“普及金融知识万里行”活动方案
为了进一步加强公众金融知识教育，领导和帮助公众正确了解金融知识，掌握金融技能，提高金融素质，构建和谐金融消费关系和良好的金融环境，进一步提升唐山申彤大大资产管理有限公司的社会形象和知名度，特制定本次活动方案。
一、活动的主旨
宣传普及金融知识，积极引导公众科学理财，理性消费，掌握金融技能，增加财产性收入。
二、活动主题
普及金融知识，优化金融生态。
三、活动目的
通过广泛深入开展“普及金融知识万里行”活动，大力宣传普及金融知识，帮助公众提高金融风险意识，倡导理性消费，提升生活品质，增强消费信心，提升社会诚信水平。
四、活动时间和地点
Xxxxxxx
五、活动参与者
唐山申彤大大资产管理有限公司第二分公司主办
六、组织领导
为确保“普及金融知识万里行”活动顺利的开展，特成立活动领导小组，负责本次活动的统一部署、组织和协调。
组长：马易玲
副组长：李欢欢
组员：第二分公司全体员工
七、活动安排
1.3月16日下午1:30分在公司集合，由分公司高级经理带队到文北里活动社区。
2.2:10到达，由李欢欢负责签到，发放小礼品
3.2:30开始，由赵偲宇负责调试投影以及讲解公司和金融知识
4.讲解时间40分钟，进行知识答疑。
5.3:30分结束。
八、活动预算
九、效果评估
通过本次活动，组织者与参与者共同进行活动效果评估，总结活动的优点以及缺点，争取在下次活动时，加以改进。
大大集团唐山子公司销售管理部
第二篇：金融活动
1. What a financial asset is P2
to future income, the typical future benefit comes in the form of a claim to future cash The entity that agrees to make future cash payments is called the issuer of the financial asset
The owner of the financial asset is referred to as the investor
financial instrument
securities
金融资产(Financial Assets) ，金融资产是指一切代表未来收益或资产合法要求权的凭证，亦称金融工具或证券。
是指单位或个人所拥有的以价值形态存在的资产。是一种索取实物资产的无形的权利。是一切可以在有组织的金融市场上进行交易、具有现实价格和未来估价的金融工具的总称。
Financial Assets, Financial assets refer to all represent the future earnings or asset legal claim the vouchers, also called a financial instrument or securities.
Refers to the unit or individual possessed on the value of assets form exists. Is a request physical assets of intangible rights. Is everything to be in organized financial market transactions, realistic price and future appraisal of financial instruments floorboard.
2. 金融市场的分类P11~12
从金融市场的地域范围划分，金融市场可以分成国内金融市场和国际金融市场。按金融市场的业务或金融产品的类型划分，金融市场可分成：货币市场、资本市场、外汇市场、保险市场、黄金市场和其它市场（如租赁市场、典当市场等）等部分。从金融市场的功能划分，金融市场又分为发行市场和交易市场。发行市场，亦称为初级市场或一级市场。按交易方式划分，可分为证券市场和借贷市场。按交易期限划分，可分为长期资金市场和短期资金市场。按交易是否存在固定场所来划分，可分为有形市场和无形市场。按所交易的金融产品的交割时间划分，可分为现货市场和期货市场。
From the financial market the geographic scope of division, financial markets can be divided into the domestic financial market and international financial market. According to the financial market business or financial product types are classified, financial markets can be divided into: monetary market, capital market, foreign exchange market, insurance market and gold market and other markets (such as rental market, hock market etc.) etc. Parts. From the financial market of functional division, the financial market is divided again circulation market and trading market. Publication market, also called the primary market or the national market. According to the transaction mode division, can be divided into the securities market and lending market. According to the trade deadline division, can be divided into long-term capital market and short-term capital markets. According to the transaction whether there are fixed place to differentiate, can be divided into tangible and intangible market market. According to the transaction of financial products, delivery time division, can be divided into the spot market and futures market.
3. 什么是资产证券化（Asset securitization）P31
Asset securitization refers to the conversion of the lack of liquid assets into freely traded assets, and it can provide the liquidity in the financial markets.
Differs radically from the traditional financing
Refer to the issuance of securities using a pool of assets as collateral
是指将缺乏流动性的资产，转换为在金融市场上可以自由买卖的证券的行为，使其具有流动性。
It is to point to will lack of liquidity assets, converts in financial markets can free trading securities behavior, make its have liquidity.
4. 金融创新Financial Innovation P31
There are several interpretations of the phrase financial innovation.
In general, it refers to the creating and marketing of new types of . Innovation of financial asset instruments
变更现有的金融体制和增加新的金融工具，以获取现有的金融体制和金融工具所无法取得的潜在的利润，这就是金融创新，它是一个为盈利动机推动、缓慢进行、持续不断的发展过程。
Change the existing financial system and adding new financial tools, in order to get the existing financial system and financial tools cannot obtain the potential profits, which is financial innovation, which is a for profit motive, slow, continuous process of development.
5、金融创新与资产证券化的区别与联系P31~32
6.商业银行提供的服务
? Individual Banking
Consumer installment loans, residential mortgage loans, credit card loans, automobile and boat financing, brokerage services, student loans, and individual oriented financial investment services etc.
消费者分期贷款、住宅抵押贷款、信用卡贷款、汽车和游艇融资、经纪服务、学生贷款和个人导向的金融投资等服务。
? Institutional Banking
Loans to nonfinancial corporations, financial corporation (life insurance companies), and government entities
Commercial real estate financing, leasing activities, and factoring
Fee income business includes management of the assets of private and public pension funds, fiduciary and custodial services, and cash management services 贷款给非财务跨国公司,金融公司(人寿保险公司)和政府的实体
商业地产融资、租赁活动,保理业务
费用收入业务包括管理的资产私人和公共养老基金、信托及清洁服务,和现金管理服务
? Global Banking
Corporate finance
Capital market and foreign exchange market products and services
Most global banking activities generate fee income rather than interest income. 企业财务
资本市场和外汇市场的产品和服务
大多世界银行活动产生费用收入而非利息收入
7.办理信用卡需要的信息
一般要身份证，填申请表，还有财力证明。比如:每月的工资单、房产证明、完税证明、行驶本这类的。
In general to id, fill in the application form, and financial statement. For example: monthly payroll, house property proof, tax payment certificates, driving this this class. 办理贷款所需要的信息
办理个人性的贷款，现时最长是5年，还款方式为等本金或等本息的分期还款,如果需要办理抵押贷款的话，银行会审核借款人的还款能力和贷款抵押物的变现能力的，如果其中之一达不到要求的话，贷款就不能下来了；
贷款所需资料：
1.借款人的有效身份证、户口簿；
2.婚姻状况证明，未婚的需提供未婚证、已离婚的需出具法院民事调解书或离婚证（注明离异后未再婚）；
3.已婚需提供配偶的有效身份证、户口簿及结婚证；
4.借款人的收入证明（连续半年的工资收入证明或纳税凭证当地）；
5.房产的产权证；
6.担保人（需要提供身份证、户口本、结（未）婚证等）
注意的是：
1.必须有抵押物才能贷款，而且贷款金额和贷款期间利息总和不能超过抵押物评估价值的1/2；
2.有长期稳定的足以支付每月贷款本息的收入来源；
3.担保人;
4.借款人年龄限制：男的年龄＋贷款期限不超过60岁，女的年龄＋贷款期限不超过55岁；
5.进入征信系统黑名单的客户不能办理贷款；
贷款需要支付律师见证费、抵押登记费、抵押房产的保险费、房产的评估费等。 一般贷款下来要1个月左右^_^
流程：
1.向银行提出贷款申请，
2.银行受理后，对抵押房产价值进行评估，根据评估值核定贷款金额；
3.开立个人活期存款帐户、签定借款合同等；
4.办理房地产抵押登记事宜；
5.银行放款
Handle personal loan, uptodate longest is five years, such as the principal or for reimbursement means such as the principal and interest of installment reimbursement, if need to handle mortgage loan words, the bank will review the borrower's ability to
repay the loan collateral and liquidation ability, if one of them can not reach the requirement of words, loans cannot come down,
Loan required information:
1. The borrower's valid id, booklet of registered residence,
2. Marital status proof, unmarried must provide the unmarried certificate, issued by the court to already divorce civil the conciliation statement or divorce certificates (indicate that after divorce not remarried);
3. Married must provide the spouse's valid id, booklet of registered residence and marriage certificate,
4 the borrower's income proof (for half a year's wage income tax payment certificates or local);
Property property right card; 5.
6. Guarantor (need to provide id card, hu kou book, "(not) marriage certificate, etc.) Note:
1. Must have the mortgaged property to loans and loan amount and during loan interest sum cannot exceed the mortgaged property of evaluation value of 1/2,
2. Have stable enough to pay monthly loan principal and interest of the source of income;
Guarantor; 3.
4 the borrower age limit: male age + loans shall not exceed 60, female of age + loan term less than 55 years old;
5. Enter credit reporting system blacklist customers cannot handle loan,
Loan needs to pay lawyer testimony fee, guaranty, mortgages property insurance, property assess fee, etc.
