Study On The Operation Mode Of Commercial Insurance Capital Based On The Combination Of Medical Care And Pension

Since 2013,the state has issued a series of policies on promoting the development of China's old-age service industry,and proposed to explore the "medical and nursing" old-age model,and began the practice of this old-age model in different places.However,China's original “health-care combination” pension model faces the problem that “medical” and “nurturing” cannot be effectively combined,the overall lack of medical resources,the diversity of elderly needs and the hierarchy of old-age care are at the present stage.Under the strategic background of China,we need to explore a more practical and advanced “health-care combination” pension model,gradually realize the transformation and upgrading of China's old-age industry,and serve China's increasingly serious social pension reality.With the continuous improvement of China's socialist market economy,China's original insurance companies have completed market-oriented restructuring,and have developed towards commercial insurance capital.There is an industry correlation between the pension industry and commercial insurance companies,and investment operations.The combination of medical care and “ageing community” has become the choice of many commercial insurance capitals.Based on the above background,this paper establishes the research direction of the commercial insurance capital operation mode of “medical and nursing” pension,explores the feasibility of this model,and provides some theoretical references for the development of China's medical industry.In this paper,by combing the research status of the original “medical and nursing” pension model in China,the paper analyzes the actual operation case analysis of the “medical and nursing” old-age community in the previous research,and uses the questionnaire survey method and interview method as research tools.Taking the Chu yuan home of Taikang,which is operated by Taikang Insurance,as theresearch object,the practical feasibility of the model of commercial insurance capital operation of “medical and nursing” pension is obtained.In the specific research,firstly discuss the relevant research background of this topic,sort out the domestic and international literature review of this topic,define the concept of “medical and nursing” pension,old-age community and commercial insurance capital,and introduce relevant theoretical tools used in the paper.And the research methods used.Secondly,through the analysis of the lack of the old "health-care combination" pension model in China,this paper introduces the characteristics and current situation of the "medical and nursing" old-age community in commercial insurance capital operation,and compares these two models.feasibility.Then,through the analysis of the research data of Taikang House Chuyuan,the social recognition and deficiency of this model in actual operation are discussed,which provides data persuasion for the research of this topic.Thirdly,using SWOT analysis method,it analyzes the advantages and disadvantages of commercial insurance capital in the operation of“health-care combination” old-age community,and faces the opportunities and challenges.It has obtained the SWOT matrix map of commercial insurance capital to develop the medical industry,and established the offensive.Type strategy.Finally,the relevant conclusions about the commercial insurance capital operation mode of“health-care combination” pension are obtained: this model has broad market prospects,slow industry development;industry standards are not clear,the supervision system is lacking;the industry layout is unreasonable,and it is built on the first and second lines.The city is separated from the existing social security system in China;the talent cultivation in the medical care industry is backward;the huge investment in commercial insurance capital has market risk.And put forward some suggestions for its future development.