我国保险公司发展养老社区研究

发布时间：2018-05-12 05:15

本文选题：保险公司 + 养老社区　；参考：《河北经贸大学》2014年硕士论文

【摘要】：进入21世纪，人口老龄化正逐步成为我国面临的一个重要问题，国民对养老的需求逐渐增大；与此同时，传统的家庭养老逐渐弱化，而目前养老机构的数量、质量以及服务等水平等比较低，无法满足人们逐年升高的养老需要。这就造成了我国目前严重失衡的养老供需局面。因此，能够满足各个人群不同养老需要的养老社区在最近几年成为众人关注的焦点，同时也成为相关企业重点投资项目，特别是拥有大量闲置保险金的保险公司。保险公司投资养老社区有很多积极意义。首先，这对养老社区目前面临的资金不足和融资困难等问题具有重要作用。保险公司会带来先进的服务以及专业的人员，大大改善当前养老社区质量和服务体系不健全的状况；其次，这对于保险金投资渠道的拓宽也有重要作用。在增加资金的中长期投资、提高投资的稳健性和收益率的同时，对于拓宽保险公司的相关产业链也有很大的帮助。本文研究的论题是我国保险公司发展养老社区研究，分为以下5个部分：第一章是总体概述。主要内容包括选题意义、相关研究背景以及本文的写作特色、创新点。第二章是保险公司发展养老社区概述。主要介绍了养老社区的基本概念、保险公司的投资背景、意义以及相关优势。第三章是介绍国内保险公司投资养老社区案例。根据目前保险公司投资模式的不同详细介绍了泰康人寿、中国平安以及中国人寿的投资模式与商业模式，并对三种模式做出评价分析。其次还介绍了其他保险公司运营养老社区的现状。第四章是介绍养老社区运营的国际经验。包括两个方面：第一，，美国保险公司介入养老社区的模式分析。第二，美国养老社区运营模式对我国的借鉴意义，从总体运作模式、初期运作模式、成熟运作的演变分别进行了概况总结。第五章首先分析了保险公司投资养老社区面临的主要问题，其次针对具体问题做出了具体的策略分析。
[Abstract]:In the 21st century, the aging of the population is becoming an important problem facing our country, and the demand for the aged is gradually increasing. At the same time, the traditional family pension is gradually weakened, while the number of pension institutions is now increasing. The quality and service level are relatively low, unable to meet people's increasing pension needs year by year. This caused a serious imbalance between supply and demand for the aged in our country at present. Therefore, the pension community which can meet the different needs of various people has become the focus of attention in recent years, and has also become the key investment projects of related enterprises, especially insurance companies with a large number of idle insurance funds. Insurance companies to invest in the pension community has a lot of positive significance. First of all, it plays an important role in the current problems of pension community, such as insufficient funds and financing difficulties. Insurance companies will bring advanced services and professional personnel, greatly improve the quality of the current pension community and service system is not perfect; secondly, this is also important for the widening of investment channels of insurance funds. While increasing the medium and long term investment of capital and improving the stability and yield of investment, it is also helpful to widen the industry chain of insurance companies. The thesis of this paper is the research on the development of endowment community of insurance companies in China, which is divided into the following five parts: The first chapter is an overview. The main contents include the significance of the topic, relevant research background, writing characteristics, innovation. The second chapter is the insurance company development endowment community outline. This paper mainly introduces the basic concept of the pension community, the investment background, significance and relative advantages of the insurance company. The third chapter is to introduce the domestic insurance company investment pension community case. According to the different investment modes of insurance companies at present, this paper introduces the investment and business models of Taikang Life, China Ping an and China Life in detail, and makes an evaluation and analysis of the three models. Secondly, it also introduces the current situation of other insurance companies operating pension community. The fourth chapter is to introduce the international experience of pension community operation. Including two aspects: first, the American insurance companies involved in the pension community model analysis. Second, the American old-age community operation model for our country's reference significance, from the overall operation model, the initial operation mode, mature operation evolution, respectively carried on the general survey summary. The fifth chapter first analyzes the main problems faced by insurance companies investing in pension communities, and then makes a specific strategy analysis for the specific problems.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D669.6;F842.3

【引证文献】