The general loan down to 1 months ^_^
Process:
1.the forward to the bank loan application,
2. The bank receipt, to evaluate the value of mortgage house property, according to the evaluation value approved loan amount,
3. Opened personal current account, sign a contract for loan; etc.
4. Conduction estate guaranty registered matters;
5. ^_^ bank lending
（一）个人汽车消费贷款
1、贷款条件
具有完全民事行为能力的自然人
具有当地常住户口或有效居住证明
具有较强按期还本付息的能力
持有购车合同，并以所购车辆作抵押或提供有效担保
遵纪守法，无不良信用记录
2、贷款担保
车辆抵押、保证保险、质押或其他有效担保方式
3、资料提供
（1）贷款申请书
（2）本人及配偶的身份证、结婚证、户口簿或有效居住证明的原件和复印件
（3）有效收入证明和其他还款来源证明
（4）购车合同
（5）机动车抵押登记申请表
（6）以保证保险方式提供贷款担保的，需持我行签约保险公司出具的保证保险保单
（7）牡丹卡或工行活期储蓄存折
4、贷款步骤
（1）与汽车经销商签订购车合同，递交借款资料
（2）银行贷前调查，审批贷款
（3）通知借款人签订借款合同、担保合同，并办理抵押登记和保险等手续
（4）银行发放贷款
（5）借款人提车
5、贷款额度
最高额度不超过购车款的80%
6、贷款期限
最长不超过5年
7、贷款利率
按中国人民银行的同期流动资金贷款利率及有关浮动幅度的规定执行
8、车型选择
个人购买家用轿车、自用车等均可申请贷款
（二）个人综合消费贷款
1、贷款条件
（1）中国境内有固定住所、有当地城镇常住户口（或有效居住证明）、具有完全民事行为能力的中国公民；
（2）有正当的职业和稳定的收入，具有按期偿还贷款本息的能力；
（3）遵纪守法，没有违法行为及不良信用记录；
（4）在中国工商银行开立活期储蓄帐户和牡丹卡帐户并与贷款人签定同意从其帐户中扣收贷款的协议；
（5）贷款人规定的其他条件。
2、贷款担保
（1）质押担保：可用本人或他人所有的工商银行签发的或与工商银行签订了质押止付协议的其他银行签发的储蓄存单（折）、99年以后工商银行代理发行的凭证式国债或其他权利凭证作质押担保；
（2）抵押担保：借款人可持《房屋所有权证》到房产登记机关办理抵押登记，作为贷款担保。凡设定为抵押的房产，必须办理全额财产保险，保险期限须长于贷款期限。
3、贷款发放与归还
（1）贷款人与贷款人办妥有关借款手续后，贷款人应按借款合同约定，通过活期储蓄帐户或牡丹卡帐户，以转帐方式向借款人发放贷款。
（2）贷款的归还采用一次性还本付息或分期还本付息方式。经银行同意，也可提前归还本息。
4、贷款额度与期限
以质押方式申请贷款的，贷款额度最高不超过质押物面值的90%；以抵押方式申请贷款的，贷款额度最高不超过抵押物面值的70%；起点2000元，最高额度一般不超过50万元。
贷款期限分为6个月、1年、2年、3年四个档次。
5、贷款利率
按中国人民银行规定的同档次贷款利率及有关浮动幅度的规定执行。
（三）个人质押消费贷款
1、贷款条件
凡持有中国工商银行人民币或外币定期储蓄存单（折）或19xx年以后发行的凭证式国债的中国境内居民均可申请个人质押贷款。质押物必须是无争议、未挂失及冻结、未止付的中国工商银行人民币或外币定期储蓄存单（折）或19xx年以后发行的凭证式国债。
2、贷款额度
以存单（折）为质押，贷款额度不超过质押物面值的80%
以凭证式国债为质押，贷款额度不得超过质押物面值的90%
起点1000元，最高10万元
3、贷款期限
贷款期限以质押物到期日为限，最长不超过一年
4、贷款提示
贷款逾期一个月内银行将自逾期日起按规定计收罚息，逾期超过一个月，银行有权按规定处置质押物。
5、贷款利率
按中国人民银行的同期流动资金贷款利率及相关浮动幅度的规定执行。
（四）个人小额短期信用贷款
1、贷款条件
（1）在中国境内有固定住所、有当地城镇常住户（或有效居住证明）、具有完全民事行为能力的中国公民
（2）有正当的职业和稳定的收入，具有按期偿还贷款本息的能力
（3）借款人由贷款银行代发工资
（4）遵纪守法，没有违法行为及不良信用纪录
（5）在中国工商银行开立牡丹卡或活期储蓄帐户，并与银行签定同意从其帐户中扣收贷款的协议
（6）银行规定的其他条件
2、贷款申请
（1）借款人可持以下资料到工商银行申请个人小额短期信用贷款；
（2）借款人的有效身份证件及复印件
（3）居住地址证明（户口簿及近期水、电、煤气费等账单）
（4）职业和收入证明及家庭成员基本情况（工作证和工资单及贷发工资的存折或其他有效证明）
（5）贷款申请审批表
（6）银行要求的其他资料
3、贷款发放
贷款人与借款人办妥有关借款手续后，贷款人应按借款合同约定，通过活期储蓄账户或牡丹卡账户，以转帐方式向借款人发放贷款。
4、贷款归还
贷款的归还采用一次性还本付息方式。经银行同意，也可提前归还本息。
5、贷款期限
不超过一年
6、贷款额度
起点2000元，最高额度不超过20000元，且不超过借款人月工资性收入的10倍。
7、贷款特点
以个人的信用申请贷款，手续简便
8、贷款利率
按中国人民银行规定的短期贷款利率及相关浮动幅度的规定执行
(A) personal auto loan
1, the loan conditions
With full civil capacity of natural persons
With local permanent residence or valid proof of residence
Scheduled debt service capacity has a strong
Contracts held by buyers, and to purchase vehicles for security or to provide effective security
Law-abiding, no bad credit history
2, loan guarantees
Vehicle security, guaranteed insurance, pledge or other efficient way of security 3, information is
(1) loan application
(2) and the spouse's ID card, marriage certificate, or valid proof of residence booklet and a copy of the original
(3) the effective source of income certificates and other proof of payment
(4) car contract
(5) motor vehicle registration application form mortgage
(6) to provide credit guarantee insurance guarantee, the bank need to hold insurance companies signed the guarantee insurance policy issued
(7) ICBC Peony Card or Passbook Savings
4, loan procedures
(1) car contract signed with the car dealers to submit loan data
(2) bank loans before the survey, approval loans
(3) notify the borrower signed a loan contract, guarantee contracts, and mortgage registration and insurance procedures
(4) Bank Loans
(5) The borrower provided car
5, line of credit
The maximum amount of not more than 80% of car models
6, the loan period
Up to no more than 5 years
7, lending rates
The same period by the People's Bank working capital loan rates and the fluctuation range of provisions
8, model selection
Individuals to buy domestic cars, car, etc. can apply for loans from the
(B) personal comprehensive consumer loan
1, the loan conditions
(1) have permanent residence in China, having local permanent residence (or effective residence certificates), with full civil capacity of the Chinese citizens;
(2) there is a legitimate occupation and steady income, with the ability to schedule repayment of loan principal and interest;
(3) abide by the law, not illegal, and bad credit records;
(4) Industrial and Commercial Bank of China open a passbook savings account with your card account and signed with the lender agreed to loan deducted from their account agreement;
(5) other conditions provided by the lender.
2, loan guarantees
(1) pledge of security: I or others can all ICBC ICBC issued or stop payment agreement signed pledge issued by other banks, savings certificates of deposit (equivalent), 99 years after the Commercial Bank of agency bonds issued or other a pledge of documents of title guarantee;
(Two) collateral: the borrower can hold "building warrant" to the real estate mortgage registration authority for registration as loan guarantees. Where the property is set to pledge to be insured in full amount, the insurance period shall be longer than the loan period.
3, with the return of loan
(1) lenders and borrowers completing formalities related to the borrower after the loan the lender shall be the contract, or through the Peony Card current account savings account to wire transfer loans to the borrower.
(2) The return of the loan debt service by way of time or installment debt. The bank agreed in advance to return principal and interest can be.
4, loan amount and term of
To apply for loan collateral, the loan amount not exceeding 90% of the nominal value of the collateral; to apply for mortgage loan, the loan amount not exceeding 70% of the nominal value of the mortgaged property; the starting point of 2,000 yuan, the highest amount of generally not more than 50 million .
Term of the loan is divided into 6 months, 1 year, 2 years, 3 years of four grades. 5, the loan interest rate
Prescribed by the People's Bank of China interest rate and the same level fluctuation range of regulations.
(C) the personal pledge of consumer loans
1, loan conditions
Holders of Industrial and Commercial Bank of China RMB or foreign currency time deposit certificates of deposit (off) or after 1999, the bonds issued by domestic residents in China can apply for personal loans. Collateral must be no dispute, no report of loss and freezing, Industrial and Commercial Bank of China has not stopped the renminbi or foreign currency time deposit certificates of deposit (off) or after 1999, the bonds issued.
