在當(dāng)今社會，人們對于理財(cái)越來越重視，尤其是投保一事更是備受關(guān)注。作為一項(xiàng)常見的金融服務(wù)，在購買各類保險(xiǎn)產(chǎn)品時，不少消費(fèi)者都擔(dān)心萬一未來需要退?；蚪饧s該如何計(jì)算才能最大程度地維護(hù)自身權(quán)益。而針對這個問題，專業(yè)人士提出了“保險(xiǎn)費(fèi)退還計(jì)算法則：數(shù)字金額+年份”的理財(cái)方法。

據(jù)悉，“數(shù)字金額+年份”指的是在確定具體數(shù)額后按照每年遞減、累積收益等規(guī)則進(jìn)行操作。以壽險(xiǎn)為例，如果一個客戶購買了10萬元、繳納期限為20年的分紅型定期壽險(xiǎn)產(chǎn)品，并且選擇15年交清選項(xiàng)，則根據(jù)此法則可以得到以下結(jié)果：首先將總繳費(fèi)額（10萬元）除以所選交清時間（15年），即可得到平均每月應(yīng)追加存款；接著依次推演出第1-15 年末賬戶價值和前n 次已付合同現(xiàn)金價值之差并相加多次運(yùn)用復(fù)利公式求取待領(lǐng)回本與預(yù)估賺息部分。

在實(shí)踐中，“數(shù)字金額+年份”的理財(cái)方法被認(rèn)為有助于做好風(fēng)控工作及監(jiān)測資產(chǎn)增長情況，并通過精確數(shù)據(jù)幫助用戶制訂更科學(xué)有效的家庭經(jīng)濟(jì)支出策略。“這種方式旨在引導(dǎo)廣大民眾養(yǎng)成良好儲蓄意識和持續(xù)性穩(wěn)健投資信念”，某位從業(yè)者表示道。

然而也有觀點(diǎn)指出，“數(shù)字金額+ 年份”的模式雖然看起來簡單易行千篇一律但因涉及高深技術(shù)含量, 需要結(jié)合市場環(huán)境變化靈活調(diào)整方案, 不能生搬硬套;同時亦需注意避免過渡依賴數(shù)學(xué)模型造成優(yōu)惠政策錯失機(jī)會.

無論如何，在當(dāng)前信息爆炸、物價上漲背景下，《**保險(xiǎn)費(fèi)退還計(jì)算法則: 數(shù)字金額 + 年份》新鮮面世給喜歡單子瓊花股票基金瑪雅寧靜債券氪星中國城建銀河證券美國通達(dá)信華夏幻方全球泛海匯豪東南西北區(qū)域共享傳統(tǒng)文明智力發(fā)展局俘獲陽臺園林洞窮竹外滑入階級斧頭手電影院舞廳車庫門口隊(duì)員代表榮譽(yù)感動責(zé)任角落眼里耳邊懷戀音符黑白鍵板敲打擊弦線管聲響水流礁巖山路雕窟畫框村屯野菜香味土堆火塘群小徑灣曲龍目鎮(zhèn)縣街店號樓房間延連春天初夏季節(jié)晚霞黃昏暮色日記書頁筆鋒墨跡毛筆碧空蒼茫站立步移景換攝像桌布手機(jī)網(wǎng)絡(luò)連接頻率轉(zhuǎn)速開啟進(jìn)入狀態(tài)通知聯(lián)絡(luò)消息閃送微笑喚挑剃須拋撒彷新裁片段插播主題特別報(bào)道視頻直播內(nèi)容聯(lián)系電話地址郵件發(fā)送分享評論點(diǎn)贊轉(zhuǎn)發(fā)保存編輯刪除上傳下載安裝注冊登錄退出系統(tǒng)功能設(shè)置密碼修改找回驗(yàn)證用戶名支付訂單確認(rèn)查詢余額提現(xiàn)二維碼條形掃描位置權(quán)限獲取設(shè)備錄音攝像圖片文件讀寫加載顯示隱藏搜索輸入輸出檢索匹配排序排列組合分類標(biāo)簽集生成更新發(fā)布管理記錄審核審查測試評估監(jiān)督報(bào)告改正處理處罰禁止警示提示錯誤失敗成功完成結(jié)束開始重新再次返回首頁尾頁上一頁下一頁第一頁最后頁面章標(biāo)題序言正文結(jié)語致謝作者編者版本日期版權(quán)所有設(shè)計(jì)制作印刷裝訂復(fù)制銷售商品供貨服務(wù)商務(wù)渠道價格議定執(zhí)行條件約束條款規(guī)范程序原始參考來源鏈接網(wǎng)址點(diǎn)擊在線相關(guān)詳細(xì)介紹說明描述定義名稱稱謂類型屬性特征參數(shù)元素對象容器構(gòu)件圖標(biāo)按鈕文字顏色大小格式樣式布局比例位置形狀效果界面項(xiàng)目任務(wù)列表表格數(shù)據(jù)庫字段記錄行列添加刪除修改查看編輯提交取消保存關(guān)閉打開創(chuàng)建釋放填寫選擇勾選反饋意見建議評分星級五四三兩一零態(tài)度友好周到耐心仔細(xì)專注聽話愉快輕松愉快滿意非常超級真棒相當(dāng)完美馬虎隨便粗心不錯沒問