Question 2: What is the significance and function of insurance? Significance and function of insurance 1
Insurance is:
Use everyone's strength to prevent lifelong risks at the least cost. ※
Semi-compulsory savings to ensure the best long-term interest rate. ※
Help us shoulder the burden of family and children with negligible investment. ※
Guarantee future retirement and medical expenses. ※
The cash value of the policy can be lent or withdrawn flexibly. ※
Save taxes and ensure that assets are completely transferred to the next generation. ※
Protect personal dignity at the end of life. ※
There is no better system to replace it for more than 200 years! We can't replace it ourselves!
What is the use of insurance? (Risk and Insurance)
Insurance is not to ensure that risks do not occur, but to get help and support when risks occur.
With social progress and economic development, people's ability to resist risks has been greatly improved. The basic principle of insurance is to accumulate the financial resources of thousands of people in Qian Qian and form a large collective to resist and resolve risks. In this big group, everyone is a giver and a beneficiary. The basic function of insurance is to get timely assistance by paying in case of accident.
Insurance is like a parachute on an airplane. Although not necessarily useful, this guarantee is real.
What is life insurance?
First, mutual assistance: people who have donated blood must know that after donating blood for a certain number of times, they can exchange blood for emergency or even family needs. Usually we donate 250CC blood, which will not cause physical problems, but it can save us from bloodless panic. Blood donation is to save people, but also to save themselves.
The second is to prepare in advance and plan ahead: when summer comes, that is, when typhoons prevail, it is better to make more preparations and less losses. Children are vaccinated against smallpox and cholera to prevent infection. It is better to prepare beforehand than to regret afterwards.
Third, pay attention to safety: everyone may have made a lot of preparations, but one more defensive measure, such as the safety door on the car, the lifeboat on the boat, the fire lane and the fire extinguisher in the building, would rather prepare than use it, which will give people a sense of security.
Fourth, protection: although the car is protected by the car shell, it still needs a seat belt; Wear a helmet when riding a motorcycle, and workers should wear gloves to protect their hands from injury; Athletes wear knee pads to protect their knees. These are all protections.
The difference between insurance and savings.
Save:
1. Saving is a ladder and a method of gradually accumulating funds. It takes some time to reach the target quantity.
If you don't save enough money, even if there is an accident, it is a drop in the bucket and you are in a hurry.
3. Savings can calculate interest, but not risk.
4. The Law of People's Republic of China (PRC) Commercial Bank stipulates that commercial banks can go bankrupt, and once a bank goes bankrupt, it may lose all its money.
5. The savings interest rate is variable, as evidenced by the continuous downward adjustment of the bank interest rate from 1996 to 1998.
6. Saving is just saving.
Insurance:
1, insurance is to take the elevator, which is characterized by obtaining the agreed amount of protection at the same time.
2. When it happens unintentionally, the insurance premium will be dozens or even hundreds of times higher than the insurance premium, which can be described as "four or two thousand dollars".
Insurance is to calculate the huge cost of risk and provide it to you in time.
4. The Insurance Law of People's Republic of China (PRC) stipulates that an insurance company engaged in life insurance business shall not be dissolved, and shall pay the premium on schedule.
5. Insurance protection will not change due to external factors.
6. Insurance is a kind of savings with both value preservation and insurance functions, which will be by your side when you need it.
Insurance is the driving force of life.
Life is actually pulling a cart uphill. The older you get, the heavier the family car will be. If you are not careful, the rope that pulls the cart will be broken, and the family will be greatly shaken and even decline rapidly.
If you pay a little money in advance to hire a person to help you push the cart, he can lend a strong hand to help you tide over the difficulties when the car falls down, and the money is only given to him temporarily. At the appointed time, if he doesn't need to push the cart, he will return all the money, plus the interest is not lower than that of the bank. This good man is called insurance.
Advance, attack, retreat and defend.