2 credit lines
To certificates of deposit (passbook) for the pledge, collateral loan amount does not exceed 80% of the nominal value of
Bonds as collateral for the loan amount shall not exceed 90% of the nominal value of the collateral
Starting point of 1,000 yuan, up 10 million
3, the loan period
Term of the loan maturity date to pledge a maximum of up to one year
4, loan tips
Overdue bank loans within one month from the due date will be collected from the penalty prescribed, more than one month overdue, banks have the right to dispose of the collateral required.
5, the loan interest rate
Year by the People's Bank of China interest rate and liquidity related to the fluctuation range of regulations.
(D) short-term credit personal small loans
1, the loan conditions
(1) have a fixed residence in China, there are often local urban households (or valid proof of residence), with full civil capacity of the Chinese citizens
(2) there is a legitimate employment and stable income, have the ability to repay loan principal and interest
(3 a) The Borrower wages by the lending bank with
(4) compliance, there is no record of violations and bad credit
(5) opened in ICBC Peony Card or passbook savings account, and signed with the bank agreed to loan deducted from their account agreement
(6) other requirements prescribed by Bank
Two, the loan application
(1) The Borrower may take the following documents to apply for Industrial and Commercial Bank short-term credit personal small loans;
(2) of the borrower and a copy of valid ID
(3) proof of residential address (booklet and the recent water, electricity, gas charges bill)
(4) proof of employment and income, and family members basic information (work credit card and payroll and payroll of the passbook or other valid proof)
(5) Loan Application Form
(6) other information required by the Bank
3 loans
Lenders and borrowers who completed the formalities related to loans, the lender should the borrower contract, savings account or through the Peony Card account to account transfer loans to the borrower.
4, loan return
Return of the loan debt with a one-time way. The bank agreed, ahead of the return of principal and interest can be.
5, the loan period
Not exceeding one year
6, line of credit
Starting point of 2,000 yuan, the highest amount of not more than 20,000, and does not exceed the borrower's monthly salary income 10 times.
7, the loan features
Credit application personal loans, simple procedures
8, the loan interest rate
Prescribed by the PBOC and the related short-term interest rate floating range of the provisions of
企业发行股票是为了企业融资
股票上市的意义：
1、资本大众化，分散风险。
2、提高企业所发行股票的流动性和变现性。
3、比喻筹措新资金。
4、提高企业知名度，吸引更多顾客。
5、便于确定企业的价值。
Enterprises to issue stocks for corporate finance
The significance of the stock market:
1, the capital of popularity, spread the risks.
2, increase the liquidity of the stock issued and liquidity.
3, the analogy to raise new capital.
4, increase visibility, attract more customers.
5, easy to determine the value of the business.
8.保险的种类（Types of Insurance）P61
? Health Insurance
Insures against high cost of medical treatment
? Property and Casualty Insurance
Insures against damage to various types of property
e.g. fire insurance flood insurance earthquake insurance home insurance marine insurance
? Liability Insurance
Insures against litigation
? Other Insurance
Disability Insurance
Long-Term Care Insurance
? Investment-Oriented Products
Guaranteed investment contract(GIC), in return for a single premium, to pay the principal amount and a predetermined annual rate over the life of the investment
? Annuity – Another Investment Products
A mutual fund in an insurance wrapper, preferential rates
Guarantee no less than the amount invested in the annuity
? Life Insurance
Insures against premature death
Types of life insurance
Term life insurance 定期寿险
Cash value or permanent life insurance 现金价值寿险或终身寿
险
Guaranted cash value life insurance
Variable life insurance变额寿险
Universal life insurance万能险
Variable universal life insurance
Survivorship insurance(Second to Die insurance)
健康保险
对确保高成本的药物治疗
财产保险
确保各类型免于受到伤害的财产
如火险洪水保险地震险家庭保险船舶保险
责任保险
保证对诉讼
其他保险
伤残保险
长期护理保险
投资型产品
保证投资合同(本国,作为回报,一次支付全部保险费,需支付本金和一个预定
的年增长率超过生活的投资
年金——另一项投资产品
共同基金在保险包装材料、优惠的利率
保证不少于投资额在年金
人寿保险
对确保过早死亡
类型的人寿保险
定期寿险定期寿险
现金价值或永久人寿保险现金价值寿险或终身寿险
设定现金价值人寿保险
变量的生活insurance变额寿险
insurance万能险宇宙生命
变量普遍的人寿保险
生存保险(仅次于身故保险金)
单身的年轻人要优先配置意外险 缴费低
意外险是所有人身保险的最基础部分，为了防范日常生活和工作中的各种意外情况，应该先配置一份意外险，―而且意外险也特别适合小李这样的年轻人。‖ 作为一类基础性险种，意外险属于消费型险种，价格也相对便宜，可以保障意外造成的身故或残疾，及意外发生时需要到医院门诊或住院治疗的医疗费用报销和补贴。一般意外险一年才交三百来元就有二十万的保障的啊
重疾险可附加住院补贴
但这类保险均属于消费型险种，不具有返还功能，且住院补贴提供的最长时间为180天。
值得注意的是，大部分住院费用及住院补贴这一类的消费型医疗险，均为一年期的短险，如果投保人病情没有根治，第二年保险公司有权对该客户加费，剔除该病或直接拒保。
如果单身的你对家中双亲负有较大赡养责任，建议其再购买一份定期寿险，加大对身故方面保障，万一不幸，家人可一次性得到一笔生活备用金。比如可考虑增加10万的定期寿险（20年缴费），保费才200元左右。
保费不超总收入15%
专家表示，小李目前保费支出以不超过总收入10%为宜，因为保险并不需要一次性配置完毕，以后随年龄增加，收入增加和家庭情况变化，再逐步补充完善。但是随着年龄增大，身体情况可能会改变，面临的核保风险也会增加，保费也越来越贵，因此应当从年轻时就考虑给自己配置一份基础的意外险和健康险。 专家建议
1，买房前后买寿险防断供风险，一旦由于意外疾病中断收入不能供房 将面临房子被收回的风险
2保险业内人士明确表示，任何家庭进行保险投资时最好能遵循三个大原则，这样才会更科学合理，也不会花冤枉钱。而首要原则就是先意外医疗后养老分红。 人生三大风险——意外、疾病和养老，最难预知和控制的就是意外和疾病。当真正的风险来临时，真正能体现―保险保障‖作用、帮助投保人或受益人渡过经济难关的恰恰是健康型保险和寿险、意外险。
―科学的保险规划，应该先从意外、健康险做起，有了这些最基本的保障，再去考虑其他的险种，也就是说如果没有任何的商业保险，买保险一般应按下面的顺序：意外险（寿险）→健康险（含重大疾病、医疗险）→教育险→养老险→分红险、投连险、万能险。‖业内人士建议。
年轻人通常认为，自己年轻，身体好，不会得什么病，所以无需保险。可是现在重大疾病已年轻化，为了避免万一重病给家里带来的巨大经济压力，作为年轻人或者他们的父母，应该及早树立起这种风险意识。
如今空气污染、食品污染、环境污染、就业压力太大等众多的原因已成重大疾病年轻化的诱因。风险无所不在，所以，每个人在年轻时就都要做一个准备：就是万一罹患大病医药费从哪里来？如果等风险到来时再想起保险已经晚了，保险是未雨绸缪的一种科学规划。
Configured for single young people to give priority to low accident toll
All life insurance accident insurance is the most fundamental part of daily life and work order to prevent in a variety of unforeseen circumstances, should first configure an accident, "and accident insurance are also particularly suitable for young people like Alan."
As a class of basic insurance, accident insurance are consumer, the price is relatively cheap, can protect the accident caused death or disability, and the time of the accident to go to the hospital out-patient treatment or hospitalization, medical expenses and subsidies. Year before the general accident insurance have to pay three hundred million dollars to the protection of the ah
Critical illness insurance may be additional hospitalization subsidies
But such belong to the insurance consumer insurance, does not have a return of function, and hospitalization subsidies provided for a maximum of 180 days.
It is worth noting that most hospital costs and hospital subsidies of this kind of consumer health insurance, are short one-year insurance, if the insured does not cure the disease, the second year of the insurance company the right to increase fees to the customer, eliminate the disease or direct insurance coverage.
If you are single parents bear a larger home maintenance responsibilities, it is recommended to buy a copy of their term insurance, increasing the death aspect of security, if an incident, the family can be a life time imprest. Example, consider an increase of 10 million term life insurance (20 years pay), the premium was 200 yuan. Premium not exceeding 15% of total revenue
Experts said that Li is currently spending to no more than the total premium income of 10% is appropriate, because the insurance does not require a one-time configuration is completed, later increased with age, income and family circumstances change, then gradually add improved. But with age, the body may change, facing increased risk underwriting, premium is also more expensive and should therefore be considered from a young age to own a base configuration of the accident and health insurance.
Expert advice
1, buy a house before and after the break for buying insurance against the risk of disease if the accident can not be interrupted income for housing will face the risk of houses being recovered
2, the insurance industry made it clear that investment for insurance for any family can follow three major principles of the best, this will be more scientific and reasonable, and will not spend money wasted. The first principle is to first post-accident medical pension dividends.
