《保险研究》20191101-《保险在财富管理中的应用研究》（周延礼、高皓）

［摘   要］保险可为家庭财产和人身健康提供风险保障和经济补偿。保险可以提供财产保障、健康医疗保障、投资理财收益,还具备为高净值家庭提供财富传承、税务筹划等诸多功能。保险是财富管理必备的金融工具。随着我国国民财富规模的不断增长和家庭财富管理意识的提升,财富管理对保险的需求会逐步增加,保险将在财富管理中发挥更为重要的作用。发挥保险的财富管理功能是保险业自身寻求发展的必然选择,财富管理将开始迈入“保险时代”。

［关键词］保险；财富管理；高净值；财富传承

［作者简介］周延礼,原中国保监会副主席、国务院参事室金融中心研究员、清华大学五道口金融学院理事；高皓(通讯作者),清华大学五道口金融学院全球家族企业研究中心主任，E-mail:gaoh@pbcsf.tsinghua.edu.cn。

A Research on the Application of Insurance in Wealth Management

ZHOU Yan-li,GAO Hao

Abstract：The insurance plans can provide risk protection and economic compensation for family wealth and personal health.They can provide property protection,healthcare protection,and wealth management returns,as well as wealth inheritance plus tax planning for high net worth families.Insurance plans are an indispensable financial tool for wealth management.With the continuous growth of China′s private wealth and the improvement of wealth management awareness,the demand for insurance for wealth management will gradually increase,and insurance will play a more important role in wealth management development.The wealth management function of insurance is an inevitable choice for the development of the insurance industry,and wealth management will enter “the era of insurance”.

Key words：insurance;wealth management;high net worth;wealth succession