【摘要】：隨著人口老齡化程度的不斷加深,我國(guó)老年人的養(yǎng)老問(wèn)題日益凸顯。實(shí)現(xiàn)世界衛(wèi)生組織提出的健康老齡化的目標(biāo),需要繼續(xù)改進(jìn)養(yǎng)老模式,促進(jìn)老年人健康的可持續(xù)發(fā)展。在我國(guó)的三種養(yǎng)老金來(lái)源中,基本社會(huì)養(yǎng)老保險(xiǎn)僅為參保人員提供基本的養(yǎng)老保障,且存在著巨大的缺口;企業(yè)年金只有少部分企業(yè)為其員工提供,商業(yè)養(yǎng)老保險(xiǎn)作為基本養(yǎng)老保險(xiǎn)的補(bǔ)充,發(fā)揮著重要的市場(chǎng)作用。因?yàn)椤搬t(yī)養(yǎng)�！碑a(chǎn)業(yè)融合范圍較大,本文主要從商業(yè)保險(xiǎn)參與醫(yī)養(yǎng)結(jié)合入手進(jìn)行討論。首先通過(guò)闡述醫(yī)養(yǎng)結(jié)合養(yǎng)老服務(wù)現(xiàn)狀及分析目前存在的問(wèn)題,繼而在健康老齡化視角下引出商業(yè)養(yǎng)老保險(xiǎn)參與醫(yī)養(yǎng)結(jié)合的必要性和可行性。然后,通過(guò)列舉當(dāng)今保險(xiǎn)參與醫(yī)養(yǎng)結(jié)合的主要和案例,對(duì)幾種商業(yè)壽險(xiǎn)公司目前規(guī)模較大的幾種以“醫(yī)養(yǎng)保”融合為背景的商業(yè)項(xiàng)目進(jìn)行簡(jiǎn)介與分析,總結(jié)出保險(xiǎn)參與醫(yī)養(yǎng)結(jié)合的運(yùn)營(yíng)模式。最后,對(duì)“醫(yī)養(yǎng)保”產(chǎn)業(yè)融合養(yǎng)老模式進(jìn)行優(yōu)勢(shì)、劣勢(shì)、機(jī)會(huì)、威脅方面的SWOT分析并提出相應(yīng)的戰(zhàn)略選擇。本文的研究結(jié)果表明,商業(yè)保險(xiǎn)參與醫(yī)養(yǎng)結(jié)合,對(duì)于醫(yī)養(yǎng)保產(chǎn)業(yè)鏈整合帶來(lái)閉環(huán)式的良好發(fā)展。無(wú)論是投資建設(shè)醫(yī)院或是建設(shè)養(yǎng)老社區(qū),醫(yī)養(yǎng)保產(chǎn)業(yè)融合都具有資金大、周期長(zhǎng)、回報(bào)慢的特點(diǎn)。商業(yè)壽險(xiǎn)公司由于保險(xiǎn)產(chǎn)品的特殊性,能在較長(zhǎng)一段時(shí)間內(nèi)持續(xù)有資金補(bǔ)給,因此有著大量空余的資金,需要尋求合適的長(zhǎng)期投資渠道,所以商業(yè)保險(xiǎn)參與醫(yī)養(yǎng)結(jié)合養(yǎng)老服務(wù)建設(shè)可以達(dá)到雙贏的效果。隨著我國(guó)人口老齡化的不斷加深,“醫(yī)養(yǎng)保”產(chǎn)業(yè)融合養(yǎng)老模式將對(duì)促進(jìn)健康老齡化發(fā)揮重要作用。
[Abstract]:With the deepening of the aging of the population, the aging problem of the elderly in China is becoming more and more prominent. To realize the goal of healthy aging put forward by the World Health Organization, we should continue to improve the old age model and promote the healthy and sustainable development of the elderly. In our country's three kinds of pension sources, the basic social endowment insurance only provides the basic old-age security for the insured personnel, and there is a huge gap. As the supplement of basic endowment insurance, commercial endowment insurance plays an important role in the market. Because of the wide range of industry convergence, this paper mainly discusses the commercial insurance involved in the combination of medical and nursing. First of all, this paper expounds the current situation of medical and nursing combined old-age service and analyzes the existing problems, and then leads to the necessity and feasibility of commercial old-age insurance participating in the combination of medical and nursing in the perspective of healthy aging. Then, through enumerating the main and cases of insurance participating in the combination of medical and nursing, the paper briefly introduces and analyzes several kinds of commercial projects with the background of the integration of "medical and maintenance" in the large scale of several commercial life insurance companies at present. The operation mode of insurance participating in the combination of medical and nursing is summarized. Finally, the paper analyzes the advantages, disadvantages, opportunities and threats of the "medical care and insurance" industry integration model by SWOT and puts forward the corresponding strategic choice. The results of this paper show that the participation of commercial insurance in the combination of health care and maintenance brings a good development of closed loop for the integration of the industry chain of medical and maintenance. Whether it is investing in hospital or building community for the aged, the integration of medical and nursing industry has the characteristics of large capital, long period and slow return. Because of the particularity of the insurance products, the commercial life insurance companies can continuously supply funds for a long period of time, so they have a lot of spare funds, so they need to seek suitable long-term investment channels. So commercial insurance participation in health care combined with old-age service construction can achieve a win-win effect. With the aging of the population in our country, the pattern of "medical care and insurance" industry integration will play an important role in promoting healthy aging.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類(lèi)號(hào)】：D669.6

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