Three risks in life - accidents, disease and old age, is the most difficult to predict and control accidents and diseases. When the real risk comes, truly embody the "insurance" role in helping the insured or the beneficiary through the economic difficulties it is precisely the type of health insurance and life insurance, accident insurance.
"Science of the insurance plan should start with accident and health insurance to start, with the most basic protection, go to consider other types of insurance, that is, if there is no commercial insurance, general insurance should be the following order: accident insurance (life insurance) → health insurance (including major diseases, medical insurance) → Education → Insurance → pension insurance dividend insurance, investment-linked insurance, universal insurance. "industry proposal.
Young people often think that they have young, good health, will not have any disease,
so no insurance. But now major diseases have been young, in case of serious illness to the family in order to avoid the enormous economic pressure, as young people or their parents, should establish an early awareness of this risk.
Today, air pollution, food contamination, environmental pollution, employment pressure has become too much, and many other serious diseases because younger incentives. Risk is everywhere, so everyone in the young age have to do a preparation: is the risk of serious illness in case of medical expenses come from? If so then think of the insurance risk comes late, the insurance is a rainy day scientific planning.
Period, interest rate or currency swaps, etc., these financial instruments and financial transactions with its high interest rates to stimulate the induction and adventure, attracting a large number of investors and a lot of money. Amplification in the process of trading volume, the price was pushed to unrealistic levels, widening the gap between its real value, the performance of its market price much higher than its net worth, the rapid expansion of fictitious capital, which a lot of bubble blowing, produce excessive speculation, prone to financial crises. New.
幼儿
关注教育金规划
幼儿园的小孩安全意识和自我保护能力都比较弱，但在这个阶段他们将进入校园开始与更多的人和事物接触。除了在生活上需要特别全面的照顾外，拥有一份能规避意外风险，而且能为未来成长过程中的各个阶段提供充足的教育金支持的保障计划是非常重要的。
【案例】小多刚满三岁，即将进入幼儿园，目前小多的父母只为他购买了成都市少儿互助金。他的父母都在金融机构上班，家庭的年收入大概在15万元左右。 中德安联人寿理财规划师杨阳认为：小多的爸爸和妈妈希望孩子以后能拥有良好的教育环境，但小多仅仅只拥有少儿互助金，他的人身风险规避方面及为其准备的教育规划方面几乎为零。小多的父母年收入为15万元左右，建议可以拿出其中15%-20%为孩子建立教育规划，建议着眼于教育+保障的保险计划。
【保险计划推荐】：保费共：27515.12元缴费期限：10年
产品：安联逸升优享教育金两全保险（分红型）
保额：2万保费：26118.2元保险期：至30岁保险利益：
教育年金：1、4周岁到17周岁，每年给付2000元，从起点开始的支持；2、18周岁到21周岁，每年给付20000元，大学期间重点支持；3、30周岁，一次性领取200000元，而立之年的强大后盾；身故保险金：18岁前，101%累计应交保险费；18岁后，110%累计应交保险费另有增额红利+
终了红利，分享公司经营成果。
产品：安联附加安康如意住院费用医疗保险
保额：6000元保费：999元保险期：1年（可续保至30岁）保险利益：每次住院医疗费用最高可报销6000元，一年累计最高30000元。
产品：安联附加安康关爱住院补贴医疗保险
保额：50元/天保费：125元保险期：1年（可续保至30岁）保险利益：住院医疗补贴每天50元，一年累计最高180天；重症监护室补贴每天50元，一年累计最高30天。
产品：安联附加安康守护意外伤害医疗保险
保额：5000元保费：59.8元保险期：1年（可续保至30岁）保险利益：每次意外伤害医疗费用报销6000元，每年意外伤害医疗费用报销累计最高金额可达15000元
产品：安联附加投保人豁免保险费失能收入损失保险
保额：— 保费：213.12元保险期：1年（可续保）
保险利益：如投保人发生身故或全残，可豁免剩余期限的主险保费
初中生
关注保障与投资
一般而言，孩子正处于初中阶段的家庭，都是面临上有老下有小的家庭环境，父母作为经济支柱对家庭的重要性不言而喻，此时考虑保险更要从家庭的全面保障来入手。
【案例】陈先生一家三口，儿子陈爽刚上初中。陈先生夫妻二人年收入约12万元。打算购买保险，想解决风险发生时孩子的生活、健康和教育成长问题。 泰康人寿四川分公司理财规划师刘奉夔认为，陈先生家庭收入在成都属中等水平，对于孩子，不仅要他身体健康，更要让其受到良好的教育。陈先生在规划孩子的保障时，应从整个家庭成员的保险来综合考虑，一家三口都应购买保险，只是其侧重有所不同。父母的意外、医疗、重大疾病和寿险保障一定要足够，以保证父母这个经济来源万一中断时，孩子可通过保险的经济补偿来维持生活和接受良好的教育。对于孩子，需要用保险来获得健康、安全和教育这三个最重要的保障。
险种的选择，孩子可以偏重以保障与投资回报相结合的分红型险种。父母最大的财务风险在于固定收入的中断，保障型的险种可以有效规避。一旦发生疾病、残疾甚至身故等人生风险，保险给付金可让家人维持正常的生活，让孩子继续学习。
【保险计划推荐】针对陈先生的家庭状况，建议以下保险
计划：
1、父母均有社保，都还应购买30万的定期寿险和意外保障。
2、孩子可购买成都市少儿互助金、学生平安团体险，这可基本解决日常的生病住院报销；在所辖街道办购买大病医疗互助补充保险，解决重大疾病医疗补贴。
3、泰康人寿推出的一款年金保险产品，其特点是即投即领，年金账户复利增值。建议陈先生作为投保人给儿子投保：每年存1万元，定存20年，儿子60岁前每年固定领取2063元，60岁后每年固定领取6188元，60岁祝寿金36443元，88岁长寿金70823元；若以上金额暂不领取，留存儿子的年金账户复利计息，60岁时年金累计249754元，88岁时年金累计901726元。儿子的保障账户：18岁前返还已交保费，18至88岁拥有206280元身价金。若孩子生存至88岁，累计获得217.4万元的收益。
家庭理财人寿保险应放在首位，它是家庭成员及家庭财务最基本的保障。有了它以后，再考虑其他的理财方式，如银行理财、基金、信托等以期实现资产的增值。 大学生
关注创业金需求
针对即将进入大学的学生，在购买保险时侧重点应在教育金、婚嫁金、创业金、养老金以及保障金这些方面
【案例】小贝8月拿到北京某大学的通知书。家里人既高兴又担心。孩子从来没有离开过家，这次自己出门在外，多少有点让人不放心。小贝学的是市场营销，希望以后大学四年毕业能自己创业。
【保险计划推荐】平安人寿四川分公司理财师廖晓华为他做了如下险种组合：20份吉星送宝+3份健享人生+5份住院津贴+10万意外伤害+1万意外医疗+豁免权。通过以上保险组合计划，将获得以下收益：
保障金：孩子成年后高额的身价保障，寿险30万，意外保障70万，意外残疾1万-10万。小病保障：每次可提供住院报销9000元，非器官移植4500元，器官移植30000元。每次住院补贴50元/天，意外医疗（门诊及住院）每年10000元报销。利益总览：每隔一年孩子将领取年交保费的30%（6000元），直到75岁。 教育金：孩子19岁时可领取6000元+分红，21岁时可领取6000元+分红作为大学教育补充金；
创业金：孩子25岁可领取16万作为创业起步金；
养老金：60岁时可领取57万，（平均每年可领38135元）作为养老金直到75岁。 满期金：75岁时可一次性领取206000元作为一笔丰厚的祝寿金。
豁免权：当投保人（父母）残疾或身故将豁免所有保费。
Child Care
Concerned about education Golden planning
Kindergarten children safety awareness and self-protection than the weak, but at this stage they will start to enter the campus with more contact with people and things. In addition to full life in need of special care, the owners can avoid a risk of accidents, but also for the future growth of the various stages of the process to provide adequate education grant support from the protection scheme is very important.
【Case】 little more than just turned three years old, about to enter kindergarten, is currently only a small number of parents he bought gold mutual Chengdu children. His parents work in financial institutions, the family's annual income of about 15 million.
Allianz Life Financial Planner Yang Yang said: a small number of father and mother want their children to be able to have a good educational environment, but little more than just a children only mutual fund aspect of his personal risk aversion and education for their preparation planning is almost zero. Small number of parents for the 15 million annual income, it is recommended to take 15% -20% of them to establish education programs for children, the proposed focus on education + protection insurance plan.
Recommended】 【insurance plans: Premium Total: 27,515.12 yuan payment deadline: 10 years
Products: Allianz Yat enjoy excellent education rose gold Endowment Insurance (Participating)
Sum assured: 20,000 Premium: 26118.2 yuan insurance period: 30 years of age insurance benefits:
Education Annuity: 1,4 years of age to 17 years of age, annual payments of 2,000 yuan, from the starting point of support; 2,18 years old to 21 years old, paid 20,000 yuan each year, the University during the key support; 3,30 years old, one-time recipients of 200,000 yuan, strong backing thirties; death insurance: before the age of 18, 101% of the total premium payable; 18 years later, 110% of the total premium payable by the amount of dividends otherwise +
End of the dividend and share company results.
