TK寿险公司养老社区运营研究
发布时间：2018-11-27 08:49
【摘要】：我国正在经历着世界历史上规模最大、速度最快的老龄化过程。据有关数据表明,至2014年底,我国60岁以上老年人数急剧增加,所占据比例已超过总人数的15%,具体人数超过了2个亿,这也让中国成为了世界上第一个老年人口突破2亿的国家。随着人口老龄化进程的不断深入,国内80岁以上人群总数超过了2400万,居老龄人口总数的11%以上。紧迫的养老问题和巨大的养老市场日益受到社会的关注。近些年来,由于商业性养老社区的不断增多,我国养老问题得到了一定程度的缓解。本文运用文献研究法、调查研究法、比较研究法等理论联系实际的方法,对TK寿险公司养老社区的发展进行了比较深入的研究与探索。希望能为寿险公司运营养老社区的发展提供一些参考和建议,进而为寿险公司的发展提供新思路;同时更希望养老社区的发展能促进目前我国社会保障体系的发展,真正解决一部分老人的养老问题。本文共分为七个部分。第一部分为绪论,介绍了论文的选题背景及研究意义,国内外研究概述,并说明论文主要的内容和框架;第二部分为相关理论概述,阐述了养老模式、养老社区等相关概念,并对目前养老的主要形式进行了概述;第三部分为TK寿险公司养老社区概述,阐述了其规划理念和选址、市场定位、产品设计、商业模式创新等方面的情况,总结了TK寿险公司养老社区的优势;第四部分为TK寿险公司养老社区发展过程中存在的问题剖析,指出了其运营中存在的问题,并分析了问题产生的原因;第五部分为国内外寿险公司养老社区项目的经验借鉴,通过分析国内外寿险公司养老社区项目,得到了许多有益启示;第六部分为完善TK寿险公司养老社区发展的策略建议,针对其存在的问题,结合相关经验启示,提出了完善建议;第七部分为结论,对全文进行总结。研究表明,TK寿险公司养老社区发展过程中存在的问题,分为外部问题和内部问题。一是外部问题,主要包括:(1)4.2.1政府未出台支持养老社区细则方案;(2)“家庭养老”观念根深蒂固;(3)我国养老体系尚不健全;(4)市场竞争压力大。二是内部问题,主要包括:(1)多样化人才储备不足;(2)养老社区投资周期长资金压力大;(3)投资养老社区经验不足;(4)养老社区入住条件高。为此,必须多与政府沟通,争取政策支持;加强队伍建设,提高服务质量;注意扬长补短,利用自身优势,整合多方面资源,优化产业链;加大宣传力度,创新营销方式;拓宽融资渠道,缓解资金链压力。总之,由寿险公司投资建设养老社区是对两个行业双赢的选择。对客户来说,不仅能够获高品质的生活,还能够给家庭减轻养老负担;对保险公司而言,如果适当地投资养老社区,那么资产保险价值能够更早地锁定,从而一定程度地减小了公司的风险。寿险公司投资养老社区,能够帮助养老社区更好地发展,使得养老产业更加稳定地发展,同时保证老年人的生活质量更高,有利于和谐社会建设。
[Abstract]:China is experiencing the largest and fastest aging process in the world's history. According to the figures, by the end of 2014, the number of older persons over the age of 60 in China has increased dramatically, and the proportion of older persons in China has exceeded 15% of the total population, with a specific number of more than 200 million, which has also made China the first country in the world to break through 200 million. With the development of the population aging process, the total population of over 80 years of age is more than 24 million, which is more than 11% of the total population of the aged. The urgent problem of the old-age and the huge pension market are becoming more and more concerned by the society. In recent years, due to the increase of the commercial pension community, the pension problem of our country has been relieved to a certain extent. In this paper, the author makes an in-depth study and exploration of the development of the old-age community of the TK life insurance company by using the methods of literature research, investigation and comparison. It is hoped that some reference and suggestions can be provided for the development of the life insurance company to operate the old-age community, so as to provide a new thought for the development of the life insurance company. At the same time, the development of the old-age community can promote the development of the social security system in our country and solve some of the old-age pension problems. This paper is divided into seven parts. The first part is the introduction, introduces the background and the research significance of the thesis, the research and summary at home and abroad, and explains the main contents and framework of the thesis. The second part provides an overview of the related theories, and expounds the related concepts such as the old-age model and the old-age community. The third part is the overview of the old-age community of the TK life insurance company, and expounds its planning idea and location, market location, product design, business model innovation and so on, and summarizes the advantages of the old-age community of the TK life insurance company; The fourth part is the analysis of the problems existing in the development of the old-age community of the TK life insurance company, points out the problems in the operation, and analyzes the causes of the problems. The fifth part is the experience of the domestic and foreign life insurance company's pension community project. Through the analysis of the domestic and foreign life insurance company's pension community project, many beneficial enlightenment has been obtained, and the sixth part is to improve the strategy of the development of the old-age community of the TK life insurance company, and put forward the perfect suggestion for the problems existing and the relevant experience, and the seventh part is the conclusion, The full text is summarized. The research shows that the problems existing in the development of the old-age community of the TK life insurance company are divided into external and internal problems. One is the external problem, which mainly includes: (1) 4. 2.1 The government has not introduced the scheme to support the old-age community; (2) the concept of family pension is deep-rooted; (3) the pension system of our country is not sound; and (4) the pressure of market competition is big. II. Internal problems, which mainly include: (1) insufficient reserve of diversified talents; (2) long-term investment period of the old-age community; (3) insufficient experience in the investment of the old-age community; and (4) the high-in condition of the old-age community. To this end, it is necessary to communicate with the government and strive for policy support; strengthen the construction of the team and improve the quality of service; pay attention to the long and short, make use of its advantages, integrate many resources, optimize the industrial chain, increase the publicity, innovate the marketing mode, broaden the financing channel and relieve the pressure of the fund chain. In short, the investment and construction of the old-age community by the life insurance company is a win-win choice for the two industries. For customers, not only can the high-quality life be achieved, but also can reduce the burden of the old-age for the family; for the insurance company, if the old-age community is properly invested, the value of the asset insurance can be locked earlier, so that the risk of the company is reduced to a certain extent. The life insurance company invests in the old-age community, can help the old-age community to better develop, make the old-age industry more stable development, at the same time ensure that the life quality of the old people is higher, and is beneficial to the construction of the harmonious society.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.3