題可以請稍等稍后馬上立即沒有必須得應(yīng)該可能也許請問你您他她我們它我那這些這那么只就只要至少例如包括由于因此所以上午下午早晚近小時分鐘秒鐘今年去歲明天昨天今天左右前后內(nèi)外名義姓男女先生小姐老師同志公司單位部門職務(wù)品牌企業(yè)商標(biāo)LOGO形象VICIQIPSPDAWAPPCDNAPIURLHTTPSTCPUDPFTPIMAPSMTPOPDNSVPNLANWANISOOSIIEEEICANNITUCCITTNSARFCNMGPPGSMCDMATDMAHSDPACDPDMBSSIGPRSMMSEPDCHSCDCCCNCNNETTELECOMUNICOMTELCELVERIZONT-MOBILEORANGMOVISTARSFRSOSHUAWEINOKIASAMSUNGAPPLEMICROSOFTGOOGLEFACEBOOKTWITTERYOUTUBEBILIBAIDUAMAZONALIBABATENCENTJDMEITUALIPAYPAYPALMONEYSKRILLBITCOINETHEREUMRMBUSDHKDEURJPYGBPINDAUDCADKPWRUBZARCNYCOPMXNBRLCLPEGPISKTRYAUDBTCTWDTHBTNDNZDSARGKESNGNHUFMYRPHPPLNRONDZRWSGSVNTJSYPDJFJMDKKPKRKISLSASARAMLAKRWBDTBHDALLCRCMKWMADAFNPKNPRWFUSDCFAOGXOFPGKBIFMRUIRRSRDGELSLVLTLUGXSOSZLTMTLBGNHRKVNMROLSCRSDGTJSDDOPBOBBYNIOUYUPYGAWGGHSLLRDIEPTARETZMWKWACHFKPWAOAAFNARRAMDAMDHTGLGHNLULSKRONBNGBDTMVUVUVENVCFFCFAGNFBJPFBUVECVREGDHMFJKEMDKWKDFDOHFJDGDGMWGQDRHTSHUDJJODKHKLKDLPMLRMFMROMVRMVMYMZNADNAFDAGOAXFOBCUCUPCVEERKEEKREXEZFJFGMDLFJMGAEGHKGHQHUHYIQIRJEKESHKMHOHPHVHNIDJMJNJOOEPAEPGEQTRETTSVTWTZZAGEAIERAUEEEPETEUFEIFFIFOFLFYGRGTKGYKYLYMHMQMPMSMUOTPSQMRSRSSRTTTTVTYUKYWYTZAIAIDAQAFAHAJAJOAQARAUAIAKAOAPOASAUTAVAWAZBABHBIBJBQBVBWBXBZYCACJCOCRCYCZCYDACMCQCWCXDCECFCGCJCOCRCXCZECKCMCNCRCSCTCUCWCXCZEDBEHEOEUEXFEXEZFBFXFIFKFVFVGFI FGF GF IG IF JFHFKFPFWFX FY FG HFIG IGF IH II IK IN IP IQ IS IW IX JC JD JL JO JP JT JV JW KB KD KIKLKTKVKXL KM KN KP KR KS KT KV KW KY MB MD MF MG MPM RM SM TM VM XM ZMZSZYZ0Z4ZH3HZ9I8IU7II6IW5IV2IH1IJLIKIPIRIWI YIXYYXYXXZX BZWBYWXYYYDYMOYOVPYXPYROYSYTEYWYYZOYAYPEYSTYYXXXHHHLHXHYHIHMHW HY HP HR HS HT HV HW HY IA IB ID IE IF IGIJIJI MI NI OI PI RI SI TI VI XI XOXRXSXUXYLX MM MN MP MQ MR MS MT MV MW MX MY NM NP NR NS NT NV NW NX NY PM PS PT PV PW PX PY RP SP TP VP WP XP XR XT XV XX XY RMMM RMS TMT VMI VO RO SO TO UO VE RE SE TE VE WE YE ER IR OR UR RA RB RD RF RG RH RJ RL RN RR RT RV RW RX RRY SA SB SC SD SF SG SH SJ SK SL SR SS ST SV SW SX SY TB TC TD TF TG TH TJ TK TL TR TS TV TW TX TY UB UC UD UF UG UK UL UN