【摘要】：保單貼現(xiàn)的出現(xiàn),可以有效解決被保險(xiǎn)人的資金需求,為年老且無勞動(dòng)收入的保單持有人提供養(yǎng)老金。2012年6月發(fā)布的《化解國家資產(chǎn)負(fù)債中長(zhǎng)期風(fēng)險(xiǎn)》研究報(bào)告預(yù)測(cè):到2013年,中國養(yǎng)老金的缺口將達(dá)18.3萬億元。社保負(fù)擔(dān)沉重,難以持續(xù)是一個(gè)全球性問題,屆時(shí)很難指望政府解決養(yǎng)老問題,指望家庭也不現(xiàn)實(shí)。但在我國壽險(xiǎn)快速發(fā)展的當(dāng)下,建立保單貼現(xiàn)市場(chǎng)將有助于緩解社會(huì)及家庭的養(yǎng)老壓力。另外,保單貼現(xiàn)還可以解決重癥患者因昂貴醫(yī)療費(fèi)用而無法及時(shí)得到治療的問題。本文通過對(duì)老年人口數(shù)及30種疾病平均住院醫(yī)藥費(fèi)用與退保金額的回歸分析,說明老年人及重疾患者對(duì)保單貼現(xiàn)的需求,得出保單貼現(xiàn)在我國具有較大的潛在市場(chǎng)。因此,我國應(yīng)盡快引入保單貼現(xiàn)業(yè)務(wù)。
[Abstract]:The appearance of policy discount can effectively solve the insurant's capital demand, In June 2012, a study on addressing medium-and long-term risks in National assets and liabilities predicted that China's pension gap would reach 18.3 trillion yuan by 2013. The heavy burden of social security is a global problem, and it is difficult to expect the government to solve the problem of old-age care, nor is it realistic to count on families. However, with the rapid development of life insurance in China, the establishment of policy discount market will help to alleviate the pressure of social and family pension. In addition, policy discount can also solve the serious patients because of high medical costs and can not be treated in a timely manner. Based on the regression analysis of the number of elderly population, the average medical expenses of 30 kinds of diseases and the amount of refunded insurance, this paper explains the demand for policy discount for the elderly and the seriously ill patients, and draws a conclusion that the policy discount has a large potential market in our country. Therefore, our country should introduce policy discount business as soon as possible.
【作者單位】： 西南財(cái)經(jīng)大學(xué)保險(xiǎn)學(xué)院;
【分類號(hào)】：F842

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