Products: Allianz well-being of hospital charges, medical insurance wishful
Insurance coverage: 6000 Premium: 999 per insurance period: 1 year (renewable up to 30 years) the insurance benefits: medical costs per patient reimbursement up to 6,000 yuan, a year cumulative maximum of 30,000 yuan.
Products: Allianz well-being of hospital care for health insurance subsidies
Insurance coverage: 50 yuan / day Premium: 125 Insurance: 1 year (renewable up to 30 years) the insurance benefits: medical benefits hospital day 50, the highest total of 180 days a year; intensive care subsidies to 50 per day year cumulative maximum of 30 days.
Products: Allianz well-being guardian of accident medical insurance
Insurance coverage: 5000 Premium: 59.8 yuan insurance period: 1 year (renewable up to 30 years) the insurance benefits: reimbursement of medical expenses per accident 6000, accident, medical expenses each year cumulative maximum amount of up to 15,000 yuan
Products: Allianz insured exemption disability income insurance premium
Insurance coverage: - Premium: 213.12 yuan insurance period: 1 year (renewable)
Insurable interest: If the insured dies or total disability occurred, the main remaining period may be exempted from insurance premiums
Middle School Students
Attention and investment protection
In general, the child is in the middle stages of the family, are facing under the old and small, family environment, parents as the importance of the family breadwinner is self-evident, this time to consider insurance more comprehensive protection from the
family to start.
【Case】 Mr. Chen, a family of three, son of Chen Shuang just on the junior high school. He is the husband and wife income of about 12 million. Plan to buy insurance, the risk occurs when trying to solve the child's life, health and education to grow up.
Sichuan Branch of Taikang Life Feng Liu Kui financial planners believe that Mr. Chen is a moderate family income levels in Chengdu, for kids, not only to his physical health but also to make it a good education. He is in the planning of the protection of children when the family members should be considering the insurance to a family of three should buy insurance, but their focus is different. Parents, accident, medical insurance, critical illness and life insurance benefits must be sufficient to ensure that the parents in case of disruption of this source of income, the child can be to maintain economic compensation insurance life and receive a good education. For children, need insurance to obtain health, safety and education, the three most important protection.
Insurance options to protect children can emphasis on return on investment combined with the participating insurance. Parents is the biggest financial risk the interruption of fixed income, type of insurance protection can effectively circumvent. In the event of illness, disability and even death and so the risk of life insurance benefit payments allow families to maintain a normal life, let the children continue to learn.
Recommended】 【insurance plan for Mr. Chen's family situation, we recommend the following insurance
Plan:
1, the parents have social security, are also regularly purchase of 30 million life insurance and accident insurance.
2, the children can buy gold in Chengdu Children's Mutual, student peace group insurance, which can basically solve the daily ill in hospital reimbursement; in the street under the jurisdiction of mutual supplement buy catastrophic health care coverage, addressing the health benefits of major diseases.
3, Taikang Life Insurance launched an annuity product, which is characterized by the vote that led, annuity account value of compound interest. He is the son of a proposed insured to the insurance: save 1 million per year, fixed deposit for 20 years, his son before the age of 60 was fixed at 2,063 yuan per year, a year after the age of 60 receive 6188 yuan fixed, 60-year-old birthday Kim 36,443 yuan, 88-year-old longevity Gold 70,823 yuan; if temporarily receive more than the amount of retained son's annuity account compound interest, annuity at age 60 the cumulative 249,754 yuan, 901,726 yuan accrued pension at age 88. Account the protection of his son:
18-year-old has been submitted before the return of premiums, 18 to 88 years with 206,280 yuan worth of gold. If the children survive to 88 years old, received 2.174 million yuan of total revenue.
Family Financial Life Insurance should be the first place, it is the most basic of family members and family financial protection. With it later, and then consider other financial means such as bank finance, funds, trusts, etc. to realize the asset value.
Students
Concerned about the needs of entrepreneurial gold
For students about to enter college, the focus in the purchase of insurance payments should be in education, marriage payments, business payments, pensions and protection fund these
【Case】 Beckham in August received notice of a Beijing university. Family happy and worried. Children have never been away from home, away from home this yourself, how many people do not trust a little. Beckham is a marketing science, four years of university graduates hope to start their own businesses.
Recommended】 【Ping An Life Insurance Scheme Financial Planner Liao Xiaohua Sichuan Branch made the following insurance for his portfolio: lucky to send 20 copies of health to enjoy life Po +3 +5 +10 million copies of accidental injury hospitalization subsidies accident medical + +1 million exemption right. Combination of the above Insurance Scheme, will receive the following benefits:
Security payments: high net worth adult child protection, 30 million life insurance, accident cover 70 million, accidental disability 10 000 -10 million. Protection of minor ailments: to provide hospital reimbursement per 9,000 yuan, 4,500 yuan of non-organ transplantation, organ transplants 30,000. 50 yuan subsidy per patient / day, accidental medical (outpatient and inpatient) claims 10,000 yuan per year. Interest Overview: Every year, children will receive 30% of annual premium pay (6000 dollars), until 75 years of age.
Education payments: the child at the age of 19 can receive 6,000 yuan + bonus, age 21 + can receive 6,000 bonus as an additional payment of university education;
Venture Gold: 25-year-old child can start receiving 16 million payment as a business;
Pension: 60 years of age can receive 57 million, (an average of 38,135 yuan per year receive) as a pension until age 75.
Full of gold: 75 years old to receive 206,000 yuan may be one of the birthday as a rich
gold.
Immunity: When the insured (the parents) will be exempt disability or death of any premium.
首先，健康保险是老年人购买保险时需要优先考虑的保险品种。随着年龄的加大，人的身体机能都发生了较大变化，自身患病的可能性较大。健康保险有医疗保险、疾病保险、收入保障保险和长期护理保险等种类，根据我国保险发展情况和老年人的特点，比较适合的是住院医疗保险和重大疾病保险。医疗保险可以单独购买，也可以作为附加险购买，一般属于消费型保险，主要承保因意外或是疾病住院而产生的费用报销，一般定额给付住院日额保险金。
其次，意外伤害险也很必要，老年人的安全防范能力较差，遭受意外伤害的概率远远高于其他年龄段，特别是在交通事故、火灾以及其它意外情况中都容易受到伤害。
再者，人们也可关注投资型保险。从投资理财的角度出发，老年人在购买足够的保障型保险后，如果还有积蓄，可以适当选择一些具有投资功能的险种，如分红险、投资型家庭财产保险等，以达到保值增值的目的。这些保险都有一定的保障功能，如交通意外伤害保险、家庭财产保险等，有的还可以较低的保费附加一些保障保险，从而在享受收益的同时，享有一定的保额保障。
老有所保要趁早
养老理财，并不是等老年岁月来临的时候才应该着手的事情，为老年时期积累财富，越早开始越好，因为这样成本才越低。如果在年轻时购买了保险，再用适当的资金进行基金定投等方式理财，长期坚持下去，这样的资产配置方式，可以构建起足够的退休保障基础。
等到人老了，再买保险，肯定不是一个好方法，费用较高，容易产生"倒挂"。很多长期寿险产品在设计时并不是考虑一个人的特殊阶段的风险，而是将人的一生都纳入风险计算体系中，老年人遭受疾病、意外风险概率高，是风险高发群体。曾有保险公司试图推出老年保险产品，但由于风险发生率高，加上保险公司资金投资渠道狭窄，导致保险费居高不下，因此"老有所保"还得趁早。
据了解，在保险发达的国家，人们的养老金都是以保险形式实现的，这也是未来发展趋势。选择商业保险制定养老计划时，首先要注重保障功能，使自己在退休后依然能够有稳定的收入，这是第一重要的功能；第二是要注重保值，也就是说要看为自己未来规划的养老金是否能满足今后的消费水平；第三是尽早投保，因为虽然养老是55岁、60岁的事情，但年纪越轻，投保的价格越低，自己的负担也就越轻。一般而言，购买商业养老保险所获得的补充养老金，占未来所有养老费用的25%至40%为宜。
业内人士建议，由于养老保险保障期限长，在漫长的几十年中，可能遇到通胀和利率调整，因此，在买商业养老保险产品时可考虑分红型养老险。保险公司对分红险资金运用收益中的一大部分付给投保人，保险公司运用资金时会根据市场利率水平及通胀进行调整。这样可化解利率波动风险。另外，投保人购买时也可以看养老金的领取方式。有的养老保险产品，当投保人在开始领取养老金后，养老金金额每隔一段时间按一定幅度递增。这种领取方式同样具有抵御通胀的功能。
及时续保很重要
59岁的王先生在前年患了糖尿病，由于购买了健康保险，出院后王先生顺利获得了保险公司的理赔。但去年年尾，他收到了保险公司做出的拒绝继续承保王先生该疾病的通知。
通过代理人的分析，王先生方知如果保险产品不能续保的话，投保人在保险期限内发生保险责任事故，保险公司赔付之后，就可以拒绝为投保人继续承保。因为一旦患病，即使治愈了，投保人重新患病的风险很大，更何况现在慢性疾病发生率较高，有时一种重大疾病会持续一年甚至多年，保险公司的风险太大。 此外,老年人购买健康险有不少挑选技巧，其中很重要的一条法则是看这份保险中是否含有保证续保的条款。因为风险控制的缘故，大部分保险公司的短期医疗保险都不承诺保证续保，但是目前，平安、泰康和太平洋保险公司已经推出了附加此功能的健康险产品。
业内人士表示，一旦保证续保，投保人的风险就可以得到有效化解。因为保证续保也就是到期保险公司必须无条件地给被保险人续保。保险公司对被保险人一旦承诺保证续保后，就失去了对被保险人进行核保的权利，不论被保险人新患何种疾病，保险公司都不得对其增加保费，更不能拒保。由于风险很大，通常保险公司对续保的条件作出不同的规定，有的公司规定投保人连续5年没有发生疾病赔付，才可以永久续保；有的公司则是3年。
老年险日益丰富
长期护理保险是以主要负担老年人的家庭护理、家庭保健及其他相关服务项目的费用支出为保险责任的新型人身保险产品。有了长护险，就等于预先为亲人或自己在年老或者其他情况下需要长期护理时请好了"保姆"。
在发达国家，长护险经过近30年的实践后，成为健康保障的潮流和应对人生其他风险的最重要手段之一。以人保健康去年推出的"全无忧老年护理险"为例，其能提供长期护理、老年护理、癌症、老年疾病，以及身故等综合保障。缴费期间，一经确定"丧失日常生活能力"(由具体条款而定)需要长期护理，保险公司每年给付8%保额的长期护理保险金，并可豁免今后的各期保险费。60周岁开始每年按保额的8%给付老年护理保险金。85周岁前如罹患癌症或5项约定的老年疾病之一，可得到最高等额于2倍保额的保险金。在被保险人身故时，其受益人可获得最高两倍保额的身故保险金。不过保费也相对较高。
老年护理保险是对老年人因疾病、伤残需要长期护理的补偿，两全险、养老险主要提供养老费用，而终身医疗险只有被保险人生病住院，接受治疗才能拿到保险金。
First, the health insurance needs of the elderly to buy insurance priority insurance products. With increasing age, the human body functions have undergone significant changes, their illness more likely. Health insurance and medical insurance, sickness insurance, income protection insurance and long-term care insurance and other types of development under China's insurance and the elderly, and to compare the hospital for medical insurance and critical illness insurance. Health insurance can be purchased separately, you can also purchase additional insurance as a general category of consumer-oriented insurance, mainly due to an accident or illness cover costs incurred by hospital reimbursement, the amount of the general hospital stay fixed payment insurance.
