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论文编号：	11587
作者编号：	2220160778
上传时间：	2020/6/6 10:47:33
中文题目：	人寿保险在财富传承中的应用研究—从高净值人群需求来分析高额寿险的财富传承功能
英文题目：	Research on the application of life insurance in inheritance of wealth：Analyzing the wealth inheritance function of high value life insurance from the needs of high net worth people
指导老师：	王永进
中文关键字：	高净值人群；财富传承；保险功能；高额寿险
英文关键字：	High Net worth Population; Wealth Inheritance; Insurance Function; High value life insurance
中文摘要：	根据招商银行与贝恩公司联合发布的《2019中国私人财富报告》中指出，2018年我国个人可投资资产1000万人民币以上的高净值人群规模达到了197万人，个人可投资资产总规模达到190万亿人民币，稳居全球第二。这充分说明我国已有一大批高净值人群，但在这群人中，有70%以上面临退休的问题。他们退休后，其子女是否有意愿和有能力接班，能否将其事业进行维持和发展，其家族财富能否得到很好的保全和传承，是对“富不过三代”的挑战。伴随我国第一代高净值人群集中步入退休年龄，以及未来可能征收房产税和遗产税等相关政策的刺激，他们关注的重点，也从创造财富向传承财富转移，财富传承问题也日渐凸显，得到了极大的关注。 财富传承是一个非常专业的财富管理问题，其中会涉及到遗嘱、生前赠与、法律协议、税务筹划、人寿保险、家族信托以及身后财产安排等诸多专业且复杂的问题。因此，如何帮助高净值人群，全方位了解财富传承的相关知识和如何运用财富传承的工具，识别财富传承的风险和痛点，提供解决财富传承的路径，找出打破“富不过三代”的魔咒，以达到“富过三代”和“基业长青”的目的成为可能。 保险是人类社会风险管理的一种有效方法，作为保险中重要组成部分的人寿保险，其独特的作用在对社会的稳定、人生的规划和财富的管理中都能有所体现。高额寿险对高净值人群来说，不仅可以对冲社会生活中比较大的人身风险、意外风险、疾病风险等给家庭带来的经济损失，维护家庭财务状况的稳定，同时还是家庭财富管理的重要工具。在家庭资产保全、婚姻财富规划和财富传承规划等财富管理工具中具有独到的功能。 目前，国内对高净值人群财富管理中财富传承问题的研究，大多数是基于财富管理机构本身的视角，缺少从高净值人群的视角。因此，基于我国高净值人群的特征，结合国内外财富传承相关的理论和方法，从我国高净值人群财富传承的角度出发进行分析，通过与其他财富传承工具的对比，深入分析各种财富传承工具的优势与劣势，得出高额寿险在高净值人群财富传承中运用的科学性和重要性，对促进我国高净值人群的财富科学传承具有重要的理论意义。 本文运用理论与实践相结合的方式，全面阐述了财富管理中财富传承的工具和方法。既对高净值人群中财富传承的问题进行了一次全面的梳理与总结，同时也对高额寿险在高净值人群财富传承中的问题进行了一次探讨。以案例分析为基础，通过详实案例的探讨，对高额寿险在高净值人群财富传承中的运用与操作进行解析。从研究高净值人群如何从财富传承的角度出发，探索高额寿险在众多财富传承工具中进行科学合理的运用，对高净值人群财富传承有着重要的现实指导意义。 本文首先介绍了研究背景和研究意义，并对全文研究内容进行梳理，提出研究方法，通过分析国内外相关文献，引出本文所探讨的问题。其次，从高净值人群，财富传承，人寿保险，高额寿险等进行定义和概念梳理，探讨财富传承和风险原理的理论依据，结合高净值人群各方面特征和财富传承及保险功能，探索高额寿险在高净值人群财富传承中的金融功能。最后，从财富传承的角度对相关财富传承工具做比较分析和案例分析，根据分析结果讨论各种财富传承工具对高净值人群财富传承中起到的积极作用和意义，提出高净值人群在财富传承中高额寿险的规划策略及存在问题的解决建议，再得出本文的结论。
英文摘要：	According to the “2019 China Private Wealth Report” jointly issued by China Merchants Bank and Bain & Company, the number of high-net-worth individuals with personal investable assets of more than 10 million Yuan in China reached 1.97 million in 2018, and the total personal investable assets reached 190 Trillion Yuan, ranking second in the world. This fully shows that China already has a large number of high net worth people, but more than 70% of this group of people are facing the problem of retirement. After they retire, whether their children have the will and ability to take over Whether or not to maintain and develop their careers and whether their family wealth can be well preserved and inherited is a challenge to "three generations". With the first generation of high-net-worth individuals in our country, they are entering the retirement age and the future the stimulus of related policies such as real estate tax and inheritance tax may be levied. The focus of their attention has also shifted from wealth creation to inheritance. The issue of wealth inheritance has also become increasingly prominent and has received great attention. Wealth inheritance is a very professional wealth management issue, which will involve many professional and complex issues such as wills, gifts during life, legal agreements, tax planning, life insurance, family trusts, and property arrangements behind you. Therefore, how to help high net worth individuals To comprehensively understand the relevant knowledge of wealth inheritance and how to use the tools of wealth inheritance, identify the risks and pain points of wealth inheritance, provide a path to solve wealth inheritance, and find out the curse that breaks the "rich but three generations" in order