The fire in Australia caused by El Nino and the harm of the Asian financial turmoil to the Asian economy all give people a warning that risks are everywhere, from countries to individuals. With insurance, we will:
Advance and attack-throw yourself in at will and do something vigorous.
Retreat and keep it-even if the family economy enters a "dark period" in the face of risks, it can still rely on it ... >>
Question 3: The meaning and understanding of life insurance For human beings, life insurance is everyone's responsibility to themselves and their families, and it is a means to pay the necessary expenses in life. First, life insurance is doing its duty (a person's duty to himself and his family). Everyone doesn't come out of thin air. The simplest thing is that we are descendants of the previous generation. We were born with parents and grandparents, and eventually we will have wives and grandchildren. In just a few decades, people have lived in such a family relationship cycle. We came involuntarily, and finally we went involuntarily. When we came naked, there was nothing. When we left, a wisp of smoke finally vanished. In this case, when we are alive, all that remains is responsibility. We were conceived when our parents loved us the most ―― the crystallization of love. Because of this innate love, the responsibility of human beings is passed down from generation to generation and is with life. When we were babies, we involuntarily accepted the responsibilities of our parents and elders, but in fact, we also irrevocably shouldered their responsibilities. This responsibility is innate and will remain on earth after death. Can't escape, also can't abandon. Generation after generation, generation after generation, forever. So what is this responsibility of human beings? To myself, to my parents, to my wife and children, to my friends and to society. To yourself-many people think that people are not responsible for themselves, which is wrong. Of all human responsibilities, the responsibility to oneself is the heaviest. Chapter 13 of Laozi's Tao Te Ching says: "You should be the world, if you can make it rich, love it as much as the world, if you can raise it." It means: only those who regard the world less than themselves can assume the responsibility of the world, and only those who love themselves more than themselves can entrust the world to him! Don't misunderstand the argument that "valuing yourself more than the world and loving yourself more than the world" is not to teach Lao Tzu that the world is big. It means: cherish yourself, love yourself, and don't let external things infect and corrode yourself. Only in this way can we work for the whole world. Of all one's responsibilities, one's responsibility to oneself is the first. No one who is not responsible for himself will be responsible for others and the world. Do your duty for yourself and think about your daily life. Everything is arranged. Have you predicted it? People sinking into the world of mortals are really small and fragile. We have too much fear. We are afraid: 1, no one to take care of when we are sick, no one to help when we are poor, no one to help when we are unemployed, no one to accompany us when we are lonely, no one to take care of our family, no dignity and no one to support us when we are old. You have so many fears, but most of the time, you still wear a mask, smile at life and tell others that you are a strong person in life. I know, in fact, like everyone else, you long for many beautiful things. You want: 1, a happy and stable life, the respect and care of friends and family, the ability to take care of family members, a healthy life, a sense of security in property, a sense of security in old age and a sense of responsibility in life crisis, which is to ensure that you can cope with all kinds of crises and risks in life at any time and under any circumstances. For parents-no one can escape this responsibility, nor should it. The responsibilities entrusted to us by our parents are accompanied by our birth, love and hope. We are undoubtedly responsible for our parents who have worked hard and selflessly to raise us. This responsibility is: 1, support parents, 2, let parents not be humiliated, 3, let your parents enjoy a good name. Can you do it for your parents forever in this life? Don't answer, think and do. To his wife and children ―― first of all, to his wife. You and she are strangers. A trace of so-called fate let you have her. You changed her from an ignorant girl to a woman and mother. Let her share another responsibility with you. Don't you think you have a responsibility to her? This responsibility is: protect her, love her, grow old with her, take care of her in your lifetime, and don't let her suffer. Rich or poor, they will never change their minds and take care of each other forever until the end of their lives. You can know that your responsibility to your wife is the oath you made by touching the Bible at the wedding: this responsibility cannot be evaded, nor can it be evaded. The only choice is how to fulfill your oath and fulfill this responsibility. Right ... >>
Question 4: The meaning and function of insurance.
