求翻译：为了使家庭财富得到稳健而快速的积累，是独生子女的必修课。本文通过对独生子女时代理财与保险发展现状的分析，探讨了保险与理财相互结合发展的必要性，并通过基本保险保障计划，探讨了独生子女理财的充分性。是什么意思？

In order to make rapid accumulation of wealth to be robust, and the family, is the only child of course. This article through the one-child age analysis of the development of banking and insurance, discussion on the necessity of the development of insurance and financial integration, and by the basic insurance plan, discusses only child financial adequacy.