發(fā)布時間：2018-10-04 19:34

【摘要】：隨著人口老齡化程度的不斷加深,我國老年人的養(yǎng)老問題日益凸顯。實現(xiàn)世界衛(wèi)生組織提出的健康老齡化的目標,需要繼續(xù)改進養(yǎng)老模式,促進老年人健康的可持續(xù)發(fā)展。在我國的三種養(yǎng)老金來源中,基本社會養(yǎng)老保險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)老保險作為基本養(yǎng)老保險的補充,發(fā)揮著重要的市場作用。因為“醫(yī)養(yǎng)�！碑a(chǎn)業(yè)融合范圍較大,本文主要從商業(yè)保險參與醫(yī)養(yǎng)結(jié)合入手進行討論。首先通過闡述醫(yī)養(yǎng)結(jié)合養(yǎng)老服務現(xiàn)狀及分析目前存在的問題,繼而在健康老齡化視角下引出商業(yè)養(yǎng)老保險參與醫(yī)養(yǎng)結(jié)合的必要性和可行性。然后,通過列舉當今保險參與醫(yī)養(yǎng)結(jié)合的主要和案例,對幾種商業(yè)壽險公司目前規(guī)模較大的幾種以“醫(yī)養(yǎng)�！比诤蠟楸尘暗纳虡I(yè)項目進行簡介與分析,總結(jié)出保險參與醫(yī)養(yǎng)結(jié)合的運營模式。最后,對“醫(yī)養(yǎng)�！碑a(chǎn)業(yè)融合養(yǎng)老模式進行優(yōu)勢、劣勢、機會、威脅方面的SWOT分析并提出相應的戰(zhàn)略選擇。本文的研究結(jié)果表明,商業(yè)保險參與醫(yī)養(yǎng)結(jié)合,對于醫(yī)養(yǎng)保產(chǎn)業(yè)鏈整合帶來閉環(huán)式的良好發(fā)展。無論是投資建設醫(yī)院或是建設養(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、回報慢的特點。商業(yè)壽險公司由于保險產(chǎn)品的特殊性,能在較長一段時間內(nèi)持續(xù)有資金補給,因此有著大量空余的資金,需要尋求合適的長期投資渠道,所以商業(yè)保險參與醫(yī)養(yǎng)結(jié)合養(yǎng)老服務建設可以達到雙贏的效果。隨著我國人口老齡化的不斷加深,“醫(yī)養(yǎng)�！碑a(chǎn)業(yè)融合養(yǎng)老模式將對促進健康老齡化發(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.
【學位授予單位】：廣東財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：D669.6

【參考文獻】

相關期刊論文 前10條

1 陳文輝;;保險資金運用原則[J];中國金融;2016年18期

2 王麗華;磯山優(yōu);周穎;;日本溫泉勝地的醫(yī)養(yǎng)結(jié)合實踐——日本國際醫(yī)療福祉大學附屬醫(yī)院及養(yǎng)老院[J];中國醫(yī)院建筑與裝備;2016年06期

3 宮芳芳;孫喜琢;邱傳旭;黃永平;;我國醫(yī)養(yǎng)融合養(yǎng)老模式實踐現(xiàn)狀[J];現(xiàn)代醫(yī)院管理;2015年02期

4 於軍蘭;周文萍;張杰;林傳俊;徐凌;李京鶴;涂香林;王艷;周琴;;黃石市醫(yī)養(yǎng)結(jié)合養(yǎng)老服務現(xiàn)狀分析[J];護理研究;2015年09期

5 肖揚;;醫(yī)養(yǎng)保產(chǎn)業(yè)漸趨融合[J];健康管理;2015年03期

6 王霞;馮澤永;李秀明;馮丹;;醫(yī)療服務融入居家養(yǎng)老服務模式中的探討[J];醫(yī)學與哲學(A);2015年02期

7 馬明慧;;推行“醫(yī)養(yǎng)結(jié)合”養(yǎng)老服務模式[J];奮斗;2015年01期

8 王長振;;老年人醫(yī)養(yǎng)結(jié)合的必要性和可行性[J];青春歲月;2015年01期

9 肖洪松;;破解養(yǎng)老難題的基本策略——“五元共構(gòu)”醫(yī)養(yǎng)融合模型的建立與分析[J];成都醫(yī)學院學報;2014年06期

10 陳慶琳;;南京市醫(yī)養(yǎng)融合現(xiàn)狀分析與對策[J];中醫(yī)藥管理雜志;2014年12期

相關碩士學位論文 前6條

1 高海珍;社區(qū)綜合服務體系下醫(yī)養(yǎng)結(jié)合養(yǎng)老方式初探[D];中國社會科學院研究生院;2014年

2 佘瑞芳;我國醫(yī)養(yǎng)結(jié)合養(yǎng)老模式的現(xiàn)狀、問題及其對策研究[D];南昌大學;2014年

3 楊金培;我國保險公司發(fā)展養(yǎng)老社區(qū)研究[D];河北經(jīng)貿(mào)大學;2014年

4 袁曉航;“醫(yī)養(yǎng)結(jié)合”機構(gòu)養(yǎng)老模式創(chuàng)新研究[D];浙江大學;2013年

5 楊景亮;老年人醫(yī)養(yǎng)結(jié)合服務模式探究[D];東北大學;2012年

6 李川瑜;我國城市居家養(yǎng)老社區(qū)服務研究[D];浙江大學;2007年

，

本文編號：2251610