Buying insurance is not spending money, but moving money from the left pocket to the right pocket. Buying insurance is not to make money, but the best way to reduce accidents and disease losses and pass on risks. Insurance premium is the epitome of living expenses, and cheap insurance premium represents poor life. Are you willing to give you a discount on your future standard of living? So what is expensive is living expenses, not insurance.
Raising children for the elderly is a traditional concept of providing for the elderly in China, but times have changed. 1. When children grow up, they will of course be filial to their parents and take care of them, but the competition in modern society is fierce and stability is not easy. Should we also plan for them? At present, the house price is high, and people are already struggling to repay the loan and living expenses. Why burden the next generation? People must live with dignity when they are old. Insurance can at least guarantee that we have a sum of money. Paying insurance premiums is like paying child support. When children grow up, it may not be guaranteed that everyone can give back, but the insurance premium will definitely be recovered. Is this investment not worth it?
The basic function of insurance The basic function of insurance is the original and inherent function of insurance. There are two main views on the basic function of insurance. One view is that the basic function of insurance is to share losses and compensate losses or pay insurance money; Another view is that the basic functions of insurance are economic compensation and insurance payment. This course holds the latter view.
The function of economic compensation is to make compensation according to the actual loss amount of the insured subject matter according to the insurance contract after the insured accident and loss occurs, which is the basic function of property insurance;
The function of insurance payment is that when an insurance accident occurs, both parties pay according to the insurance amount agreed in the insurance contract, which is the function of life insurance.
? Why does life insurance use compensation instead of compensation?
A. People's material life cannot be measured by money.
B. Some types of life insurance have the nature of saving in return.
Question 5: Does the insurance company exist? If yes/no, why? If you want to explain the meaning of insurance in one sentence, it is to share risks equally. Here, it is not perfect to explain insurance with options. The original intention of options is to hedge risks. Some people are willing to spend money to avoid risks, while others are willing to exchange risks for money. At the same time, there are speculators, but this is about the inconsistency between the two sides' judgments on future expectations or on probability returns. But insurance was originally set up for risk sharing, and every policyholder is a relative risk averse, which is consistent with the buyers of some options. However, it is impossible for the insured to make money, while the option holder can make money without a bottom line. The purpose of the insured is to resolve or reduce risks, so the essential difference between insurance and other financial products is that the insured cannot make a profit. On the other hand, the emergence of insurance companies is also very interesting. For example, suppose there are 1 000 people in our village. As we know, on average, 1 person suffers from a certain disease every year, and it costs 200,000 yuan to treat it. As an ordinary villager, the cost can be said to be unbearable, but they have figured out a way for everyone to go to 220 yuan every year. The money paid in this way gave the unfortunate patients free treatment. From then on, the villagers were no longer afraid, and the money manager became an insurance company. Of course, the most important significance of becoming an insurance company has emerged, and everyone's risks have been shared. So, what if all the people in the world are insured? It can be said that all uncertain disasters and dangers are shared equally, just like more developed medical insurance and auto insurance, such as things being stolen, houses on fire, earthquakes, colds and unexpected losses of the company, these risks can be shared equally. Therefore, in theory, everyone should buy insurance properly, and now insurance is and will be gradually popularized. Well, the development of insurance is not over yet. First of all, since insurance companies have so much money, they become large financial investors, because the money collected may be compensated to the insured sooner or later, but the time and time of insurance can generate huge profits. Insurance companies don't make money by the difference between insurance premium and indemnity. Secondly, because the bank has such a hateful thing as interest tax, if you buy insurance, the insurance beneficiary will not have to pay tax when he gets the insurance money. Therefore, some insurance companies have introduced savings insurance products similar to bank deposits, which can really avoid interest tax. Moreover, deposits are tax-free, and at the same time, a predetermined interest rate can be returned, usually close to the bank interest rate. In developed countries, there is inheritance tax. In order to avoid