The Research Of Two Models About Insurance Companies Participating In Housing Endowment

With the growing tendency of an aging population in China,old-age problems have become increasingly serious, thus the Government encourages multiple parties to participate in the establishment of the old-age security system, and the CIRC encourages insurance institutions to carry out the "housing endowment" insurance pilot projects. Therefore the study of insurance companies’ participation in the "housing endowment" is based on the real problems and has practical significance. In addition, this thesis focused on the business models of "housing endowment" that insurance companies may adopt, which provided academic references for insurance companies and was of theoretical significance.First, the author introduced past related researches at home and abroad. Based on this, this thesis took the view point of insurance companies and made a detailed discussion on feasible operations that the insurance company may carry out in the "housing endowment" business, which represents innovative ideas. Second, this thesis elaborated on systematically the domestic and foreign business experience of "housing endowment" projects, and carried out a comparative analysis. Third, this thesis specifically analyzed the domestic environment for the development of "housing endowment" projects. Then, by proposing two possible models that allow insurance companies to participate in "housing endowment" projects, and on the basis of the improved pricing model, the author showed their different pricing methods with real cases, and compared the similarities and differences between the two models. Finally, this thesis pointed out the current obstacles in carrying out the "housing endowment" projects and offered strategic suggestions, and the author creatively proposed two categories of insurance. In short,"housing endowment" projects have promising prospects; however, there are great difficulties in operation. If insurance companies want to successfully launch the "housing endowment" projects, they need to not only enhance their own business level, but also collaborates more with multiple parties.