Secondly, accident insurance is also necessary, the elderly, the less security, the probability of accidental injury suffered far higher than other age groups, especially in
traffic accidents, fires and other accident cases are vulnerable.
Moreover, people may be concerned about investment-type insurance. From the perspective of finance and investment, the purchase of adequate protection for older type of insurance, if there are savings, you can choose some appropriate insurance with investment features, such as participating insurance, property insurance and other investment-oriented family in order to achieve the purpose of increasing the value of . Protection of the insurance have certain features, such as traffic accident injury insurance, home insurance, property, and some can also add some protection lower the insurance premium to enjoy the benefits the same time, enjoy a certain amount of insurance protection.
Old age security to be as early as possible
Pension finance, not so old days when it should start coming thing, for the accumulation of wealth in old age, the sooner the better start, because it was the lower cost. If you purchase insurance at a young age, then the appropriate funds to finance the Fund is scheduled to vote, etc., long time to go, so that the asset allocation, you can build a sufficient retirement foundation.
Wait until the old people, buy insurance, and certainly not a good way, expensive, prone to "hanging upside down." Many long-term life insurance products are not considered in the design stage of a person's specific risk, but the person's life are included in risk calculation system, the elderly suffer from disease, accident risk probability is high, high risk groups. The insurance company had tried to introduce old-age insurance products, but because of the high incidence of risk, coupled with the insurance company funds investment channels, leading to high insurance premiums, so "old age security" have as early as possible.
It is understood that the developed countries in the insurance, people's pensions are realized in the form of insurance, which is also the future development trends. Choose to develop commercial insurance pension plans, we must first focus on security function, so that even after his retirement to have a steady income, this is the first important function; The second is to focus on preservation, that depends on future planning for their own whether it can meet future pension levels of consumption; third is insured as soon as possible because, although pension is 55 years old, 60-year-old things, but the younger, lower the price of insurance, the more light the burden of their own. In general, the purchase of commercial pension insurance supplement received pensions, accounting for all future pension costs of 25-40% is appropriate. Industry have suggested that, due to the long duration of pension insurance, in the long decades, inflation and interest rate adjustment may be encountered, therefore, to buy commercial pension insurance products may consider participating endowment insurance. Insurance companies participating insurance funds a large portion of the proceeds paid to the insured, the insurance company will use funds in accordance with market interest rates and inflation adjustments. This will resolve the interest rate fluctuations. In addition, the insured can see the time of purchase to receive a pension mode. Some pension insurance products, when the insured at the beginning of the pension, the pension amount from time to time by certain increments. This collection method also has the function against inflation.
Very important and timely renewal
Mr. Wang, 59, suffering from diabetes in the previous year, due to the purchase of health insurance, Mr. Wang successfully obtained after discharge from the insurance company's claims. But late last year, he received the insurance company refused to cover Mr. Wang made the notification of the disease.
Analysis by proxy, Mr. Wang does not know the renewal if the insurance if the insured period occurred in the insurance accident insurance, insurance companies Peifu, you can refuse to continue coverage for the insured. Because once the illness, even if cured, the disease is very risky to re-insured, not to mention a higher incidence of chronic disease now, and sometimes a major illness will last a year or years, the insurance company too risky.
In addition, there are many elderly people choose to purchase health insurance technique, which is very important to a rule of thumb is to see whether this policy with guaranteed renewal provisions. For the sake of risk control, most insurance companies do not undertake to guarantee short-term medical insurance renewal, but for now, peace, Taikang and Pacific Insurance Company has introduced an additional feature of health insurance products.
The industry said that once guaranteed renewal, the insured's risk can be effectively resolved. Guaranteed renewal is due for the insurance company must be unconditionally renewal to the insured. Insurance company when the insured committed to ensuring that renewal, you lost the insured the right to nuclear security, regardless of what the insured a new risk of disease, insurance companies may increase their premiums, not to the insurance coverage . As risky, insurance companies usually make different conditions for renewing the provisions, some provisions of the insured company for 5 years, disease did not occur damages, it can permanently renewed; some companies is 3 years.
Old risks becoming richer
Long-term care insurance is the main burden of the elderly home care, home health care and other related services for the insurance liability expense the cost of a new life insurance products. With the long-care insurance to their relatives or their equivalent prior to old age or other circumstances in the long-term care when you need a good "nanny."
In developed countries, long-care insurance after nearly 30 years of practice, as the trend of health protection and response to other risks in life one of the most important means. Healthy people, launched last year "worry-free elder care all risks", for example, it can provide long-term care, elderly care, cancer, age-related diseases, and death, comprehensive protection. Payment period, once established, "the loss of activities of daily living" (determined by the specific provisions) requires long-term care, insurance companies pay 8% of the sum insured per year long-term care insurance, and exemptions in the future phases of the insurance premium. Annually, beginning at 60 years 8% of the sum insured paid aged care insurance. 85 years ago, such as cancer or five of the agreed age-related diseases can be obtained equal to 2 times the maximum insured amount of the insurance. In the death of the insured, the beneficiary can obtain the highest amount of twice the insurance death insurance. But
the premium is relatively high.
Aged care insurance for the elderly due to illness, disability compensation for long-term care needs, endowment insurance, the main provider of old-age pension insurance costs, medical insurance for life insurers only be hospitalized for treatment in order to get insurance.
9. Credit rating(信用评级)
信用评级(Credit Rating)，又称资信评级，是一种社会中介服务为社会提供资信信息，或为单位自身提供决策参考。
信用评级有狭义和广义两种定义。狭义的信用评级指独立的第三方信用评级中介机构对债权人如期足额偿还债务本息的能力和意愿进行评价，并用简单的评级符号表示其违约风险和损失的严重程度。广义的信用评级则是对评级对象履行相关合同和经济承诺的能力和意愿的总体评价。
首先，信用评级的根本目的在于揭示受评对象违约风险的大小，而不是其他类型的投资风险. 其次，信用评级所评价的目标是经济主体按合同约定如期履行债务或其他义务的能力和意愿，而不是企业本身的价值或业绩.第三，信用评级是独立的第三方利用其自身的技术优势和专业经验，就各经济主体和金融工具的信用风险大小所发表的一种专家意见，它不能代替资本市场投资者本身做出投资选择。
Credit Rating (Credit Rating), also called the Credit Rating, is a social intermediary services provide social Credit information, or to provide decision-making reference for the unit itself.
Credit rating has two narrow and broad definition. Narrow sense of credit rating refers to an independent third party credit rating intermediary orgnaization of creditors duly full repayment of the debt of the principal and interests of ability and willingness to evaluate, with simple rating symbols to show its default risk and loss of severity. The credit rating is generalized to rating object to perform related contracts and economic commitment of the ability and the willingness to overall evaluation.