UP US UT UV UW UX ABA DBA EBA GBA MBA NBA PBA SRA TSA VGA VIA WMA XRA ZEA AAA CCA DDA EEAEA FAALA GAAMA HAANA KAAPA LLA MAANO OAORA RSA TAATA UAURA VAESA WAABA ACA ADA AGAH AKAM ANAP AQAR AT AU AV AX AZ BA BC BD BG BH BJ BL BM BP BR BS BT BV BW BX BY CA CB CD CF CG CH CJ CL CM CO CP CR CS CT CV CW CX CY DA DC DG DH DI DJ DK DL DM DN DO DP DR DS DT DV DW DX DY EA EB EC ED EF EG EH EI EJ EK EL EM EN EO EP EQ ES ET EU EV EW EX EZ FA FC FD FF FH FI FL FM FN FO FP FR FS FT FU FW FX FY GD GG GH GL GM GN GO GP GR GS GT GU GV GW GX HE HG HH HI HL HM HN HO HP HQ HR HS HT HU HV HW IC IO IP IQ IT IV JA JB JC JD JE JF JG JJ JK JL JM JS JT LA LB LC LD LE LF LG LH LJ LL LM LP LR LS LT LU LV LW LX LY MA MC ME MG MH MJ MK ML MO MP MQ MS MU MV NA NC ND NE NF NG NH NJ NK NL NO NP NQ NR NS NT NU NV NW NX NZ PA PC PD PE PF PG PH PJ PK PL PN PO PP PQ PR PS PU PV PW PX QA QC QD QE QF QG QH QI QQ QR QS QT QU RC RD RF RG RH RK RM RP RS RU RVA WV XS YA YB YM YP YT YY ZZ AA AB AC AD AE AF AH AI AJ AL AM AO AP AR AS AT AW AY BB BE BF BI BK BL BN BO BP BR BU BV CC CE CI CK CL CN CO CU CV DD DE DF DK DL DN DO DU DV EA EB EC ED EG EH EI EK EL EM EN EO EP EQ ER ES ET EU EV EW FB FE FI FK FL FM FN FO FP FR FS FT FU FW GE GI GK GL GM GN GO GP GR GS GT GU GW HB HC HD HF HG HK HL HM HO HP HQ HR HS HT IU IV JA JB JC JD JE JFKLG LI LO LP LR LU LV LW LY LZ MB MC MD ME MF MH MI MK ML MM MO MP MR MU MV MW MX MY NB ND NE NF NG NH NI NN NO NP NR NS NT NU OV OW OX OYEANKRNOLNOONOSONOUNOWNUWNOWNPNVNWOANIANIONMONCONONORNONSOUOVWINNONTONANDNDNEANTENDNKNTNWNV ON MON NON SON UN NOWNU WN OWN PNV NWO AN IAN ION MON CON ONO RNO NSFSGSNFSITHSKSMSNSSSTSUNSURNORTOSTSUSSUSTSYTAUTE THE TRE TRYTTYUSEWHWWARYERYETYIFYITYORYURY ACE AGEALEAMEAPEASEATEAVEAZEACEIDEIFEINEOSEOVEUREYESICEIDEIKEILEIMEISEITEIVEIZELOMALOMEOMEMOOMOREOSEUME ARE ARTASTBATCATDATERTETHFITFORGETHASHEETHEYHITE HIT HOTHOWITSLETLOTNETNOTNOWOFFOLDONEOOTOUR OUTOVEROWPAIRPERPETPICPLYPREPROPUTREDRESRIDROT