保險(xiǎn)公司投資養(yǎng)老社區(qū)研究
發(fā)布時(shí)間：2018-11-24 09:23
【摘要】：中國保監(jiān)會(huì)官方網(wǎng)站公布的數(shù)據(jù)顯示，2013年前11個(gè)月，保險(xiǎn)公司原保險(xiǎn)保費(fèi)收入達(dá)15886.38億元，同比增長11.53%。保險(xiǎn)總資產(chǎn)達(dá)80903.66億元，比今年年初增長約10%。①作為金融行業(yè)的三大支柱產(chǎn)業(yè)之一，保險(xiǎn)業(yè)在國家的發(fā)展中起到了至關(guān)重要作用。而隨著保險(xiǎn)業(yè)的蓬勃發(fā)展，保險(xiǎn)資產(chǎn)規(guī)模不斷擴(kuò)大，以負(fù)債經(jīng)營的保險(xiǎn)業(yè)也面臨著巨大的資金壓力。不斷拓展新的投資渠道，匹配資產(chǎn)負(fù)債，保障保險(xiǎn)健康可持續(xù)發(fā)展，也成為保險(xiǎn)公司的重大課題。 同時(shí)，中國老齡化問題日益嚴(yán)峻，這也催生了老齡產(chǎn)業(yè)的快速發(fā)展，老齡產(chǎn)業(yè)的一個(gè)核心問題就是養(yǎng)老社區(qū)建設(shè)問題。目前，我國社會(huì)養(yǎng)老體系建設(shè)相對(duì)滯后，養(yǎng)老床位嚴(yán)重短缺。隨著獨(dú)生子女代的成長、觀念的轉(zhuǎn)變，養(yǎng)老床位的需求會(huì)與日俱增。單純靠政府養(yǎng)老和居家養(yǎng)老難以滿足需求。因此，綜合養(yǎng)老社區(qū)需求逐漸強(qiáng)烈，而養(yǎng)老社區(qū)投資回收周期長、資金投入需要量大且可持續(xù)的特點(diǎn)，給存量資金雄厚的保險(xiǎn)公司帶來了契機(jī)。 本文從保險(xiǎn)資金的負(fù)債匹配與投資渠道分析，結(jié)合保險(xiǎn)資金特點(diǎn)與監(jiān)管要求，為保險(xiǎn)資金進(jìn)入養(yǎng)老社區(qū)建設(shè)的可行性和養(yǎng)老社區(qū)建設(shè)模式提供參考。通過研究分析國內(nèi)外養(yǎng)老社區(qū)建設(shè)模式和盈利模式，為保險(xiǎn)資金投資養(yǎng)老社區(qū)建設(shè)提供實(shí)證分析。第一部分導(dǎo)論界定概念、闡述研究目的意義、研究現(xiàn)狀和方法。第二部分主要綜述保險(xiǎn)投資與養(yǎng)老社區(qū)建設(shè)相關(guān)理論。第三部分介紹保險(xiǎn)資金的運(yùn)用情況、養(yǎng)老市場(chǎng)的供需情況以及政策環(huán)境，分析保險(xiǎn)資金存量大、投資渠道狹窄與養(yǎng)老市場(chǎng)供不應(yīng)求的互補(bǔ)性以及鼓勵(lì)險(xiǎn)資投資、發(fā)展養(yǎng)老產(chǎn)業(yè)的良好政策環(huán)境，從而得出保險(xiǎn)資金可以投資養(yǎng)老產(chǎn)業(yè)的結(jié)論。第四部分通過案例研究，運(yùn)用SWOT方法分析得出保險(xiǎn)公司投資養(yǎng)老社區(qū)建設(shè)的制約因素。第五部分比較分析國內(nèi)外養(yǎng)老社區(qū)的建設(shè)模式，吸取經(jīng)驗(yàn)和教訓(xùn)為進(jìn)一步探索險(xiǎn)資投資養(yǎng)老社區(qū)建設(shè)模式奠定基礎(chǔ)。最后一部分結(jié)合以上分析，總結(jié)險(xiǎn)資投資養(yǎng)老社區(qū)的對(duì)策，初步探索保險(xiǎn)公司投資養(yǎng)老社區(qū)的建設(shè)模式，并做出最終結(jié)論。 保險(xiǎn)資金雖然有投資養(yǎng)老社區(qū)建設(shè)的天然優(yōu)勢(shì)和投資沖動(dòng)，但真正進(jìn)行項(xiàng)目運(yùn)作也是困難重重。養(yǎng)老社區(qū)建設(shè)是一個(gè)長期投資，需要有持續(xù)的、大量的資金投入。所以，，保險(xiǎn)公司決策時(shí)，既要考慮到公司業(yè)務(wù)發(fā)展的可持續(xù)性、保費(fèi)的久期、投資渠道不斷放開和監(jiān)管不斷規(guī)范的問題，也要考慮貨幣市場(chǎng)資金流動(dòng)性、通貨膨脹等因素帶來的機(jī)會(huì)成本。投資前需要謹(jǐn)慎，進(jìn)入后需要大膽堅(jiān)持。益預(yù)期高，給投資帶來很大壓力。因此，保險(xiǎn)公司對(duì)投資的風(fēng)險(xiǎn)管控也要隨之創(chuàng)新，以應(yīng)對(duì)日益復(fù)雜的投資風(fēng)險(xiǎn)。（二）養(yǎng)老社區(qū)相關(guān)理論
[Abstract]:In the first 11 months of 2013, insurance companies earned 1.588638 trillion yuan in insurance premiums, up 11.53 yuan from a year earlier, according to data released on the CIRC's official website. Total insurance assets reached 8.090366 trillion yuan, an increase of about 10. 1% over the beginning of this year. As one of the three pillar industries in the financial industry, the insurance industry has played a vital role in the development of the country. With the booming development of insurance industry, the scale of insurance assets is expanding, and the insurance industry operating with liabilities is also facing huge capital pressure. Developing new investment channels, matching assets and liabilities, and ensuring the healthy and sustainable development of insurance have also become an important issue for insurance companies. At the same time, the aging problem in China is becoming more and more serious, which leads to the rapid development of the aging industry, and the construction of the old-age community is one of the core problems of the aging industry. At present, the construction of social pension system in China lags behind, and there is a serious shortage of pension beds. With the growth of the only child generation, the concept of change, the demand for pension beds will grow. It is difficult to meet the demand by relying on the government to provide for the aged and to provide for the aged at home. Therefore, the demand for comprehensive pension community is gradually strong, and the characteristics of long investment recovery period, large capital investment and sustainable investment, bring opportunities to the insurance companies with abundant stock funds. Based on the analysis of