Research On The Market Potential And Development Strategy Of Commercial Pension Insurance In Shandong

With the implementation of family planning policy in China,the parents of the first group of only children have begun to enter the aging stage.The "421 family" family structure makes the only child feel pressure when dealing with the problems of raising their children and supporting the elderly.At present,the degree of population aging in China is becoming more and more serious.How to properly solve the problem of residents' pension has become the focus of attention from all walks of life.In view of this,the development of the commercial pension insurance market will help to solve the important problems that perplex our country's social and economic development fundamentally.From the government perspective,vigorously promote the commercial endowment insurance helps to reduce the government in residents in the basic old-age insurance of the financial burden,which can be more financial funds for economic development;from the perspective of residents,the development of commercial pension insurance market,mandatory savings helps to achieve residents,which can provide higher quality the material guarantee for the residents of retirement.n recent years,with the rapid development of China's economy,the disposable income of residents increased continuously,the population aging process gradually accelerate,and gradually fade out of ideas,continue to enhance the awareness of residents insured pension in China,the rapid growth of business,commercial endowment insurance market ushered in a hitherto unknown development opportunity.In view of this,this paper selects 17 cities in Shandong Province as a sample,development potential and development strategy of the commercial endowment insurance market in Shandong Province,on the one hand,for the Shandong province to promote the development of commercial pension insurance offer suggestions,provide a reference on the other hand also for other provinces in China,the development of the market of commercial endowment insurance.Based on the research of literature review and related theories,this paper expounds the development situation of Shandong Province,the commercial endowment insurance from four aspects,the overall insurance market structure,product structure and development opportunity;from the two levels of the development environment,the market demand analysis of Shandong Province commercial pension insurance development potential;selected the Shandong province 17 city as the research object,with the economic development,living standards,social welfare,culture and education,health,science and technology development,awareness of insurance and other economic "soft power" as the evaluation index,using the factor analysis method of the city pension insurance business development potential for scheduling;and finally classify the results of factor analysis using cluster analysis method,and put forward the suitable commercial pension insurance market development strategies for different regions.