健康老龄化视角下“医养保”产业融合养老模式分析

发布时间：2018-10-04 19:34

【摘要】：随着人口老龄化程度的不断加深,我国老年人的养老问题日益凸显。实现世界卫生组织提出的健康老龄化的目标,需要继续改进养老模式,促进老年人健康的可持续发展。在我国的三种养老金来源中,基本社会养老保险仅为参保人员提供基本的养老保障,且存在着巨大的缺口;企业年金只有少部分企业为其员工提供,商业养老保险作为基本养老保险的补充,发挥着重要的市场作用。因为“医养保”产业融合范围较大,本文主要从商业保险参与医养结合入手进行讨论。首先通过阐述医养结合养老服务现状及分析目前存在的问题,继而在健康老龄化视角下引出商业养老保险参与医养结合的必要性和可行性。然后,通过列举当今保险参与医养结合的主要和案例,对几种商业寿险公司目前规模较大的几种以“医养保”融合为背景的商业项目进行简介与分析,总结出保险参与医养结合的运营模式。最后,对“医养保”产业融合养老模式进行优势、劣势、机会、威胁方面的SWOT分析并提出相应的战略选择。本文的研究结果表明,商业保险参与医养结合,对于医养保产业链整合带来闭环式的良好发展。无论是投资建设医院或是建设养老社区,医养保产业融合都具有资金大、周期长、回报慢的特点。商业寿险公司由于保险产品的特殊性,能在较长一段时间内持续有资金补给,因此有着大量空余的资金,需要寻求合适的长期投资渠道,所以商业保险参与医养结合养老服务建设可以达到双赢的效果。随着我国人口老龄化的不断加深,“医养保”产业融合养老模式将对促进健康老龄化发挥重要作用。
[Abstract]:With the deepening of the aging of the population, the aging problem of the elderly in China is becoming more and more prominent. To realize the goal of healthy aging put forward by the World Health Organization, we should continue to improve the old age model and promote the healthy and sustainable development of the elderly. In our country's three kinds of pension sources, the basic social endowment insurance only provides the basic old-age security for the insured personnel, and there is a huge gap. As the supplement of basic endowment insurance, commercial endowment insurance plays an important role in the market. Because of the wide range of industry convergence, this paper mainly discusses the commercial insurance involved in the combination of medical and nursing. First of all, this paper expounds the current situation of medical and nursing combined old-age service and analyzes the existing problems, and then leads to the necessity and feasibility of commercial old-age insurance participating in the combination of medical and nursing in the perspective of healthy aging. Then, through enumerating the main and cases of insurance participating in the combination of medical and nursing, the paper briefly introduces and analyzes several kinds of commercial projects with the background of the integration of "medical and maintenance" in the large scale of several commercial life insurance companies at present. The operation mode of insurance participating in the combination of medical and nursing is summarized. Finally, the paper analyzes the advantages, disadvantages, opportunities and threats of the "medical care and insurance" industry integration model by SWOT and puts forward the corresponding strategic choice. The results of this paper show that the participation of commercial insurance in the combination of health care and maintenance brings a good development of closed loop for the integration of the industry chain of medical and maintenance. Whether it is investing in hospital or building community for the aged, the integration of medical and nursing industry has the characteristics of large capital, long period and slow return. Because of the particularity of the insurance products, the commercial life insurance companies can continuously supply funds for a long period of time, so they have a lot of spare funds, so they need to seek suitable long-term investment channels. So commercial insurance participation in health care combined with old-age service construction can achieve a win-win effect. With the aging of the population in our country, the pattern of "medical care and insurance" industry integration will play an important role in promoting healthy aging.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D669.6

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