Research On The Investment Of Life Insurance In Developing Community Service Pension

At present，China’s aging population has been growing faster than the averagegrowth rate of population in our country，so the aging population has become aproblem which needs to be settled in our country immediately. Because China’s agingpopulation has the characteristics that own old age large population base，" agingbefore getting rich "，unbalanced aging and regional level，urban and rural inversionand so on，so just relying on government funding is difficult to deal with the problemof China’s pension. With the economic and social development， especially the rapidincrease in the degree of population aging， there are more and more phenomena thata couple will support four old men. Though the government took measures to enlargethe expansion of the new pension service facilities， purchased pension services andtook other measures to deal with the ageing population， it is still difficult to meet theactual needs of society for the pension service.By means of literature research method, comparative research method and casestudy method, this article analyzed the research status of the aged caring communityat home and abroad， combing the relevant theories of aged caring community. Thenthis article analyzed the current situation of the development of the pension industryof our country and drew lessons from the United Kingdom， the United States andJapan in the aged caring community construction. At last， this article put forward anew type of pension which used the life insurance investment to build up the agedcaring community. And with QiPanShan aged caring community as an example， thisarticle analyzed the model of the investor， the construction services and managementsystem， which get the following conclusion: First， in terms of the investor， thisarticle put forward to use the insurance company as the investor to develop the agedcaring community through the life insurance funds investment， which willeffectively solve the problem of the under-funded pension. Secondly， in terms ofconstruction services， this article proposed that the aged caring community willestablish the health service function， the cultural leisure function and pension servicefunction so that it will meet the demand of the old from the elderly life， spirit，health， leisure and other various aspects. Moreover， in terms of internal andexternal management system， this article put forward to make the insurance company as the internal management core and strengthen communication with thegovernment and the nonprofit organization. The main innovation point of this articleis that this article put forward a new type of aged caring community which is investedby insurance company.