我国保险公司投资养老社区的困难及策略研究

发布时间：2018-05-29 00:21

本文选题：老龄化 + 保险公司　；参考：《河北大学》2014年硕士论文

【摘要】：进入二十一世纪之后，我国的人口老龄化的问题日益严峻，老年人口比例的不断增加，使人口结构发生变化，我国传统的依靠家庭的养老模式受到冲击，老龄化问题凸显带来了养老需求的不断增加，我国急需找到能够缓解老年人养老问题的方法。与此同时，随着保险业的快速发展，保费收入逐年提升，保险公司面临着较大的盈利压力，对保险公司来说需要寻找一个能够有效的提高保险投资收益率的投资渠道。为了解决双方的问题，保险公司投资养老社区渠道不失为一个双赢的办法。本文主要根据我国当前在养老和保险投资方面所存在的问题，提出了保险公司投资养老社区具有必要性和可行性，这不仅可以为更多的老年人解决养老的问题，还能够帮助保险公司找到新的投资渠道，，获取稳健的收益。为此本文分析了我国现在养老社区的发展现状并且以合众人寿和泰康人寿所建的两个典型的养老社区为例，分析了我国目前保险公司投资养老社区的现实情况。根据案例的分析，总结出我国保险公司投资养老社区还存在着非常多的问题，如法律法规不健全、政府扶持力度不足、我国保险公司投资建设养老社区缺乏经验、目前的养老社区价格过高等问题。为了弥补自身的不足，分析了国外成熟的养老社区，并总结出了值得我们借鉴的经验。最后结合我国当前保险公司投资养老社区的困难，提出了相关的对策建议。例如需要完善相关的法律法规的制度建设，加大政府对保险公司投资养老社区的扶持力度，以我国的具体国情为基础，使保险公司发展具有我国特色的养老社区。希望我国保险公司投资建设的养老社区不仅能够给保险公司带来收益，也能真正的帮助一部分老年人解决实际的养老问题。
[Abstract]:After entering the 21 century, the problem of aging population in our country is becoming more and more serious, the proportion of the elderly population is increasing, the population structure has been changed, and the traditional old-age support mode which depends on the family has been impacted. The aging problem highlights the increasing demand for the aged, and it is urgent for China to find a way to alleviate the problem of the aged. At the same time, with the rapid development of the insurance industry, the premium income is rising year by year, the insurance companies are faced with greater profit pressure, for the insurance companies need to find an effective investment channel to improve the return on insurance investment. In order to solve the problem, insurance companies investing in pension community channels is a win-win solution. Based on the existing problems in pension and insurance investment in our country, this paper points out that it is necessary and feasible for insurance companies to invest in pension communities, which can not only solve the problem of old-age care for more elderly people. Also can help insurance company to find new investment channel, obtain steady income. Therefore, this paper analyzes the present situation of the development of the pension community in our country, and takes the two typical pension communities built by the United Life and Taikang Life as examples, and analyzes the current situation of the insurance companies investing in the pension community in our country. According to the analysis of the cases, it is concluded that there are still many problems in the endowment community investment of insurance companies in our country, such as imperfect laws and regulations, insufficient government support, lack of experience in the investment and construction of pension communities by insurance companies in our country. The current pension community prices are too high and so on. In order to make up for their own shortcomings, analyzed the mature pension community abroad, and summed up the experience worthy of our reference. Finally, combined with the difficulties of our country's current insurance companies to invest in the pension community, put forward the relevant countermeasures and suggestions. For example, it is necessary to perfect the system construction of relevant laws and regulations, increase the government's support for the insurance companies to invest in the pension community, and make the insurance company develop the endowment community with Chinese characteristics on the basis of the specific national conditions of our country. It is hoped that the pension community invested by insurance companies in China will not only bring benefits to insurance companies, but also help some elderly people to solve the actual problem of providing for the aged.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3;D669.6

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