The Research Of Development Mode Of Insurance Companies Invest Retirement Community

Insurance companies as one of the three pillars of the financial industry in the 21 st century ushered in the vigorous development of competition in the insurance market system are maturing, continuing to strengthen the competitiveness of the industry. In 2013, the original premium income of China’s insurance companies reached 1.72 trillion yuan, in 2014, breaking two trillion yuan mark. Huge premiums for liability insurance company operating challenges, how to effectively use a large number of idle state insurance funds to improve the yield of insurance companies is a new research direction of insurance companies. China’s insurance funds there has been limited investment channels, the investment structure of a single, short-term problems matching endowment as a retirement community property, in terms of assets and liabilities to match the insurance funds, investment funds and insurance income characteristics are consistent, insurance funds good choice to open up investment channels.Pension insurance companies to invest in retirement community has its natural advantages. First of all, life insurance is a life insurance company’s main business, and life insurance with a long time, lasting character. This is in line with the pension community for the elderly stay long, uninterrupted service pension. Secondly, the insurance company’s second advantage comes from the life insurance company’s products, such as pension, medical care insurance. Build retirement community can open up a new, large and stable market segments for these products, which will not only expand into new markets, and will greatly reduce the life insurance company’s search costs and improve profit insurance companies. Finally, the insurance company’s third-largest retirement community investment pension advantage comes from their own care, which is a major focus of the pension community building. Life insurance company owned by nursing personnel and technology more professional than other types of businesses that can better meet the needs of the elderly stay retirement community, which increases the value of the retirement community to a certain extent, so that the life insurance companies to invest in the construction of the retirement community more attractive.The full text is divided into five chapters, pension and health insurance companies to invest in retirement community development model in-depth study:The first chapter is the introduction. Mainly introduces the research background, purpose, significance, research methods, research content. The second chapter is a literature review of the aging population and the retirement community, about the use of insurance funds, insurance funds on real estate investment, domestic life insurance companies to invest in content retirement community and its problems, such as a comprehensive, in-depth review of the literature, in the last chapter the author were reviewed.The third chapter is the status of the development of the pension community were analyzed. This chapter first of the pension industry, retirement community, the concept of retirement community were defined. Then the stage of development of China’s pension community and existing problems were analyzed. In the final chapter analyzes the investment environment of China’s pension insurance business community, that is, its prospects and risks.The fourth chapter is the health of the domestic and foreign pension estate development model analysis. The main foreign models for the US and Japan are analyzed, mainly for domestic Taikang Life, China Ping An, China Life- the ecological health of Langfang City, Union Life, New China Life, several insurance companies to invest pension estate Model. Retirement community at home and abroad by the operating mode of analysis, the retirement community at home and abroad to explore running for office to learn from the experience of China’s pension insurance companies investing in new communities.The fifth chapter discusses the health insurance companies to invest pension community business model innovation. Including pension insurance profit and public balance six aspects from traditional to modern pension concept of change, policy support retirement community building community endowment product design, operation mode of the retirement community, retirement communities and other risk management products comprehensively, systematically retirement community business model analysis, and propose innovative strategies.