Based On The Life Cycle Of Financial Theory Of Insurance And Financial Research

Insurance finance is a part of personal finance is an indispensable to meet people, investment protection and avoidance of risks, and many other needs. In recent years, the great development of China's finance and insurance market, premium income and insurance density has increased insurance coverage increasingly into financial hot spots and consumption trend. But at the moment only in our personal finance and insurance business development initial stage, there exist many problems in the actual business operation process, so this article respectively on financing business of supply side and demand side analysis, identify problems and to analyze the reasons, so as to make relevant suggestions and direction for the future development of personal finance and insurance business direction.Originated in the insurance life cycle of financial theory people separately at different stages of life of different insurance plans, that income levels at different stages of life, the family burdens and risks are different, for specific situations need to be scientific and reasonable insurance planning; insurance companies should be brought into full play the life cycle of important guiding significance of the theory of financial management, to provide customers throughout the life cycle of financing business. Therefore, this article describes the life cycle of insurance on the basis of principles of financial management on the existing supply and demand of China's insurance financial services to analyze the application of life cycle theory of financial management, verify that theory is consistent with the actual.This article first review at home and abroad related life cycle financial theory and insurance financial of literature information, then in describes life cycle financial and insurance financial of theory Foundation Shang, analysis in China personal insurance financial business status, which, analysis status Shi from supply party and demand party to for analysis, test actual business operation is and theory advocated match, made exists problem and on causes for analysis, last for problem respectively on supply and demand both made related countermeasures recommendations.Through research, this article believe that my personal finance and insurance business of supply side and demand side in practice reflect the life-cycle thinking to some extent, insurance on insurance companies in the design product for different target provides different types of insurance and insurance period; less revenue when customers purchase insurance, the burden of the family insurance needs of small, whereas insurance needs. But life cycle financial theory in China of personal insurance financial business in the also no are full application, insurance company no for customer of different life cycle for market subdivision, is not do under different life cycle provides differences sexual service, caused same Zhang policy applies Yu any customer of situation appears; residents no under own of life cycle science purchase insurance, caused last buy to of products not own by need of.Because in China personal insurance financial is development of started stage, life cycle financial theory in business in the application does not full, therefore, this article pursuant to status analysis conclusions and combination causes, made to life cycle financial theory to guidance personal insurance financial business of supply both, insurance company under customer life cycle for market subdivision and provides differences sexual service, residents under own of life cycle understanding insurance demand, to science, and reasonable of purchase insurance.