寿险公司投资专业养老社区研究

发布时间：2019-04-03 06:43

【摘要】：当前中国人口老龄化形势十分严峻,如何妥善解决养老问题是摆在国家和各级政府面前的一道难题。一方面,由于受到“421”家庭结构的影响,家庭规模逐渐趋于小型化,使得中国人传统的家庭养老方式受到冲击,老年人的养老问题成为家庭的一个沉重负担,老年人群对机构养老的服务需求迅速增大。另一方面,我国养老机构及服务的供给相对缺乏。据民政部门相关数据统计,截止2012年底全国各类社会养老机构床位总数为390万张,每千名老人养老床位数仅为20.6张,即总床位数仅占老年人总数的2%左右,较之国际社会通行的5%至7%的水平相差甚远。养老机构供需失衡的现状,使得老年人“老有所养”的养老需求无法得到满足,需要探索一条解决养老问题的新型道路。寿险公司投资专业养老社区作为一种新型的养老模式,近年来在国内外理论与实务界都得到了较大的关注。我国寿险资金投资专业养老社区尚处于起步阶段,目前各家寿险公司都在积极摸索和尝试既符合中国国情、又适合本公司情况的投资模式。由于直接研究寿险资金投资专业养老社区的相关文献极为少见,而专业养老社区又属于典型的养老不动产,所以在投资方式和资金运用等方面可以借鉴国外寿险资金投资养老不动产的相关经验,以此来研究我国寿险公司投资专业养老社区的相应模式。本文从我国人口老龄化的国情以及由此产生的养老供需矛盾出发,分析了寿险公司投资养老社区的可行性。结合我国养老社区的发展现状,用SWOT分析的方法,从寿险公司投资专业养老社区的优势、劣势、机遇、挑战四个方面进行了深入的分析。通过借鉴国外寿险资金投资养老不动产的相关经验,并针对我国养老社区发展中存在的问题,提出了我国寿险公司投资运营专业养老社区的新型商业模式,为寿险公司积极参与投资、建设和运营养老社区提供建议和参考,并以此来推动我国新型养老模式发展,完善社会养老体系建设。全文共分为六章。第一章为绪论部分,首先介绍了论文的选题背景——我国日趋严峻的养老问题和寿险公司投资专业养老社区的可行性,并阐述了研究的意义。其次对现有国内外相关文献进行了归纳总结。最后介绍了本文的基本思路与结构安排,文章中可能的创新和不足之处。第二章介绍了我国养老社区的发展现状,包括基本概念、主要形式和我国老社区发展中存在的问题。第三章利用SWOT分析方法,从优势、劣势、机遇、挑战四个方面对寿险公司投资专业养老社区进行了深入的分析。第四章对国内外建设运营专业养老社区的相关案例进行了分析,并借鉴国外寿险资金投资养老不动产的相关经验,在我国寿险资金投资专业养老社区的资金运用、投资比例、风险把控、投资方式等方面得到了启示。第五章从客户定位、服务水平、运营模式、决策机制、队伍建设、政策支持等方面对我国寿险公司投资运营专业养老社区提出了相关建议。第六章是全文的结语。对全文的基本观点进行了总结概括。目前寿险资金投资养老社区的方式选择、投资后的经营管理与风险监控、投资退出等问题,不管从理论方面,还是从实践方面而言,均是一个比较新的课题。单独研究养老社区建设、保险公司资金投资不动产的文献相对较多,而专门研究寿险公司投资专业养老社区的文献极为少见,本文从国内外寿险资金投资不动产的经验借鉴着手,对此进行了探索性的研究。此外,本文借助SWOT分析、具体案例分析等手段,对寿险公司投资专业养老社区的优劣势、可行性及发展前景进行了深入分析,并对此提出了有针对性的政策建议,试图探索出一种适合我国国情的新型养老模式。
[Abstract]:The situation of aging population in China is very serious, and how to properly solve the problem of the old-age is a difficult problem before the state and all levels of government. On the one hand, due to the influence of the "421" family structure, the size of the family gradually tends to be small, so that the Chinese traditional family pension scheme is impacted, the old-age pension problem of the old people becomes a heavy burden of the family, and the service demand of the elderly group for the elderly is rapidly increased. On the other hand, the supply of old-age institutions and services in our country is relatively short. According to relevant statistics of the Ministry of Civil Affairs, the total number of beds for all kinds of social-care institutions nationwide is 3.9 million by the end of 2012, and only 20.6 per 1,000 old-age support beds, that is, the total number of beds is only about 2% of the total number of the elderly. It is far from the level of 5 to 7 per cent of the international community. The current situation of the imbalance of supply and demand of the old-age institution makes the old-age "to have a good old one's" 's old-age demand unable to be met, and needs to explore a new road to solve the old-age problem. As a new type of pension model, the life insurance company invests in the old-age community as a new type of old-age. In recent years, both the domestic and foreign theories and the practical world have a great effect. China's life insurance fund investment professional pension community is still in the initial stage. At present, all the life insurance companies are actively exploring and trying to meet the national conditions and the investment model of the company's situation. It is very rare for the related literature to directly study the pension community of the life insurance funds, and the professional pension community is a typical old-age real estate. Therefore, it is possible to use the foreign life insurance funds to invest in the related classics of the old-age real estate in terms of the way of investment and the application of the funds. To study the corresponding model of the pension community for the investment of life insurance company in China. Based on the situation of the population aging in China and the