随着经济的快速发展,我国家庭结构也发生着重大的变化,表现为家庭规模的小型化。因此,传统的子女养老保险功能正在逐步被削弱,小型家庭面临着严重的养老风险。而各种各样的保险产品,诸如养老保险保障、教育保险保障、投资理财等为应对风险提供了保障,同时也要求每个小家庭做好充分的理财,应对各种风险准备。 With the rapid economic development, great changes have taken place in the family structure in our country, showing the miniaturization of family size. Therefore, the traditional children’s pension insurance function is gradually being weakened, and small families are facing serious pension risks. A wide range of insurance products, such as old-age insurance, education and insurance, and investment and wealth management, provide a guarantee for coping with risks. They also require that every small family should have adequate financial management to deal with various risks.