王立;呂會(huì)會(huì);;隨機(jī)利率下的壽險(xiǎn)凈保費(fèi)責(zé)任準(zhǔn)備金[J];金融經(jīng)濟(jì);2016年08期

3 項(xiàng)俊波;;經(jīng)濟(jì)新常態(tài)下我國(guó)現(xiàn)代保險(xiǎn)業(yè)的發(fā)展[J];保險(xiǎn)研究;2015年02期

4 郭振華;賀林楠;倪紅霞;;分紅型兩全保險(xiǎn)預(yù)期收益率研究——基于消費(fèi)者角度的案例分析[J];保險(xiǎn)研究;2014年01期

5 魏光瓊;徐偉良;;標(biāo)準(zhǔn)分?jǐn)?shù)在綜合評(píng)估法評(píng)標(biāo)中的應(yīng)用初探[J];工程建設(shè)與設(shè)計(jì);2013年08期

6 谷雨婷;;淺談保單選擇權(quán)的方式及其比較[J];保險(xiǎn)職業(yè)學(xué)院學(xué)報(bào);2011年05期

7 信恒占;;隨機(jī)利率下的連續(xù)型增額壽險(xiǎn)精算研究[J];統(tǒng)計(jì)與決策;2010年07期

8 許飛瓊;;商業(yè)保險(xiǎn)與社會(huì)保障關(guān)系的演進(jìn)與重構(gòu)[J];中國(guó)人民大學(xué)學(xué)報(bào);2010年02期

9 展凱;申曙光;;萬能壽險(xiǎn)內(nèi)在收益率測(cè)算與影響因素分析[J];保險(xiǎn)研究;2009年07期

10 李淑瑞;;萬能壽險(xiǎn)投資收益率確認(rèn)方法應(yīng)用分析[J];法制與社會(huì);2009年19期

相關(guān)碩士學(xué)位論文 前2條

1 張穎;壽險(xiǎn)公司投資績(jī)效比較研究[D];對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué);2015年

2 吳宇寧;中等收入群體選擇保險(xiǎn)產(chǎn)品的分析[D];華北電力大學(xué)（北京）;2006年

，

本文編號(hào)：2271704