壽險公司投資專業(yè)養(yǎng)老社區(qū)研究
發(fā)布時間：2019-04-03 06:43
【摘要】：當前中國人口老齡化形勢十分嚴峻,如何妥善解決養(yǎng)老問題是擺在國家和各級政府面前的一道難題。一方面,由于受到“421”家庭結構的影響,家庭規(guī)模逐漸趨于小型化,使得中國人傳統(tǒng)的家庭養(yǎng)老方式受到沖擊,老年人的養(yǎng)老問題成為家庭的一個沉重負擔,老年人群對機構養(yǎng)老的服務需求迅速增大。另一方面,我國養(yǎng)老機構及服務的供給相對缺乏。據(jù)民政部門相關數(shù)據(jù)統(tǒng)計,截止2012年底全國各類社會養(yǎng)老機構床位總數(shù)為390萬張,每千名老人養(yǎng)老床位數(shù)僅為20.6張,即總床位數(shù)僅占老年人總數(shù)的2%左右,較之國際社會通行的5%至7%的水平相差甚遠。養(yǎng)老機構供需失衡的現(xiàn)狀,使得老年人“老有所養(yǎng)”的養(yǎng)老需求無法得到滿足,需要探索一條解決養(yǎng)老問題的新型道路。 壽險公司投資專業(yè)養(yǎng)老社區(qū)作為一種新型的養(yǎng)老模式,近年來在國內外理論與實務界都得到了較大的關注。我國壽險資金投資專業(yè)養(yǎng)老社區(qū)尚處于起步階段,目前各家壽險公司都在積極摸索和嘗試既符合中國國情、又適合本公司情況的投資模式。由于直接研究壽險資金投資專業(yè)養(yǎng)老社區(qū)的相關文獻極為少見,而專業(yè)養(yǎng)老社區(qū)又屬于典型的養(yǎng)老不動產,所以在投資方式和資金運用等方面可以借鑒國外壽險資金投資養(yǎng)老不動產的相關經驗,以此來研究我國壽險公司投資專業(yè)養(yǎng)老社區(qū)的相應模式。 本文從我國人口老齡化的國情以及由此產生的養(yǎng)老供需矛盾出發(fā),分析了壽險公司投資養(yǎng)老社區(qū)的可行性。結合我國養(yǎng)老社區(qū)的發(fā)展現(xiàn)狀,用SWOT分析的方法,從壽險公司投資專業(yè)養(yǎng)老社區(qū)的優(yōu)勢、劣勢、機遇、挑戰(zhàn)四個方面進行了深入的分析。通過借鑒國外壽險資金投資養(yǎng)老不動產的相關經驗,并針對我國養(yǎng)老社區(qū)發(fā)展中存在的問題,提出了我國壽險公司投資運營專業(yè)養(yǎng)老社區(qū)的新型商業(yè)模式,為壽險公司積極參與投資、建設和運營養(yǎng)老社區(qū)提供建議和參考,并以此來推動我國新型養(yǎng)老模式發(fā)展,完善社會養(yǎng)老體系建設。 全文共分為六章。 第一章為緒論部分,首先介紹了論文的選題背景——我國日趨嚴峻的養(yǎng)老問題和壽險公司投資專業(yè)養(yǎng)老社區(qū)的可行性,并闡述了研究的意義。其次對現(xiàn)有國內外相關文獻進行了歸納總結。最后介紹了本文的基本思路與結構安排,文章中可能的創(chuàng)新和不足之處。 第二章介紹了我國養(yǎng)老社區(qū)的發(fā)展現(xiàn)狀,包括基本概念、主要形式和我國老社區(qū)發(fā)展中存在的問題。 第三章利用SWOT分析方法,從優(yōu)勢、劣勢、機遇、挑戰(zhàn)四個方面對壽險公司投資專業(yè)養(yǎng)老社區(qū)進行了深入的分析。 第四章對國內外建設運營專業(yè)養(yǎng)老社區(qū)的相關案例進行了分析,并借鑒國外壽險資金投資養(yǎng)老不動產的相關經驗,在我國壽險資金投資專業(yè)養(yǎng)老社區(qū)的資金運用、投資比例、風險把控、投資方式等方面得到了啟示。 第五章從客戶定位、服務水平、運營模式、決策機制、隊伍建設、政策支持等方面對我國壽險公司投資運營專業(yè)養(yǎng)老社區(qū)提出了相關建議。 第六章是全文的結語。對全文的基本觀點進行了總結概括。 目前壽險資金投資養(yǎng)老社區(qū)的方式選擇、投資后的經營管理與風險監(jiān)控、投資退出等問題,不管從理論方面,還是從實踐方面而言,均是一個比較新的課題。單獨研究養(yǎng)老社區(qū)建設、保險公司資金投資不動產的文獻相對較多,而專門研究壽險公司投資專業(yè)養(yǎng)老社區(qū)的文獻極為少見,本文從國內外壽險資金投資不動產的經驗借鑒著手,對此進行了探索性的研究。此外,本文借助SWOT分析、具體案例分析等手段,對壽險公司投資專業(yè)養(yǎng)老社區(qū)的優(yōu)劣勢、可行性及發(fā)展前景進行了深入分析,并對此提出了有針對性的政策建議,試圖探索出一種適合我國國情的新型養(yǎng)老模式。
[Abstract]:The situation of aging population in China is very serious, and how to properly solve the problem of the old-age is a difficult problem before the state and all levels of government. On the one hand, due to the influence of the "421" family structure, the size of the family gradually tends to be small, so that the Chinese traditional family pension scheme is impacted, the old-age pension problem of the old people becomes a heavy burden of the family, and the service demand of the elderly group for the elderly is rapidly increased. On the other hand, the supply of old-age institutions and services in our country is relatively short. According to relevant statistics of the Ministry of Civil Affairs, the total number of beds for all kinds of social-care institutions nationwide is 3.9 million by the end of 2012, and only 20.6 per 1,000 old-age support beds, that is, the total number of beds is only about 2% of the total number of the elderly. It is far from the level of 5 to 7 per cent of the international community. The current situation of the imbalance of supply and demand of the old-age institution makes the old-age "to have a good old one's" 's old-age demand unable to be met, and needs to explore a new road to solve the old-age problem. As a new type of pension model, the life insurance company invests in the old-age community as a new type of old-age. In recent years, both the domestic and foreign theories and the practical world have a great effect. China's life insurance fund investment professional pension community is still in the initial stage. At present, all the life insurance companies are actively exploring and trying to meet the national conditions and the investment model of the company's situation. It is very rare for the related literature to directly study the pension community of the life insurance funds, and the professional pension community is a typical old-age real estate. Therefore, it is possible to