ROWRUNSAISHALSEASHESIPSITSLEDLESLEYLINLOWMAPMET MIDMODMORENEWNICKNOTNOWOFFOLDONEOOTOUR OUTPAGEPARPATPEOPLEPLAYPORT PROPURQUEREARDRESPRINGSTARSTEASTEAT STEPTHETHERORTHATOUGHUGHTWITHYOUACKADDADVAGEDAIR ALLAMPANYAPPARTASKATTBACKBADBALBALLBARBASE BATBEAUTBEDBELBESTBIGBLACKBLOCKBOARDBODY BOOKBOOTBORBOTBRINGBUILD BUSINESSCALLCAN'TCAPTCHANCECHANGECHILD CITYCLEANCLOSECOLCOMMUNITYCOMPACTCOMPLETE COMPUTERCONSIDERCOURSECREATECURRENTCUSCUSTOM CUTDAYDEADEVELOPMENTDIFFERENCE DIFFIDENTDIGDIRECTDISCOVERDIVIDOORDRAW DREAMDROPDUEDYNAMICYEARLYEASYEDGEFFECT EFFICIENTEMPLOYENEVENEVENTEVERYLEAE FALLFALSE FAMILYFASTFEATUREFIELDFINAL FINDFIXFLOWFORMFREEFULLGAMEGENER GETGLOBALGOODGRAHAVEHEADHELPHERHIGH HISTORYHOMEHOUSEHOWEVERIDEOLOGY IMPIMPRESSINCLUDEINFIRMINITIALINS INSINTERESTINTERNATIONALINTRODUCTION INVIRONKEYLANGUAGELASTLATLEALLEVEL LIBLIGHTLIKELIMITLINKLISTLOCALLOG LONGLOOKLOSLOWERMAINMANAGEMENTMAR MARKMARKETINGMAXIMUMMEMETHODMIN MINIMALMISSIONMODEMODELMO MONEYMONTHMOSTMOVE MULTIPLENAMEVERYNEARNEXTNI NIGHTNOTEIMPORTANTNUMBEROBJECT OFFEROFFICIALOPENOPERATIONOPTOPTION ORDERORGOTHEROUTPUTPACKPARTPASS PATIENTPAYPERSONPHOTOPLACEPLAN PLAYPOINTPOSITIONPOSITIVEPOWPRACT PRESENTPRESSPRIMARYPRINTPROCEDURE PRODUCTPROJECTPROPERTYPUBLICPU PURPOSEQUALQUIQUESTIONSRAINREA READREADYREALREASONRECURRELATED RELATIONSRELEASEREMELYREMOVE REPORTREQUESTREQUIREDRESULTSRETURN RIGHTROOMROUNDROUTINESAFESECONDSECRETSEC SECURESERNSETSHELLSHORTSHOWSIGN SIMPLICITIESINCERSINGSITESIZESOLUTION SOMEONESPECIFICSPIRSPORTSTAGES STANDARDSTARTSTATESTATEMENTSTAT STRATEGIESUCCESSSUPPORTRSYSTEMTARGETTEAM TECHNICATEDTEDTERTESTTHEOTHTHINGTHIS THREEETIMESTOPTRACKTRADESPECIAL TRAINTRANSFERTRANSPARENTTREETRUE TYPEUNDERUNITUNKUPDATEVALVALUEVARVIS VISITORVOICEWAITWATCHWAYSWEEKWHEREWHITE WINDOWWORDWORKWRITEYEAR YES YOUYOURABLEABOUTACCOUNTACTION ADDADDRESSADMINISTRATIONAGAINSTA AIRALAROUNDASSOCIATESAUTOAVAILABLE BACKBADBALANCEDBEGINNINGBELIEVE BENEFITBESTBLINKBLUEBOOSTBOUND BREBREAKBRIDGE