contradiction between the supply and demand of the aged, this paper analyzes the investment of the life insurance company in the old-age community. Based on the present situation of the development of the old-age community in our country, the author makes an in-depth study on the advantages, disadvantages, opportunities and challenges of the pension community from the life insurance company by means of the method of SWOT analysis. By using the experience of foreign life insurance funds to invest in the real estate of the aged, and aiming at the problems existing in the development of the old-age community in our country, the new business model of the pension community for the investment and operation of the life insurance company of our country is put forward, which is an active part of the life insurance company. To provide advice and reference to the investment, construction and operation of the old-age community, and to promote the development of the new type of old-age model in China, and to improve the social pension. Construction of the system. This article is divided into six chapters. The first chapter is the introduction section, first introduces the background of the thesis and the feasibility of our country's increasingly serious pension problem and the investment professional pension community of the life insurance company, and also The significance of the study is described in this paper. In the end, the paper introduces the basic thought and structure arrangement of this paper, and it is possible in this paper The second chapter introduces the development of the old-age community in our country, including the basic concept, the main form and the old society of our country. The third chapter uses the method of SWOT to analyze the investment of life insurance company from four aspects: advantages, disadvantages, opportunities and challenges The fourth chapter analyzes the relevant cases of the old-age community in the construction and operation of home and abroad, and draws on the relevant experience of the foreign life insurance funds to invest in the old-age real estate, and the investment of the pension community in the investment of life insurance funds in our country. Application of gold, proportion of investment, risk control The fifth chapter introduces the investment of life insurance companies from the aspects of customer location, service level, operation mode, decision-making mechanism, team construction, policy support and so on. The Service of the Old-age Community of the Operation Relevant recommendations. Chapter VI is the full text. In this paper, the basic views of life insurance funds are summarized and summarized. The way of the current life insurance fund investment for the old-age community, the operation management and the risk monitoring after the investment, the investment withdrawal and so on, whether from the theory, but also From the point of practice, it is a relatively new subject. To study the construction of the old-age community alone, the literature of the insurance company's capital investment real estate is relatively large, and the literature of the special research life insurance company to invest in the old-age community is very rare, this article from the domestic and foreign life insurance funds to invest in real estate In addition, by means of SWOT analysis and specific case analysis, this paper makes a deep study on the superiority and disadvantage, feasibility and development prospect of the pension community of life insurance company. In this paper, we put forward some policy suggestions, and try to put forward some policy suggestions.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3;D669.6

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