inheritance tax, insurance is also a good way, so insurance companies have become tax havens. In addition, the insurance contract stipulates that customers can apply for 90% of the surrender premium as loans, so insurance has certain liquidity, that is, policy mortgage loans. At the same time, some insurance products stipulate that if nothing happens during the insurance period, the insurance premium you get will not only exceed your initial premium, but also give you the principal. Perhaps here, everyone has found that since insurance can avoid taxes, save money, earn interest, apply for loans and have liquidity, the difference between insurance and banks is getting closer and closer. Similarly, banks have also launched bank insurance business, although only in cooperation with insurance companies, but what insurance companies can do, bank investment banks can also do through options, for example. The reason why the banking and insurance industries have not merged is mainly the existence of a separate operating system. However, developed countries have cancelled the separate operation and banks operate insurance business. In China, premature cancellation will only allow banks and securities companies to make high-risk investments with insurance money, which will easily lead to financial risks, because small probability events of insurance will also break out. It is too long. Finally, to sum up, the ultimate significance of the existence of insurance companies lies in sharing risks. The significance of individuals and enterprises in the financial field is that they are investors, investors, savers, lenders and risk evaders. The contribution to the economic system is that it embodies a special distribution and redistribution relationship in national income distribution. PS: Insurance is different from general financial products and methods because insurable risks must be pure risks. The so-called "pure risk" means that there is only the possibility of loss and no uncertainty of profit opportunities. The uncertainty of loss possibility and profit opportunity is called "speculative risk".
Satisfied, please adopt.
Question 6: What is the significance of insurance company's claim settlement? Claims settlement by insurance companies is a concentrated expression of realizing basic insurance functions. It is of great significance for insurance companies to do a good job in claims settlement.
The settlement of claims by insurance companies enables the basic functions of insurance to be realized. The basic function of insurance is to compensate or pay economic losses. The insured's transfer of property or personal risks to the insurance company does not mean that he can get exact compensation; However, if the insurance company accepts the risk transferred by the insured, it means to bear the economic compensation or compensation within the scope of insurance liability. Through insurance, the insured can turn uncertainty into certainty, which is manifested in whether he is out of danger or not, whether he is safe or not, and whether he guarantees property or physical and mental safety; Or get a certain degree of compensation for the losses accompanying the accident. Insurance company's claim settlement is a management link to realize economic loss compensation.
Claims settlement by insurance companies can restore the production of the insured in time, stabilize his life, and promote the smooth progress of social production and the stability of social life. Insurance has the reputation of social "stabilizer" and economic "booster". Insurance plays many positive roles in social production, life and even economy and finance. The realization and exertion of these functions depend on the fast, accurate and high-quality service of insurance companies.
Insurance company's claim settlement is a test of other aspects of insurance company's operating quality. Whether the insurance company's exhibition industry is in-depth, whether the underwriting is up to standard, whether the disaster prevention work helps to prevent risks, and whether the insurance premium rate is appropriate, reasonable and fair. It is not easy to have an accurate grasp before the risk comes out. However, when claims need to be made, whether the insurance company has the ability to pay, how big the ability is, and how much realistic and potential impact it will have on the insurance company's compensation fund and operational stability after payment will be a test of the overall operation of the insurance company. Through this test, in turn, it can promote insurance companies to improve the problems existing in their business activities.
The quality of insurance company's claims is related to the economic benefits of insurance companies. The insurance company's compensation is an important part of the insurance company's operating costs. The size of the insurance company's claims expenditure naturally affects the economic benefits of the insurance company. In a certain period of time, if the insurance company pays less and other conditions remain unchanged, the economic benefits of the insurance company will be good; On the other hand, if the insurance company pays more, the economic benefits will be worse. Even individual compensation at individual times may cause serious financial crisis and bankruptcy of insurance companies.
