家庭保险理财现状问题调查研究——以北京市为例

Investigation and Research on the Current Situation and Problem of Family Insurance and Financial Management—Taking Beijing as an Example

保险是规避风险和进行家庭理财的有效手段之一。随着社会的发展,人们越加注重人身保障及家庭理财。为了了解家庭保险理财的现状及问题,本文在北京市地区进行相关调查所得的数据的基础上,分析居民家庭对保险的态度及认识,并提出了以下三点问题:1) 相较于人身风险规避,人们对家庭财产风险规避重视不足。2) 现今针对保险欺诈问题没有有效的防治措施。3)人们对保险的偏见仍普遍存在。针对以上问题本文提出了如下建议:a) 增强保险理财宣传力度普及保险的理财作用,同时保证宣传内容的切实性。b) 保险公司应当设立专门针对保险欺诈问题的研究机构。c) 保险行业应提高保险人员就业门槛,只有专业的保险从业者能给消费者更多的信赖。

In modern life, insurance is one of the effective means to avoid risks and carry out family financial management in modern society. With economic development and social progress, people have also paid more attention to family members’ personal security and family finances. In order to understand the status and problems of family insurance financial planning, this article analyzes the attitudes and understanding of resident on insurance, based on the data obtained from the investigation and research on family insurance in Beijing, and has the following three questions: 1) Compared to the risks of personal safety, people pay more attention to the risks of family property. 2) We have less effective preventive measures to against the existing insurance fraud issues. 3) Many families still have prejudice against insurance. In response to the above issues, the following suggestions are proposed: a) Strengthen the publicity of insurance financing, popularize the knowledge of insurance financing and guarantee the authenticity of the content at the same time. b) Insurance companies should pay more attention to insurance fraud. The company should set up a special department for insurance fraud. c) The insurance industry should raise the threshold for the employment of insurance, as only professional practitioners can strengthen the reliability of customers.