摘 要 随着我国经济的快速发展、社会的进步,不论是个人,还是家庭财富都大幅度增加并呈现出集中的趋势,人们对财富的态度、观念和处理方式随之与过去相比发生了很大的变化,投资理财已逐渐成为人们关注的焦点。投资理财是针对财富在风险可控的情况下进行有效投资,实现财富保值增值的过程,如储蓄投资、股票投资,外汇、保险投资等。作为风险管理的重要手段和投资理财的重要组成部分,保险在社会和经济发展中发挥着越来越重要的作用,因此研究保险理财具有一定的现实意义。 本文就保险投资理财作了一定的研究,在分析保险理财现状的基础上,分析了存在的问题和不足,探索如何合理安排和规划,防范和避免因疾病或灾难等而带来的财务困难,同时使自己现有的资产获得理想的保值增值。
关键词:保险理财 收益 风险
Abstract
Both personal income and family income are rising across the board with the rapid development of economy and the progress of modern society in our country. And it calls for great changes of
people's attitude, ideas and treatment as compared to the past. As a result, investment and financing have become a focus.Investment financing is the process of preserving and increasing the value of the wealth thought handling effective investment on the venture of individual assets, such as saving investment, stock investment, foreign currency investment, insurance investment, etc. As an important method of risk control and main component of investment financing, insurance plays an increasingly important role in the development of society and economy. Therefore, it is practical significance to study its application in investment financing.
The writer does some investigation on insurance investment. On the basis of present insurance investment status, he points out existing problems and shortage. Besides, the measures which can help manage and plan insurement investment rationally are sought. Under these measures, the financial difficulties brought from diseases and disaster can be avoided and the value of assets will be preserved andincreased considerably.
Keywords:
Insurance financial income risk
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