Question 7: The quality and significance of insurance: 1, which is a way to spread risks. (omitted) 2. Insurance is an enterprise with operational risks that operates according to the law of large numbers, and it is a commercial institution with obvious profitability. 3. Insurance is an investment method of individual or collective financial management. At present, financial insurance products are still popular and favored in the whole market by using idle funds of individuals or enterprises. At present, banks and insurance companies cooperate as insurance agents. In fact, this is a win-win mode of operation. Insurance companies can borrow the vast customer resources of banks to realize the double promotion of market share and business volume; Banks can use consignment insurance to improve the level of intermediary business and obtain agency income.
Question 8: What is the significance and function of life insurance? After reading this article, I believe you will understand what insurance is.
What is life insurance?
For human beings, life insurance is everyone's responsibility to themselves and their families, and it is a means to pay the necessary expenses of life.
First, life insurance is doing its duty (a person's duty to himself and his family).
Everyone doesn't come out of thin air. The simplest thing is that we are descendants of the previous generation. We were born with parents and grandparents, and eventually we will have wives and grandchildren. In just a few decades, people have lived in such a family relationship cycle. We came involuntarily, and finally we went involuntarily. When we came naked, there was nothing. When we left, a wisp of smoke finally vanished. In this case, when we are alive, all that remains is responsibility.
We were conceived when our parents loved us the most ―― the crystallization of love. Because of this innate love, the responsibility of human beings is passed down from generation to generation and is with life. When we were babies, we involuntarily accepted the responsibilities of our parents and elders, but in fact, we also irrevocably shouldered their responsibilities. This responsibility is innate and will remain on earth after death. Can't escape, also can't abandon. Generation after generation, generation after generation, forever.
So what is this responsibility of human beings?
To myself, to my parents, to my wife and children, to my friends and to society.
To yourself-many people think that people are not responsible for themselves, which is wrong. Of all human responsibilities, the responsibility to oneself is the heaviest. Chapter 13 of Laozi's Tao Te Ching says: "You should be the world, if you can make it rich, love it as much as the world, if you can raise it." It means: only those who regard the world less than themselves can assume the responsibility of the world, and only those who love themselves more than themselves can entrust the world to him! Don't misunderstand the argument that "valuing yourself more than the world and loving yourself more than the world" is not to teach Lao Tzu that the world is big. It means: cherish yourself, love yourself, and don't let external things infect and corrode yourself. Only in this way can we work for the whole world. Of all one's responsibilities, one's responsibility to oneself is the first. No one who is not responsible for himself will be responsible for others and the world.
Do your duty for yourself and think about your daily life. Everything is arranged. Have you predicted it? People sinking into the world of mortals are really small and fragile. We have too much fear.
We are afraid:
1, unattended when sick
2. There is no help when you are poor
There is no way to help if you are unemployed.
4. There is no friend to accompany you when you are lonely.
I'm afraid I can't take care of my family.
6. Fear of losing dignity
7. I am afraid that the old people will be left unattended.
You have so many fears, but most of the time, you still wear a mask, smile at life and tell others that you are a strong person in life. I know that in fact, like everyone else, you have a desire for many beautiful things. You want to:
1, a happy and stable life
2. Be respected and loved by friends and family.
3. Ability to take care of the family
4. Have a healthy life
5. Have a sense of security about property.
6. Worry-free in old age
7, carefree life crisis
Being responsible for ourselves is to ensure that we can cope with all kinds of crises and risks in life at any time and under any circumstances, so that we can have the opportunity to fulfill other responsibilities.
For parents-no one can escape this responsibility, nor should it. The responsibilities entrusted to us by our parents are accompanied by our birth, love and hope. We are undoubtedly responsible for our parents who have worked hard and selflessly to raise us. This responsibility is: 1, support parents 2, let parents not be humiliated 3, let parents enjoy a good reputation (note: this good reputation is brought to them by you)
Simple three, can you do it for your parents forever in this life? Don't answer, but think about how to do it.
To his wife and children ―― first of all, to his wife. You and she are strangers. A trace of so-called fate let you have her. You changed her from an ignorant girl to a woman and mother. Let her share another responsibility with you. Don't you think you have a responsibility to her? This responsibility is: protect her, love her, grow old with her, take care of her in your lifetime and don't let her suffer. Rich or poor, they will never change their minds and take care of each other forever until the end of their lives.