本文编号：2360119
[Abstract]:China is experiencing the largest and fastest aging process in the world's history. According to the figures, by the end of 2014, the number of older persons over the age of 60 in China has increased dramatically, and the proportion of older persons in China has exceeded 15% of the total population, with a specific number of more than 200 million, which has also made China the first country in the world to break through 200 million. With the development of the population aging process, the total population of over 80 years of age is more than 24 million, which is more than 11% of the total population of the aged. The urgent problem of the old-age and the huge pension market are becoming more and more concerned by the society. In recent years, due to the increase of the commercial pension community, the pension problem of our country has been relieved to a certain extent. In this paper, the author makes an in-depth study and exploration of the development of the old-age community of the TK life insurance company by using the methods of literature research, investigation and comparison. It is hoped that some reference and suggestions can be provided for the development of the life insurance company to operate the old-age community, so as to provide a new thought for the development of the life insurance company. At the same time, the development of the old-age community can promote the development of the social security system in our country and solve some of the old-age pension problems. This paper is divided into seven parts. The first part is the introduction, introduces the background and the research significance of the thesis, the research and summary at home and abroad, and explains the main contents and framework of the thesis. The second part provides an overview of the related theories, and expounds the related concepts such as the old-age model and the old-age community. The third part is the overview of the old-age community of the TK life insurance company, and expounds its planning idea and location, market location, product design, business model innovation and so on, and summarizes the advantages of the old-age community of the TK life insurance company; The fourth part is the analysis of the problems existing in the development of the old-age community of the TK life insurance company, points out the problems in the operation, and analyzes the causes of the problems. The fifth part is the experience of the domestic and foreign life insurance company's pension community project. Through the analysis of the domestic and foreign life insurance company's pension community project, many beneficial enlightenment has been obtained, and the sixth part is to improve the strategy of the development of the old-age community of the TK life insurance company, and put forward the perfect suggestion for the problems existing and the relevant experience, and the seventh part is the conclusion, The full text is summarized. The research shows that the problems existing in the development of the old-age community of the TK life insurance company are divided into external and internal problems. One is the external problem, which mainly includes: (1) 4. 2.1 The government has not introduced the scheme to support the old-age community; (2) the concept of family pension is deep-rooted; (3) the pension system of our country is not sound; and (4) the pressure of market competition is big. II. Internal problems, which mainly include: (1) insufficient reserve of diversified talents; (2) long-term investment period of the old-age community; (3) insufficient experience in the investment of the old-age community; and (4) the high-in condition of the old-age community. To this end, it is necessary to communicate with the government and strive for policy support; strengthen the construction of the team and improve the quality of service; pay attention to the long and short, make use of its advantages, integrate many resources, optimize the industrial chain, increase the publicity, innovate the marketing mode, broaden the financing channel and relieve the pressure of the fund chain. In short, the investment and construction of the old-age community by the life insurance company is a win-win choice for the two industries. For customers, not only can the high-quality life be achieved, but also can reduce the burden of the old-age for the family; for the insurance company, if the old-age community is properly invested, the value of the asset insurance can be locked earlier, so that the risk of the company is reduced to a certain extent. The life insurance company invests in the old-age community, can help the old-age community to better develop, make the old-age industry more stable development, at the same time ensure that the life quality of the old people is higher, and is beneficial to the construction of the harmonious society.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.3
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