use the foreign life insurance funds to invest in the related classics of the old-age real estate in terms of the way of investment and the application of the funds. To study the corresponding model of the pension community for the investment of life insurance company in China. Based on the situation of the population aging in China and the contradiction between the supply and demand of the aged, this paper analyzes the investment of the life insurance company in the old-age community. Based on the present situation of the development of the old-age community in our country, the author makes an in-depth study on the advantages, disadvantages, opportunities and challenges of the pension community from the life insurance company by means of the method of SWOT analysis. By using the experience of foreign life insurance funds to invest in the real estate of the aged, and aiming at the problems existing in the development of the old-age community in our country, the new business model of the pension community for the investment and operation of the life insurance company of our country is put forward, which is an active part of the life insurance company. To provide advice and reference to the investment, construction and operation of the old-age community, and to promote the development of the new type of old-age model in China, and to improve the social pension. Construction of the system. This article is divided into six chapters. The first chapter is the introduction section, first introduces the background of the thesis and the feasibility of our country's increasingly serious pension problem and the investment professional pension community of the life insurance company, and also The significance of the study is described in this paper. In the end, the paper introduces the basic thought and structure arrangement of this paper, and it is possible in this paper The second chapter introduces the development of the old-age community in our country, including the basic concept, the main form and the old society of our country. The third chapter uses the method of SWOT to analyze the investment of life insurance company from four aspects: advantages, disadvantages, opportunities and challenges The fourth chapter analyzes the relevant cases of the old-age community in the construction and operation of home and abroad, and draws on the relevant experience of the foreign life insurance funds to invest in the old-age real estate, and the investment of the pension community in the investment of life insurance funds in our country. Application of gold, proportion of investment, risk control The fifth chapter introduces the investment of life insurance companies from the aspects of customer location, service level, operation mode, decision-making mechanism, team construction, policy support and so on. The Service of the Old-age Community of the Operation Relevant recommendations. Chapter VI is the full text. In this paper, the basic views of life insurance funds are summarized and summarized. The way of the current life insurance fund investment for the old-age community, the operation management and the risk monitoring after the investment, the investment withdrawal and so on, whether from the theory, but also From the point of practice, it is a relatively new subject. To study the construction of the old-age community alone, the literature of the insurance company's capital investment real estate is relatively large, and the literature of the special research life insurance company to invest in the old-age community is very rare, this article from the domestic and foreign life insurance funds to invest in real estate In addition, by means of SWOT analysis and specific case analysis, this paper makes a deep study on the superiority and disadvantage, feasibility and development prospect of the pension community of life insurance company. In this paper, we put forward some policy suggestions, and try to put forward some policy suggestions.
