The Research Of Personal Insurance Financial Planning Market

Personal Financial Planning (PFP) is more and more accepted by people and regarded by the financial organizations in China recent years. The growing of PFP in China has relationship to much such as the development of Market Economy and Capital Market, the more financial products, and the higher level of people's gross income. People have gradually begun to establish the concept of investment. Stocks, bonds, foreign exchange, insurance, investment tools comes into more people's daily lives. Compared to America and Japan, PFP is still in the initial stage in our country.In China, many people of insight have attached great importance to the development of personal financial services, and conducted more research. However, most of them, on more narrow perspective, focused on the research of the financial business of commercial banks or financial structure of the residents, to the neglect of other financial market organizations roles, such as insurance companies.As the major force of China's financial market, the insurance industry in recent years has made substantial progress, playing an important role. In social life, insurance are attracting increasing attention, and people's concept of family financial structure gradually increases. As China's stock market continued the bull market, stocks and funds are sought after by the people. With the unique functions and features, insurance products are showing some degree of competitiveness, and providing people more investment choices. But the problem is always accompanied by the development. The achievements insurance has made are notable, but its problem reflected in the development should also be noteworthy and research. In personal financial perspective, I expositions the issues related to insurance development. From the macro and micro, theory and practice perspectives, this paper attempts to analyzes problems and difficulties the insurance companies facing in personal finance and operational, and to put forward the following Development of China's insurance companies, through researching environment, operation system and the practice situation of the development. This paper will research the manpower management, product innovation and business models of insurance companies.This paper is divided into seven chapters. Chapter I: defines the concept of personal financial management and personal financial services, expositions the relevant theory of personal financial business, analyzes the economics basis of personal finance; ChapterⅡ: analyzes personal financial market environment; ChapterⅢ: analyzes the history and status of overseas and domestic market development and points out questions in the market; Chapter IV: demonstrates the relations between insurance and finance, and describes the development of China's insurance market; Chapter V: researches the human resources, innovation of insurance and models for China insurance industry.