我国中小型保险公司投资养老社区探析.docx

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 精心整理 仅供参考 勿用作商业用途 我国中小型保险公司投资养老社区探析 摘　　要 我国的养老产业、养老服务业十分落后，但是我国目前的养老产业需求却较大。再加上国内养老体制也不够完善，计划生育政策带来的影响和我国相对较为落后的社保制度，我国目前社会养老服务机构数量较少，根本不能够满足市场需求。随着政府的鼓励和市场强烈的需求，不少保险公司开始投资养老社区，但目前一些大型保险公司所投资的养老社区的目标客户定位偏高，价格也不够亲民，所以中小型保险公司投身到养老社区的建立中来，这不仅能解决我国养老问题，还能帮助中小型保险公司自身与整个保险行业的发展，还能减轻部分消费者的压力，实现共赢。 本文主要分析我国中小型保险公司目前投资建设养老社区的发展现状，通过大型保险公司与中小型保险公司投资养老社区的案例进行对比，阐述我国中小型保险公司在投资养老社区时所面临的诸多问题，其中包括投资成本过高、投资经验不足、竞争压力大、政策的缺失和缺少专业人才等问题。同时结合当前保险公司投资养老社区的现状，提出相关建议和对策。 关键词：中小型 保险公司；养老社区；投资 Analysis on the Development of Pension Community for Small and Medium-sized Insurance Companies in China ABSTRACT Chinese pension industry and pension industry are very backward, but Chinese current pension industry demand is relatively large. Coupled with the inadequate domestic pension system, the impact of the family planning policy and Chinese relatively backward social security system, Chinese current social pension service institutions are small, and can not meet market demand. With the encouragement of the government and the strong demand of the market, many insurance companies have begun to invest in the pension community. However, the target customers of the pension insurance communities invested by some large insurance companies are currently positioned at a high level and the prices are not close enough to the people, so small and medium-sized insurance companies have joined The establishment of the old-age community will not only solve the problem of Chinese pension care, but also help the development of small and medium-sized insurance companies and the entire insurance industry. It will also reduce the pressure on some consumers and achieve a win-win situation. Starting with the small and medium-sized insurance companies and the pension community, this paper focuses on the analysis of the status of the small and medium-sized insurance companies in building the pension community, and then compares the situation with that of the large insurance comp