liability matching and investment channels of insurance funds, combined with the characteristics of insurance funds and the requirements of supervision, this paper provides a reference for the feasibility of insurance funds entering into pension community construction and the mode of pension community construction. Through the research and analysis of the domestic and foreign pension community construction model and profit model, provide the empirical analysis for the insurance fund investment pension community construction. The first part defines the concept of the introduction, describes the significance of the purpose of the study, research status and methods. The second part mainly summarizes the insurance investment and endowment community construction related theories. The third part introduces the use of insurance funds, the supply and demand of the old-age market and the policy environment, analyzes the large stock of insurance funds, the complementarity between the narrow investment channels and the shortage of supply in the pension market, and encourages the risk investment. The conclusion that insurance funds can invest in pension industry can be concluded by developing a good policy environment of pension industry. The fourth part through the case study, uses the SWOT method analysis to obtain the insurance company investment pension community construction restriction factor. The fifth part makes a comparative analysis of the construction mode of the pension community at home and abroad, and draws the experience and lessons to lay the foundation for further exploring the construction model of the pension community with risk capital investment. In the last part, the author summarizes the countermeasures of insurance investment in pension community, explores the construction mode of insurance company investment pension community, and makes the final conclusion. Although the insurance fund has the natural advantage and the investment impulse to invest in the endowment community construction, it is also difficult to carry on the project operation. The endowment community construction is a long-term investment, needs to have the sustained, the massive capital investment. Therefore, when insurance companies make decisions, they should not only consider the sustainability of the company's business development, the duration of premiums, the continuous liberalization and regulation of investment channels, but also the liquidity of money market funds. The opportunity cost of factors such as inflation. You need to be careful before you invest, and you need to be bold to stick to it after you enter. Higher expectations bring great pressure to investment. Therefore, insurance companies to investment risk management and innovation to cope with the increasingly complex investment risk. (II) related theories of the community for the aged
【學(xué)位授予單位】：中共中央黨校
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：D669.3;F842.3
本文編號(hào)：2353127
[Abstract]:In the first 11 months of 2013, insurance companies earned 1.588638 trillion yuan in insurance premiums, up 11.53 yuan from a year earlier, according to data released on the CIRC's official website. Total insurance assets reached 8.090366 trillion yuan, an increase of about 10. 1% over the beginning of this year. As one of the three pillar industries in the financial industry, the insurance industry has played a vital role in the development of the country. With the booming development of insurance industry, the scale of insurance assets is expanding, and the insurance industry operating with liabilities is also facing huge capital pressure. Developing new investment channels, matching assets and liabilities, and ensuring the healthy and sustainable development of insurance have also become an important issue for insurance companies. At the same time, the aging problem