You can know that your responsibility to your wife is the oath you made by touching the Bible at the wedding: this responsibility. >>
Question 9: Significance of insurance investment Insurance investment is of great significance to the long-term healthy and stable development of the insurance industry, the operation and management of insurance companies and the socio-economic operation. There is possibility and space for the use of insurance funds, and rational use is both necessary and urgent. First of all, investment in insurance funds can promote the healthy development of the capital market. (1) Investment in insurance funds has increased the sources of funds in the capital market. Insurance funds are an important source of funds in developed capital markets. Compared with property insurance companies, life insurance companies provide a long-term stable source of funds for the capital market because of their long-term stable business. For example, in the United States, where the capital market is the most developed, insurance companies are the most important holders of the US securities market. Insurance funds entering the market can * * * meet the investment needs of capital market entities, improve the capital market structure, improve the liquidity of capital, * * * improve the maturity and economic benefits of capital market entities, and promote the coordinated development of insurance market and capital market. (2) The safety requirements of insurance fund investment expand the financial instruments in the capital market. The use of insurance funds conforms to the principles of safety, profitability and liquidity, in which profitability is the goal and safety and liquidity are the basis. Because insurance funds are always responsible for compensating disaster losses and paying insurance money, insurance companies must take corresponding measures to deal with risks. Therefore, insurance companies have a strong demand for hedging tools such as stock index futures and options during the investment of insurance funds, which is an important factor to stabilize the capital market. Moreover, the market dominated by institutional investors advocates long-term investment and strategic investment. Therefore, investment in insurance funds can promote the healthy development of China's capital market. Secondly, investment in insurance funds can promote the long-term development of insurance industry in China. (1) Investment in insurance funds has enhanced the solvency of insurance companies. Adequate solvency is the most basic requirement for insurance companies. With the increase of insurance companies in China, especially the entry of foreign insurance companies, the competition in the insurance industry is becoming increasingly fierce, the premium is reduced, the operating cost is greatly increased, and the underwriting profit is obviously reduced. At present, China's insurance funds are mostly long-term funds, especially life insurance funds, some of which are as long as 30 to 40 years. In such a long time, if most of the funds are in the bank, the insurance business may achieve balance of payments through the preservation and appreciation of bank interest. For example, due to the continuous decline of interest rates in China in the past decade, many companies have suffered losses in their original businesses, so how to make good use of insurance funds to enhance the solvency of enterprises is a problem faced by insurance companies. According to the statistics of the Capital Utilization Supervision Department of the China Insurance Regulatory Commission, in 2005, the average rate of return of direct investment of insurance funds in the stock market was higher than 6%, and the best result of direct investment in stocks by a single insurance company was as high as 20%. At present, the solvency of insurance companies in China is still very low compared with the international insurance industry. Therefore, the entry of insurance funds into the market is conducive to insurance companies to expand new business, improve investment income and enhance solvency. (2) Investment in insurance funds has enhanced the risk control ability of insurance companies. Insurance fund is a special fund, which is specially used to deal with the adverse consequences that natural disasters and accidents may bring to production and life. Therefore, the premium income of an insurance company is a liability to the insured, not the actual income of the insurance company. Because of the continuity and uncertainty of insurance liability, it is possible to bear the unexpired liability of various insurance businesses at any time. Therefore, when using funds, insurance companies should fully implement asset-liability management, make reasonable investment in insurance assets, match assets and liabilities, and enhance insurance companies' ability to resist risks. In addition, the income from insurance investment makes it possible for the company to reduce the premium, which will help to improve the depth of insurance, stimulate the potential demand of the market, increase the premium income, improve the operating environment of the insurance industry, enhance the competitiveness of insurance companies, and make the insurance industry enter a benign development state.
Question 10: what is the significance of the new ten articles to the development of insurance industry?
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