保险课论文之保险理财产品的优势分析.docx

保险课论文
——保险理财产品的优势分析
班级：31022P
姓名：陆伟
学号：21
摘 要
随着经济的发展，人们的生活水平逐渐提高，对财富的追求大大增加。理财成为大家实现理想的最佳手段。理财产品的出现更是拓宽了人们的选择范围，各种金融机构产品层出不穷。但是，现时我国经济体系还不太不稳定，理财市场起步较晚，发展欠完善，加之国际金融风暴的冲击，人们由原来风险型投资者转变为保守型，加大了对保本型和保障性产品的需求。保险理财产品就是这样一种具有很好的保障性且能满足人们保本需要的产品。虽然，保险理财产品收益较其它理财产品低，但是它风险很低，完全能够满足人们对保本的追求。
本文主要通过对保险理财产品的介绍，加深了大家对保险产品的理解，从它的保障性、安全性、收益性等几方面分别与其它产品对比，有优势也有不足，但总体说来它又是现阶段满足人们理财需要的极佳产品。通过案例比较，总结其优势，相信大家会对它有一个更好的认识。最后，点出了保险理财产品的不足，让我们能够全面了解产品，并在以后的购买中有所帮助。
关键词：理财； 保障； 收益

Abstract
With the development of economy, People's standard of living rises gradually, The pursuit of wealth increased. Financial become the best way to realize the ideal. The appearance of the Financial products widened the scope of people ,who is choosing various financial institutions, financial products emerged in endlessly. However, in present-day China's economic system is unstable, financial market starts late, the development isn’t perfect, together with the hit of the international financial storm, original risk investors changed to conservative,the demand of the bresk-even and safeguard products increased. Insurance financial product is such a good product which can meet the needs of the people. Although, insurance financial product has a lower earnings ,it also has lower risk, , can fully satisfy the pursuit of people.
Through the introduction of insurance products,the article deepen the understanding of insurance products, compared with the other products in its supportability, safety and profitable aspects respectively, there is also insufficient, generally speaking, it is the excellent management to meet people at present. Through the comparison, summarizes its advantage, I believe we will have a better understanding on it. Finally,we pointed out the shortage of insurance products, we can fully understand the product, and help us when we purchase it .
Key Words: Finance, Security, Earnings
目 录
1前言
谈到理财，想到的不是投资，