Research On Risk Assessment And Management Of Pension Community Construction Based On Commercial Insurance

Since entering the 21 st century,China has officially entered the era of population aging.In2000,the number of elderly people aged 65 and over in China was 88.21 million.In 2017,it rose to 158.31 million,an increase of 79.5% year-on-year.The proportion increased from7.0% in 2000 to 11.4% in 2017,an increase of 62.9% year-on-year.The growth rate of the elderly in China has generally accelerated.The aging population has brought about a huge number of elderly people,and the demand for old-age services has continued to increase.However,at present,there are 29,000 old-age care institutions in China,7.142 million beds for old-age services,and the number of beds for every 100 elderly people.At only 4.5,there is still a huge difference between the supply and demand of old-age services,and there is a huge gap in the market for aged care services.At present,China’s main ways of providing for the elderly are home-based care and institutional pensions,but neither of the two ways of providing for the elderly can meet the elderly’s elderly care needs.The gap between the supply and demand of old-age care services in the market is gradually increasing.The old-age care system with the government and the family as the main body can not meet the elderly’s elderly care service demand,and socialized pension will become a trend.The social forces represented by commercial insurance have gradually entered the old-age service market.At present,there are three main ways in which commercial insurance can participate in old-age services: developing pension financial products,establishing old-age care communities,and setting up old-age care services.At present,most of the research on establishing old-age community for commercial insurance focuses on path selection and lacks corresponding risk analysis.This paper adopts the SWOT analysis method to identify the risk of establishing the old-age community in commercial insurance,and then uses the analytic hierarchy process to evaluate the risk indicators according to the risk identification results,and empirically verifies the Taikang home as the research object,and finally establishes the pension for commercial insurance.The community proposes corresponding risk management measures.