First, credit rating of the fundamental purpose is revealed by the size of the object of default risk assessment, rather than other types of investment risk. Secondly, credit rating was ealuated goal is the economic subject fulfill debt on schedule as stipulated in the contract or other obligations willingness and ability of the enterprise itself, rather than the value or performance. Third, credit rating is an independent third party USES its own technical advantages and professional experience, various economic subject and financial instruments of credit risk size that published an expert opinion, it cannot replace capital market investor itself to make investment options.
:这种方法主要分析以下五个方面信用要素：借款人品德(Character)、经营能力(Capacity)、(Capital)、抵押(Collateral)、经济环境(Condiltion)。
5P要素分析法 个人因素(Personal Factor)、资金用途因素(Purpose
Factor)、还款财源因素 (Payment Factor)、债权保障因素(Protection Factor)、企业前景因素(Perspective Factor)。
5W要素分析法 5W要素分析法即借款人（Who）、借款用途（Why）、还款期限（When）、担保物（What）及如何还款（How）。
4F法要素分析法 4F法要素分析法主要着重分析以下四个方面要素：组织要素（Organization Factor）、经济要素（Economic Factor）、财务要素（Financial Factor）、管理要素（Management Factor）。
CAMPARI法 CAMPARI法即对借款人以下七个方面分析：品德，即偿债记录（Character）、借款人偿债能力（Ability）、企业从借款投资中获得的利润（Margin）、借款的目的（Purpose）、借款金额（Amount）、偿还方式（Repayment）、贷款抵押（Insurance）。
LAPP法 LAPP法分析以下要素：流动性（Liquidity）、活动性（Activity）、盈利性（Profitability）和潜力（Potentialities）。
骆驼评估体系 骆驼评估体系包括五个部分：资本充足率（Capital adequacy）、资产质量（Asset Quality）、管理水平（Management）、收益状况（Earnings）、流动性（Liquidity），其英文第一个字母组合在一起为―CAMEL‖，因正好与―骆驼‖的英文名字相同而得名。
The 5 c element analytical method: this method is mainly analyses the following five aspects: borrower moral credit elements (full), operation ability (Capacity), Capital (are), assets mortgage Collateral), economic environment ((Condition). 5P element analytical method Personal factors (Personal Factor), capital USES factors ('re Factor), reimbursement revenue factors (we), the creditor's rights safeguard Factor Protection Factor), factors (enterprise prospect factors (with Factor). Moksan 0.5w power factor analysis 5W element analytical method i.e. borrower (Who), the borrowing purpose (Why), reimbursement deadline (come), collateral (pains) and How to reimbursement (How). 4F method element analytical method 4F method element analytical method mainly focuses on analyzing the following four aspects elements: organizational elements (in Factor), Economic factors (one Factor), Financial firms elements (Factor), Management elements (Management Factor). CAMPARI CAMPARI method to borrowers that method under seven aspects: moral Character, namely debt-repaying analysis record (full), the borrower debt-repaying Ability (being), enterprise from borrowing investment profits (how), the borrowing Purpose ('re), borrowing Amount (Amount), Repayment method (Repayment), loan mortgage (you). LAPP method LAPP method to analyze the following factors: the Liquidity (Liquidity), active (safe) and Profitability (Profitability) and potential (Potentialities). Camels appraisal system including assessment system for camels five parts: Capital adequacy ratio (are), Asset Quality (adequacy Asset Quality), the Management level (Management), profit condition (Earnings), Liquidity (Liquidity), its English first letter together as "CAMEL", because of just "CAMEL" English name is the same and the name.
上述评级方法在内容上都大同小异，是根据信用的形成要素进行定性分析，必要时配合定量计算。他们的共同之处都是将道德品质、还款能力、资本实力、担保和经营环境条件或者借款人、借款用途、还款期限、担保物及如何还款等要素逐一进行评分，但必须把企业信用影响因素的各个方面都包括进去，不能遗漏，否则信用分析就不能达到全面反映的要求。
The above rating method in content are familiar, is according to the credit of forming factors qualitative analysis with quantitative calculation, when necessary. Their common are will moral character and the repayment ability, capital strength, guarantees and operating environment conditions or the borrower, the borrowing purpose, reimbursement deadline, collateral and how to reimbursement elements such as one, but it must be evaluated factors affecting the enterprise credit all aspects of included, can't miss, or credit analysis cannot achieve reflect overall requirements.
10. 承销 underwriting P91
Underwriting of securities
? Advising the issuer on the terms and the timing of the offering
? Buying the securities from the issuer
? Distributing the issue to the public
对发行人就发行条件和时间进行建议
从发行公司买保险
向公众分销
Types of underwriting
? Firm-commitment underwriting 包销
? Investment banking agree to buy the securities from the issuer at a set
price
? risk : the price it pays to purchase the securities from the issuer will be
less than the price it receives when the reoffers the securities to the
public (破发)
? Best-efforts 代销
? The underwriter agree to sell as many shares as possible at the
agreed-upon price
? Underwriting syndicate 承销辛迪加
? a group of investment banking firms underwrite the issue
11.一级市场primary market
? 在西方国家，一级市场又称证券发行市场、初级金融市场或原始金融市场。在一级市场上，需求者可以通过发行股票、债券取得资金。在发行过程中，发行者一般不直接同持币购买者进行交易，需要有中间机构办理，即证券经纪人。所以一级市场又是证券经纪人市场。
? in western countries, the primary market also called securities issuance market, the primary financial markets or original financial markets. In the primary market, demanders can through the issuance of stocks, bonds get funds. In the issue of process, issuers generally does not directly linked to hold money buyers transactions, need to have intermediate agencies, namely securities broker. So is the primary market securities brokerage market.
股票一级市场指股票的初级市场也即发行市场，在这个市场上投资者可以认购公司发行的股票。通过一级市场，发行人筹措到了公司所需资金，而投资人则购买了公司的股票成为公司的股东，实现了储蓄转化为资本的过程
The primary market shares of stock refers to the primary market namely publication market, in this market investors can subscribe the stocks issued by a company. Through the primary market, an issuer has raised the funds required for the company, and investors are bought shares in the company become company's shareholders, realized the savings into capital process
主要功能：为资金需求者提供筹措资金的渠道；为资金供应者提供投资机会，实现储蓄向投资的转化；形成资金流动的收益导向机制，促进资源配置的不断优化。
主要特点
（1）发行市场是一个抽象市场，其买卖活动并非局限在一个固定的场所。
（2）发行是一次性的行为，其价格由发行公司决定，并经过有关部门核准。投资人以同一价格购买股票
Main function: for capital demanders provide financing channels, To fund provider providing investment opportunities, to realize the conversion from saving to investment, Form the flow of funds earnings guidance mechanism to promote constantly optimize the allocation of resources.
Main features
(1) circulation market is an abstract market, its business activities are not confined to a fixed place. (2) issued a one-time behavior, its price by issuing company decided, and pass by relevant department for approval. Investors to buy shares the same price
12. 二级市场The secondary market
股票的二级市场即股票的流通市场，是指已发行的股票在投资者之间互相转让 易手的市场。二级市场包括交易场所的场内市场和场外市场。
Stock the secondary market namely stock circulation market, it is to point to already issued shares in investors each other between the transfer market changed hands. The secondary market including trading places field market and the over-the-counter market.
二级市场的作用
二级市场在于为有价证券提供流动性。保持有价证券的流动性，是证券持有者随时可以卖掉手中的有价证券，得以变现。（如证券持有者不能随时将自己手中的有价证券变现会造成无人购买有价证券。）也正是因为为有价证券的变现提供了途径，所以二级市场同时可以为有价证券定价，来向证券持有者表明证券的市场价格。
A secondary market for securities lies in providing liquidity. Maintain
securities mobility, is ready to sell securities holders of securities, the hand to
be sold. (such as securities holders can't keep their hands of securities realizable will cause no one purchase securities. It is also for securities realizable provides ways, so the secondary market also is negotiable securities pricing, to show the securities holders of securities market price.
二级市场的主要功能
（1） 促进短期闲散资金转化为长期建设资金；（2）调节资金供求，引导资
金流向，沟通储蓄与投资的融通渠道；（3）二级市场的股价变动能反映出整个社会的经济情况，有助于抽调劳动生产率和新兴产业的兴起；（4）维持股票的合理价格，交易自由、信息灵通、管理缜密，保证买卖双方的利益都受到严密的保护。已发行的股票一经上市，就进入二级市场。投资人根据自己的判断和需要买进和卖出股票，其交易价格由买卖双方来决定，投资人在同一天中买入股票的价格是不同的。
(1) promote short-term idle funds into long-term construction funds, (2)
adjust capital supply and demand, and guide capital flows,
communication, savings and investment of financing channels, (3)
secondary market share price changes to reflect the whole social
economic conditions, helps to deploy labor productivity and
emerging industrial rising; (4) maintain reasonable price, stock
trading freedom, well-informed, management careful, guarantee the
interests of both parties have been tight security. Once already
issued shares listed, came into the secondary market. Investors
according to their own judgment and need to buy and sell stocks, its
market price by both parties to decide on the same day, investors buy the stock prices are different.
