本文選題：壽險公司　切入點：養(yǎng)老地產(chǎn)　出處：《西南財經(jīng)大學(xué)》2014年碩士論文

【摘要】：人口老齡化,是我國必然要經(jīng)歷的一個社會問題,傳統(tǒng)的家庭養(yǎng)老模式正在承受越來越大的壓力,夫妻兩人贍養(yǎng)四個老年人將成為我國家庭養(yǎng)老的一種常態(tài)。隨著我國經(jīng)濟的發(fā)展和人們收入水平的日益提高,人們對養(yǎng)老的要求也越來越高。目前我國傳統(tǒng)的養(yǎng)老模式已經(jīng)無法滿足老年人的養(yǎng)老需求,人們對高端養(yǎng)老住宅的興趣越來越濃厚。在這種背景之下,養(yǎng)老地產(chǎn)逐漸興起,在剛剛興起的養(yǎng)老地產(chǎn)領(lǐng)域中,也出現(xiàn)了各種投資主體,其中,保險公司是讓人比較關(guān)注的一股投資力量。養(yǎng)老地產(chǎn)的建設(shè)和運營需要巨大的資金支持,其投資的回收周期長達10至15年,這些要求與保險公司特別是壽險公司的資金特性不謀而合。壽險資金具有規(guī)模大、期限長的特點,然而我國目前的壽險資金運用狀況并不十分理想,不論壽險資金的來源和期限長短如何,其投資的項目基本上都是短期性的,導(dǎo)致這種結(jié)果的原因是市場上還缺乏具有穩(wěn)定回報率的中長期投資項目。這種資金來源和投向的長短錯配,不利于保險資金形成良性循環(huán),也達不到保險資金要求的使用效果,養(yǎng)老地產(chǎn)的出現(xiàn)恰好成為了壽險資金投資困境的一個出口,因此壽險公司是非常適合參與養(yǎng)老地產(chǎn)的投資跟建設(shè)的。本文首先介紹了中國養(yǎng)老地產(chǎn)的概念,區(qū)分了其與一般地產(chǎn)項目的不同,并且在分析了我國現(xiàn)有的三種基本養(yǎng)老模式的不足之處基礎(chǔ)上,介紹了中國養(yǎng)老地產(chǎn)的興起。在第二章中,首先分析了壽險公司投資于養(yǎng)老地產(chǎn)的必要性,一方面是因為老年人口迅速增加和機構(gòu)養(yǎng)老需求迫切,另一方面則是因為壽險公司亟需與其長期資金相匹配的投資渠道,接著從法律、壽險公司和養(yǎng)老地產(chǎn)行業(yè)的角度分析了壽險公司投資于養(yǎng)老地產(chǎn)的可行性。第三章主要介紹了國外養(yǎng)老地產(chǎn)的發(fā)展概況和投資模式,結(jié)合國外的養(yǎng)老地產(chǎn)投資經(jīng)驗,在接下來的篇幅中則主要研究了可供我國壽險公司選擇的投資模式和投資策略,最后以泰康之家為例介紹了我國壽險公司投資養(yǎng)老社區(qū)的一個典型案例。
[Abstract]:The aging of the population is a social problem that our country must experience. The traditional family pension model is under more and more pressure. It will become the norm of our country to support four old people by husband and wife.With the development of economy and the improvement of people's income level, people's demand for old-age support is higher and higher.At present, the traditional old-age pension model can not meet the needs of the elderly, people are more and more interested in high-end old-age housing.In this background, pension real estate is gradually rising, in the newly rising field of pension real estate, there are also a variety of investors, among which, insurance companies are more concerned about an investment force.The construction and operation of pension real estate require huge financial support, and the investment recovery cycle lasts for 10 to 15 years. These requirements coincide with the capital characteristics of insurance companies, especially life insurance companies.Life insurance funds have the characteristics of large scale and long term. However, the current situation of life insurance funds in our country is not very ideal. Regardless of the source and duration of life insurance funds, the projects in which life insurance funds are invested are basically short-term.The reason for this is the lack of medium-and-long-term investment projects with stable returns in the market.This mismatch of the source and investment of such funds is not conducive to the formation of a virtuous circle of insurance funds, nor does it achieve the effect of the use of the insurance fund requirements. The emergence of pension real estate has just become an export of the investment dilemma of life insurance funds.Therefore, life insurance companies are very suitable to participate in pension real estate investment and construction.This paper first introduces the concept of China's pension real estate, distinguishes it from the common real estate projects, and on the basis of analyzing the deficiencies of the three existing basic pension models in China, introduces the rise of China's pension real estate.In the second chapter, we first analyze the necessity of life insurance companies to invest in pension real estate, on the one hand, because of the rapid growth of the elderly population and the urgent need for institutional pension.On the other hand, it is because life insurance companies need investment channels that match their long-term funds, and then analyzes the feasibility of life insurance companies investing in pension real estate from the perspective of law, life insurance companies and pension real estate industry.The third chapter mainly introduces the development situation and investment mode of foreign endowment real estate, combining with the investment experience of foreign pension real estate, in the following chapter, it mainly studies the investment mode and investment strategy that can be chosen by life insurance companies in our country.Finally, taking Taikang House as an example, it introduces a typical case of life insurance company investing in pension community in China.
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.3;F299.23;D669.6

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