【學位授予單位】：西南財經大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.3;D669.6
本文編號：2452987
[Abstract]:The situation of aging population in China is very serious, and how to properly solve the problem of the old-age is a difficult problem before the state and all levels of government. On the one hand, due to the influence of the "421" family structure, the size of the family gradually tends to be small, so that the Chinese traditional family pension scheme is impacted, the old-age pension problem of the old people becomes a heavy burden of the family, and the service demand of the elderly group for the elderly is rapidly increased. On the other hand, the supply of old-age institutions and services in our country is relatively short. According to relevant statistics of the Ministry of Civil Affairs, the total number of beds for all kinds of social-care institutions nationwide is 3.9 million by the end of 2012, and only 20.6 per 1,000 old-age support beds, that is, the total number of beds is only about 2% of the total number of the elderly. It is far from the level of 5 to 7 per cent of the international community. The current situation of the imbalance of supply and demand of the old-age institution makes the old-age "to have a good old one's" 's old-age demand unable to be met, and needs to explore a new road to solve the old-age problem. As a new type of pension model, the life insurance company invests in the old-age community as a new type of old-age. In recent years, both the domestic and foreign theories and the practical world have a great effect. China's life insurance fund investment professional pension community is still in the initial stage. At present, all the life insurance companies are actively exploring and trying to meet the national conditions and the investment model of the company's situation. It is very rare for the related literature to directly study the pension community of the life insurance funds, and the professional pension community is a typical old-age real estate. Therefore, it is possible to use the foreign life insurance funds to invest in the related classics of the old-age real estate in terms of the way of investment and the application of the funds. To study the corresponding model of the pension community for the investment of life insurance company in China. Based on the situation of the population aging in China and the contradiction between the supply and demand of the aged, this paper analyzes the investment of the life insurance company in the old-age community. Based on the present situation of the development of the old-age community in our country, the author makes an in-depth study on the advantages, disadvantages, opportunities and challenges of the pension community from the life insurance company by means of the method of SWOT analysis. By using the experience of foreign life insurance funds to invest in the real estate of the aged, and aiming at the problems existing in the development of the old-age community in our country, the new business model of the pension community for the investment and operation of the life insurance company of our country is put forward, which is an active part of the life insurance company. To provide advice and reference to the investment, construction and operation of the old-age community, and to promote the development of the new type of old-age model in China, and to improve the social pension. Construction of the system. This article is divided into six chapters. The first chapter is the introduction section, first introduces the background of the thesis and the feasibility of our country's increasingly serious pension problem and the investment professional pension community of the life insurance company, and also The significance of the study is described in this paper. In the end, the paper introduces the basic thought and structure arrangement of this paper, and it is possible in this paper The second chapter introduces the development of the old-age community in our country, including the basic concept, the main form and the old society of our country. The third chapter uses the method of SWOT to analyze the investment of life insurance company from four aspects: advantages, disadvantages, opportunities and challenges The fourth chapter analyzes the relevant cases of the old-age community in the construction and operation of home and abroad, and draws on the relevant experience of the foreign life insurance funds to invest in the old-age real estate, and the investment of the pension community in the investment of life insurance funds in our country. Application of gold, proportion of investment, risk control The fifth chapter introduces the investment of life insurance companies from the aspects of customer location, service level, operation mode, decision-making mechanism, team construction, policy support and so on. The Service of the Old-age Community of the Operation Relevant recommendations. Chapter VI is the full text. In this paper, the basic views of life insurance funds are summarized and summarized. The way of the current life insurance fund investment for the old-age community, the operation management and the risk monitoring after the investment, the investment withdrawal and so on, whether from the theory, but also From the point of practice, it is a relatively new subject. To study the construction of the old-age community alone, the literature of the insurance company's capital investment real estate is relatively large, and the literature of the special research life insurance company to invest in the old-age community is very rare, this article from the domestic and foreign life insurance funds to invest in real estate In addition, by means of SWOT analysis and specific case analysis, this paper makes a deep study on the superiority and disadvantage, feasibility and development prospect of the pension community of life insurance company. In this paper, we put forward some policy suggestions, and try to put forward some policy suggestions.
【學位授予單位】：西南財經大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.3;D669.6
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