Research On The Difference Of Commercial Endowment Insurance Demand In The Yangtze River Delta From The Perspective Of Grading

With the continuous intensification of the aging degree in the Yangtze River Delta and the continuous changes in the main contradictions in people’s lives.The ability of existing commercial pension insurance to meet consumer demand is getting weaker and weaker,and the seriousness of product homogenization is remarkable.in which case can we win the race by knowing exactly needs of elderly.At the same time,the first pension pillar in my country is overwhelmed and the second pension pillar develops slowly,laying a solid foundation for the third pillar of my country’s pension industry and opening up a new situation for the pension industry.There were already so many studies on the questions we mentioned above,shortcomings like disability of grasping the needs of elderly.This time,we connect two needs theory to describe needs of elderly in a systematic way,and analyze differences in Yangtze Delta region.We will first claim the fact that mismatch occurs among aging people and care services.now we’ve know that,it innovatively proposes three levels of elderly care service needs.Which including health care service needs,corresponding to their basic physiological and medical needs;active care needs,helping the elderly to establish a positive attitude and actively participating in society;successful care needs,encouraging the elderly to explore their potential.upon that framework,we conduct a research about the deviation within the Yangtze River Delta.Finally,we draw three main conclusion.Deviation cannot be neglected n the Yangtze River Delta region for elderly care services.Then,the elderly in Anhui Province are in great demand in terms of mental health and the cultivation of a positive attitude.Finally,the deviation in Yangtze River Delta would recueillir when people get old.On the other hand,we believe that commercial pension insurance companies should not only play the role of pension payment.The insurance industry should use its strong bargaining and resource integration capabilities to provide consumers with corresponding services.While expanding pension payments,it should also drive the huge pension market and numerous sub-industry chains.Therefore,under the general framework of ’insurance＆Internet＆service’,so that we can afford targeted polices by the deviation we’ve got.