针对老龄化的保险产品策略研究

发布时间：2018-11-23 20:04

【摘要】：近年来,由于医疗科技的进步,造成人口寿命的延长,同时由于出生率降低,人口结构呈现人口老化的现象。截至2012年底,我国60岁以上的老年人口已达1.94亿,占总人口的14.3%,预估2020年将达到2.43亿,到2025年则会突破3亿。目前我国主要的社会保险制度如养老保险、医疗保险等制度由于现行制度缺陷与资金运用上之许多缺失,造成许多地区的社保基金账户都有严重的资产负债不足,使得政府以及社保基金未来在财政上之负担越来越大。世界银行的研究报告甚至预测,2075年中国养老金缺口将达到95万亿元之巨,足以印证养老金缺口之大,养老形势之严峻。未来团体年金或退休保险商品的发展,将对我国整体国民的退休生活有着举足轻重的影响。因这,保险行业如果能抓住社会老龄化的发展契机,提供更多好的养老保险商品,鼓励居民提高养老保险之保障,可以有效解决未来政府以及社保基金之财政隐忧,并进一步补足人口老化所造成的退休金缺口问题。目前学界在我国养老制度上的研究成果非常多,但普遍操作实用性不强,因为我国的文化与经济现状有着自身特点,发达国家流行的机构养老、年金屋在我国并不具备很强的适用性,但其传统保险产品的运营与养老制度的完善、养老体系的搭建,都对我国养老制度、保险行业的发展有着非常好的借鉴意义。本研究将借助过去较早面临人口老化的国家如美国、日本及英国的情况,总结各国保险商品的开发及市场概况,同时,探讨国内保险公司在未来人口老化的环境下,分析国内保险行业现有的养老保险产品品种与发展可行方向提出策略与建议,以及探讨可能带来的风险与监管问题。
[Abstract]:In recent years, due to the progress of medical science and technology, the life span of population is prolonged, and the population structure is aging due to the decrease of birth rate. By the end of 2012, the elderly population over 60 years old in China has reached 194 million, accounting for 14.3% of the total population. It is estimated that the population will reach 243 million in 2020 and will exceed 300 million by 2025. At present, the main social insurance systems in our country, such as old-age insurance, medical insurance, and so on, because of the shortcomings of the current system and the many deficiencies in the use of funds, have resulted in a serious shortage of assets and liabilities in the social security fund accounts in many regions. Make the government and social security fund in the future in the financial burden is increasing. The World Bank's research report even predicts that the pension gap in China will reach 95 trillion yuan in 2075, which proves that the pension gap is huge and the pension situation is severe. In the future, the development of group annuity or retirement insurance will have an important impact on the retirement life of the whole people in China. Therefore, if the insurance industry can seize the development opportunity of aging society, provide more good old-age insurance commodities, and encourage residents to improve the protection of pension insurance, it can effectively solve the financial hidden worries of the future government and the social security fund. And further fill the problem of pension gap caused by the aging population. At present, there are a lot of research results on the pension system in our country, but the universal operation is not very practical, because the cultural and economic situation of our country has its own characteristics, the popular institutional pension system in developed countries, But the operation of the traditional insurance products and the improvement of the pension system and the establishment of the pension system all have very good reference significance for the development of the pension system and the insurance industry in our country. This study will sum up the development and market situation of insurance commodities in countries such as the United States, Japan and the United Kingdom, which have been facing an ageing population in the past. At the same time, it will explore the domestic insurance companies in the future population aging environment. This paper analyzes the variety and feasible direction of the development of endowment insurance products in domestic insurance industry, and puts forward some strategies and suggestions, and discusses the possible risks and supervision problems.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.6;D669.6

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