摘要
在老龄化问题日益严峻的情况下,保险公司投资养老社区成为社会资本介入养老产业的重要形式。保险行业与养老产业存在天然的理论契合,国家政策也为保险公司投资养老社区提供了现实依据。考察我国主要保险养老社区情况,发现监管层面缺乏统一标准、投资模式单一、保险对接层次浅等问题,据此提出统一行业标准、探索创新盈利模式、创新保险产品等的建议,以期为我国养老产业体系建设提供参考。
Under the increasingly severe situation of the population aging,insurance companies investing in retirement community has become an important form of social capital intervention in the retirement community.There is a natural theoretical Coincidence between the insurance industry and the elderly care industry,and national policies also provide a realistic basis for insurance companies to invest in retirement communities.After investigating major insurance pension communities in China,we found that there is a lack of unified standards at the regulatory level,a single investment model,and a shallow level of insurance docking.Based on this,we put forward suggestions on unifying industry standards,exploring innovative profit models,and innovating insurance products,with a view to providing reference for the construction of China's pension industry system.
作者
周爱玲
杨梓
ZHOU Ailing(School of Economics,Minzu University of China,Beijing 100081,China;School of Economics,Langfang Normal University,Langfang Hebei 065000,China)
出处
《未来与发展》
2023年第3期42-47,共6页
Future and Development
基金
2017年河北省社科基金项目“京津冀协同发展背景下河北省农村社区养老体系的构建及创新研究”(HB17GL076)。
关键词
保险公司
投资
养老社区
insurance company
investment
retirement community
