【摘要】：正通脹怪圈隱現(xiàn)盡管儲(chǔ)蓄型保險(xiǎn)越來(lái)越專攻于養(yǎng)老這一領(lǐng)域,但現(xiàn)實(shí)卻并不美好,保險(xiǎn)的養(yǎng)老功能還是存在疑問(wèn),這在物價(jià)上漲的過(guò)程中尤其突出。保險(xiǎn)產(chǎn)品的收益能力與人們對(duì)物價(jià)上漲的感覺(jué)完全背離,差距過(guò)于明顯。劉女士在1990年購(gòu)買了一款傳統(tǒng)型的壽險(xiǎn)產(chǎn)品,每年交費(fèi)約3000元,共交20年。當(dāng)她60歲之后,每月能拿到約700元的養(yǎng)老返還金直到終身。3000元的保費(fèi)在當(dāng)時(shí)不算小數(shù)目,每月700元的保險(xiǎn)收入也是能夠讓人接受的,但是現(xiàn)在的700元不算什么。對(duì)此,劉女士很
[Abstract]:Although savings insurance is more and more focused on the field of old-age insurance, the reality is not good. The pension function of insurance is still in doubt, which is especially prominent in the process of rising prices. The earning ability of insurance products deviates completely from people's feeling of price rise, and the gap is too obvious. Ms. Liu bought a traditional life insurance product in 1990, paying about 3000 yuan a year for 20 years. When she was 60 years old, she was able to receive about 700 yuan a month until her lifetime. The 3000 yuan premium was not a small sum at that time, and the monthly insurance income of 700 yuan was acceptable, but now it is nothing. In this regard, Ms. Liu is very
【分類號(hào)】：F842.67;F822.5

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