to achieve "more than three generations rich The purpose of "and the foundation evergreen" becomes possible. Insurance is an effective method of risk management in human society. As an important part of insurance, life insurance plays a unique role in social stability, life planning and wealth management. For high net worth people, High value life insurance can not only hedge the greater personal risk, accident risk, disease risk and other economic losses to the family, maintain the stability of the family financial situation, but also an important tool for family wealth management. It has unique functions in wealth management tools such as family asset preservation, marriage wealth planning and wealth inheritance planning. At present, most of the domestic studies on wealth inheritance in wealth management of high net worth individuals are based on the perspective of wealth management institutions themselves, and lack the perspective of high net worth individuals. Therefore, based on the characteristics of China's high net worth individuals, combined with domestic and foreign wealth inheritance. Relevant theories and methods are analyzed from the perspective of wealth inheritance of high-net-worth individuals in China. By comparing with other wealth inheritance tools, they analyze the advantages and disadvantages of various wealth inheritance tools, and conclude that high-value life insurance is in the high-net-worth population. The scientific and importance of wealth inheritance have important theoretical significance for promoting the wealth inheritance of high net worth individuals in China. This article uses a combination of theory and practice to comprehensively explain the tools and methods of wealth inheritance in wealth management. It not only comprehensively sorts out and summarizes the problems of wealth inheritance among high net worth individuals, but also deals with high-value life insurance. The issue of wealth inheritance of high net worth people was discussed once. Based on case analysis, through the detailed case study, the application and operation of high-value life insurance in wealth inheritance of high net worth people were analyzed. From the perspective of wealth inheritance, exploring the scientific and reasonable use of high-value life insurance in many wealth inheritance tools has important practical guiding significance for the wealth inheritance of high net worth individuals. This article first introduces the research background and research significance, combs the research content of the full text, proposes research methods, and analyzes the relevant literature at home and abroad to elicit the problems discussed in this article. Second, from high net worth people, wealth inheritance, life insurance, high The definition and concept of life-long life insurance are summarized, the theoretical basis of wealth inheritance and risk principles are explored, and the features of high-net-worth individuals and the wealth inheritance and insurance functions are combined to explore the role of high-value life insurance in wealth inheritance of high-net-worth individuals From the perspective of wealth inheritance, make a comparative analysis and case analysis of related wealth inheritance tools, and discuss the positive effects and significance of various wealth inheritance tools on the wealth inheritance of high net worth individuals based on the analysis results. Planning strategies and solutions to existing problems, and then draw the conclusions of this article.
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