13.双重上市
双重上市（Dual Listing）是指同一家公司分别在两个不同的证券交易所（通常是跨国或跨境）挂牌上市的行为。
Dual Listing (Dual Listing) refers to the same company respectively in two different stock exchange (usually multinational or cross-border) Listing behavior.
双重上市具有向投资者发送“高质量”公司的信号示意功能。境内上市公司选择到一个监管更严格、投资者保护更完善的境外资本市场实现双
重上市，是为了向外部投资者传递公司管理层对公司高质量和高治理水平的信号，从而与市场上其他低质量的公司区分开来，以获得更高的估值回报。
Dual listing to investors have sent "high quality" company of signal
beckoned to function. Domestic listed companies to choose a regulatory stricter, investor protection more perfect overseas capital market, in order to realize double listed to the outside investors transfer management for the company high quality and high governance level of signals, thus in markets and other low quality of the company to distinguish, to obtain higher valuations returns.
随着全球经济一体化的发展和各国金融自由化的发展，国际资本流动日益趋向自由化，同时世界各主要金融市场，特别是证券交易所在竞争与合作的过程中不断加强联盟。企业的双重上市也日趋频繁。在这种大的国际经济背景下，中国公司也逐步走向境外证券市场。同时，随着中国经济的快速发展，世界上各主要交易所都把目标瞄向中国，吸引中国公司到境外交易所上市交易。
With the integration of the global economy and foreign financial
liberalization of development, international capital flows, while the world increasingly trend liberalization major financial market, especially the stock exchange in competition and cooperation in the process of
continuously strengthen alliance. Enterprise of dual listing also day byday frequent.. In this large international economic background, Chinese
companies have gradually enter overseas securities markets. At the same time, along with the rapid development of China's economy, the world is the main target sight the Chinese exchange to attract Chinese companies to overseas exchange listing.
14.股票
股票发行是指符合条件的发行人依照法定程序向投资者募集股份或增配股份的行为。
（一）股票发行的目的
股票发行的目的比较复杂，除了筹集资金，满足企业发展需要这一主要目的以外，其它一些目的如调整公司的财务结构、进行资产重组、维护股东利益等都可引起股票发行。概括起来主要有以下几个方面：
1、新建股份有限公司筹集资金，满足企业经营需要。
股份有限公司的成立有两种形式：一种是发起设立，即由公司发起人认购全部股票。发起设立程序简单，发起人出资后公司设立即告完成，但这类公司规模较
小；另一种是募集设立，即除发起人本身出资外，还需向社会公开发行股票募集资金。按照我国《公司法》的规定，以募集设立方式设立股份有限公司的发起人认购的股份不得少于股份总额的35%。这类公司的规模一般较大。
2、现有股份有限公司改善经营。
现有股份有限公司为扩大经营规模或范围，提高公司的竞争能力而投资新的项目时，需增加发行股票筹集资金，人们通常称之为增资发行。
3、改善公司财务结构，保持适当的资产负债比例。
当公司负债率过高时，通过发行股票增加公司资本，可以有效地降低负债比例，改善公司财务结构。
4、满足证券上市标准。
股票在证券交易所上市需要满足的条件很多，其中一个重要的方面就是股本总额。我国《公司法》规定，股份有限公司的股票要在证券交易所上市，其股本总额不得少于人民币5千万元。因而有些公司为了争取股票在证券交易所挂牌上市，就要通过发行新的股票的方式来增加股本总额，满足上市标准。
5、公积金转增股本及股票派息。
当股份有限公司的公积金累计到一定的水平时，在留足了法律规定的比例以后，可以将其余的公积金转为资本金，向公司现有股东按比例无偿增发新股。另外，当公司需要资金用于扩大投资时，会选择用股票而不是现金来分红派息。
6、其它目的。
（1）转换证券。指当公司需要将发行在外的可转换债券或其它类型的证券转换成公司股票时，要向债权人发行股票。
（2）股份的分割与合并。股份的分割又称为拆股，股份的合并又称为缩股。拆股或缩股时须向原股票持有人换发新股票。
（3）公司兼并。公司可以向目标企业发行本公司的股票，目标企业以其资产作为出资缴纳股款，由此完成对目标企业的兼并。
(二)、股票公开发行的条件
1、初次发行的条件
初次发行包括以募集方式新建股份有限公司时公开发行股票和原有企业改组为股份有限公司首次公开发行股票两种情况。初次发行应当向中国证监会递交募股申请，经批准后方可发行。
以募集方式新建股份有限公司，发行人申请公开发行股票时，应当符合下列条件：
（1）其生产经营符合国家产业政策。
（2）其发行的普通股限于一种，同股同权。
（3）发起人认购的股本数额不少于公司拟发行股本总额的 35 ％，其认购部分不少于人民币3000万元（国家另有规定的除外）。
（4）公司股本总额不少于人民币5 000万元。
（5）向社会公众发行的部分不少于公司拟发行股本总额的25％，拟发行股本超过4亿元的，可酌情降低向社会公众发行部分的比例，但最低不得少于公司拟发行股本总额的15％。
（6）发起人在近3年内没有重大违法行为。
原有企业改组设立的股份有限公司初次发行股票，除应符合上述条件外，还应具备下列条件：
发行前一年末，净资产在总资产中所占比例不低于30％，无形资产在净资产中
所占比例不高于20％，但国家另有规定的除外。
Stock issuance is eligible accordance with legal procedures the issuer of shares or by raising the investors with the behavior of stock.
(A) The objective of share issue
The purpose of share issue is more complex, in addition to raising funds to meet the development needs of businesses outside of this purpose, a number of other purposes as to adjust the company's financial structure, asset restructuring, and so can cause on behalf of shareholders equity issue. Summed up in the following areas:
1, the new Corporation to raise funds to meet business needs.
Co., Ltd. The establishment of two forms: one is initiated the establishment, from the company all the shares subscribed by the promoters. Initiated the establishment of simple procedures, the promoters contribution shall be completed after the companies to set up, but the smaller scale of these companies; the other is the name of company, that is, except the promoters contribution in itself, the need to issue shares to the public to raise funds. According to China "Company Law" requirements in order to raise establishing a joint stock limited company the shares subscribed by the promoters shall not be less than 35% of the total shares. Generally larger size of these companies.
2, the existing Co improve the business.
Co., Ltd. to expand the existing scale or scope to improve the competitiveness of the company and invest in new projects, the need to increase the issuance of shares to raise funds, people often called capital increase.
3, to improve the company's financial structure and maintain an appropriate proportion of the assets and liabilities.
When the corporate liabilities ratio is high, increase the company's capital through the issuance of stock, you can effectively reduce the debt ratio and improve the company's financial structure.
4, to meet the standards of the securities market.
Shares listed on many conditions to be met, one important aspect is the total share capital. China's "Law" stipulates that Corporation's stock to be listed on a stock exchange, and its total share capital of not less than RMB 5 million. Thus some companies to seek listing of shares on the stock exchange, it is necessary by way of issuing new shares to increase the total share capital, to meet the listing criteria. 5, reserve capitalization and stock dividends.
Co., Ltd. The fund accumulated as to a certain level, leaving enough in the ratio of the law after the remaining fund can be converted to capital, existing shareholders in proportion to the company issuing new shares free. In addition, when the company needs funds for the expansion of investment, will choose to use stock rather than cash dividends payable.
6, for other purposes.
(1) Convertible Securities. That when the company needs to outstanding convertible bonds or other types of security can be converted into company stock, issue stock to the creditors.
(2) Stock split and merge. Also known as split share split, share consolidation, also
known as Sugu. Stock splits or Sugu when the original stock holders are required to issue a new stock.
(3) takeover. A company may issue the target company's stock, the target company of its assets as capital payment for shares, which completed the annexation of the target company.
(B), conditions for IPO
1, the initial conditions of release
Initial public offering, new issue includes joint stock public offering and restructuring of existing enterprises Ltd IPO two cases. IPO offering should submit an application to the CSRC for approval before distribution.
New way to raise Corporation, the issuer public offering application, it shall meet the following conditions:
(1) its production operations in line with national industrial policy.
(2) of its issued common shares limited to one, with the shares of the same rights.
(3) the amount of capital subscribed by the promoters of the company to be not less than 35% of the total issued share capital, part of their subscription of not less than 30 million yuan (unless otherwise provided by state.)
(4) The total share capital of not less than RMB 5000 yuan.
(5) issued to the public part of the company to be not less than 25% of total issued share capital, to be issued share capital of more than 400 million yuan, and can be released to the public as appropriate, reduce the proportion of parts, but not less than the minimum to be issued share capital of the company 15% of the total.
(Six) promoters in the past 3 years, no major violations.
Restructuring of the original Enterprise Co., Ltd. established the initial issue of shares shall meet the above-mentioned conditions, but also satisfy the following conditions:
(1) the end of the previous issue, the net assets in the proportion of the total assets of not less than 30% of net assets, intangible assets in the proportion of not more than 20%, but the state except as otherwise provided.