發(fā)布時(shí)間：2018-05-29 00:21

  本文選題：老齡化 + 保險(xiǎn)公司��； 參考：《河北大學(xué)》2014年碩士論文

【摘要】：進(jìn)入二十一世紀(jì)之后，我國(guó)的人口老齡化的問(wèn)題日益嚴(yán)峻，老年人口比例的不斷增加，使人口結(jié)構(gòu)發(fā)生變化，我國(guó)傳統(tǒng)的依靠家庭的養(yǎng)老模式受到?jīng)_擊，老齡化問(wèn)題凸顯帶來(lái)了養(yǎng)老需求的不斷增加，我國(guó)急需找到能夠緩解老年人養(yǎng)老問(wèn)題的方法。與此同時(shí)，隨著保險(xiǎn)業(yè)的快速發(fā)展，保費(fèi)收入逐年提升，保險(xiǎn)公司面臨著較大的盈利壓力，對(duì)保險(xiǎn)公司來(lái)說(shuō)需要尋找一個(gè)能夠有效的提高保險(xiǎn)投資收益率的投資渠道。為了解決雙方的問(wèn)題，保險(xiǎn)公司投資養(yǎng)老社區(qū)渠道不失為一個(gè)雙贏的辦法。 本文主要根據(jù)我國(guó)當(dāng)前在養(yǎng)老和保險(xiǎn)投資方面所存在的問(wèn)題，提出了保險(xiǎn)公司投資養(yǎng)老社區(qū)具有必要性和可行性，這不僅可以為更多的老年人解決養(yǎng)老的問(wèn)題，還能夠幫助保險(xiǎn)公司找到新的投資渠道，，獲取穩(wěn)健的收益。為此本文分析了我國(guó)現(xiàn)在養(yǎng)老社區(qū)的發(fā)展現(xiàn)狀并且以合眾人壽和泰康人壽所建的兩個(gè)典型的養(yǎng)老社區(qū)為例，分析了我國(guó)目前保險(xiǎn)公司投資養(yǎng)老社區(qū)的現(xiàn)實(shí)情況。根據(jù)案例的分析，總結(jié)出我國(guó)保險(xiǎn)公司投資養(yǎng)老社區(qū)還存在著非常多的問(wèn)題，如法律法規(guī)不健全、政府扶持力度不足、我國(guó)保險(xiǎn)公司投資建設(shè)養(yǎng)老社區(qū)缺乏經(jīng)驗(yàn)、目前的養(yǎng)老社區(qū)價(jià)格過(guò)高等問(wèn)題。為了彌補(bǔ)自身的不足，分析了國(guó)外成熟的養(yǎng)老社區(qū)，并總結(jié)出了值得我們借鑒的經(jīng)驗(yàn)。最后結(jié)合我國(guó)當(dāng)前保險(xiǎn)公司投資養(yǎng)老社區(qū)的困難，提出了相關(guān)的對(duì)策建議。例如需要完善相關(guān)的法律法規(guī)的制度建設(shè)，加大政府對(duì)保險(xiǎn)公司投資養(yǎng)老社區(qū)的扶持力度，以我國(guó)的具體國(guó)情為基礎(chǔ)，使保險(xiǎn)公司發(fā)展具有我國(guó)特色的養(yǎng)老社區(qū)。希望我國(guó)保險(xiǎn)公司投資建設(shè)的養(yǎng)老社區(qū)不僅能夠給保險(xiǎn)公司帶來(lái)收益，也能真正的幫助一部分老年人解決實(shí)際的養(yǎng)老問(wèn)題。
[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.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842.3;D669.6

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