in China is becoming more and more serious, which leads to the rapid development of the aging industry, and the construction of the old-age community is one of the core problems of the aging industry. At present, the construction of social pension system in China lags behind, and there is a serious shortage of pension beds. With the growth of the only child generation, the concept of change, the demand for pension beds will grow. It is difficult to meet the demand by relying on the government to provide for the aged and to provide for the aged at home. Therefore, the demand for comprehensive pension community is gradually strong, and the characteristics of long investment recovery period, large capital investment and sustainable investment, bring opportunities to the insurance companies with abundant stock funds. Based on the analysis of liability matching and investment channels of insurance funds, combined with the characteristics of insurance funds and the requirements of supervision, this paper provides a reference for the feasibility of insurance funds entering into pension community construction and the mode of pension community construction. Through the research and analysis of the domestic and foreign pension community construction model and profit model, provide the empirical analysis for the insurance fund investment pension community construction. The first part defines the concept of the introduction, describes the significance of the purpose of the study, research status and methods. The second part mainly summarizes the insurance investment and endowment community construction related theories. The third part introduces the use of insurance funds, the supply and demand of the old-age market and the policy environment, analyzes the large stock of insurance funds, the complementarity between the narrow investment channels and the shortage of supply in the pension market, and encourages the risk investment. The conclusion that insurance funds can invest in pension industry can be concluded by developing a good policy environment of pension industry. The fourth part through the case study, uses the SWOT method analysis to obtain the insurance company investment pension community construction restriction factor. The fifth part makes a comparative analysis of the construction mode of the pension community at home and abroad, and draws the experience and lessons to lay the foundation for further exploring the construction model of the pension community with risk capital investment. In the last part, the author summarizes the countermeasures of insurance investment in pension community, explores the construction mode of insurance company investment pension community, and makes the final conclusion. Although the insurance fund has the natural advantage and the investment impulse to invest in the endowment community construction, it is also difficult to carry on the project operation. The endowment community construction is a long-term investment, needs to have the sustained, the massive capital investment. Therefore, when insurance companies make decisions, they should not only consider the sustainability of the company's business development, the duration of premiums, the continuous liberalization and regulation of investment channels, but also the liquidity of money market funds. The opportunity cost of factors such as inflation. You need to be careful before you invest, and you need to be bold to stick to it after you enter. Higher expectations bring great pressure to investment. Therefore, insurance companies to investment risk management and innovation to cope with the increasingly complex investment risk. (II) related theories of the community for the aged
【學(xué)位授予單位】：中共中央黨校
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：D669.3;F842.3
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