The Analyzes On The Insurance Of House Endowment In Our Country

With the time of aging population problem getting more seriously, simply dependment on the traditional family endowment and weak social old-age security system has not ensured the normal life quality of the old men, endowment problem has been a challenge on the face of government and people. Housing endowment insurance in this paper can provide a deeper level of protection for the old men. As a kind of supplementary model for old-age security system, for one hand, it can promote the old men's independent endowment and help to reduce the children's economic pressure, for the other hand, it can rich the types of endowment insurance product, widening investment channels for insurance company, dispersing investment and improving profitability. The mode of housing endowment has developed for several decades in foreign countries and formed a relatively mature theory and the specific operation system, but in our country, it began to introduce and exploration in the end of twentieth century. At present, it often is on the broad of theory research, the research to specific issue is not deep enough, it still not enough to play a directive role in practice. In addition to three times of failure trial practice, there is no other specific operation to carry out.The main methods of study in this paper include theory study and comparison references. About the concept and basic theory of the endowment insurance of house, it uses the systemative theory study, and discusses the necessity for the development of the housing endowment from the angle of the theory. In the meantime, make a careful study to the development of the specific operation experience in Britain and the United States, and a comparison summary of the two countries. It has the important enlightenment and reference for our country, as promoting the insurance of house endowment in our country to start as soon as possible. The paper combines with the situation of our country, for basing upon the analysis of the systematic development of environment conditions in the insurance of house endowment, it deeply explores many problems about our insurance of house endowment, such as organization, operation mechanism and affiliated parties to assist, and brings up some certain measures.Full text is divided into six parts. Firstly, it describes significance, the research results at home and abroad and innovation and shortage in detail of housing endowment. Secondly, it is the exposition of the idea, concept and the corresponding basic theory. Thirdly, it's the related international development experience about the insurance of house endowment, mainly introducing the development of specific product in the United States and British, and making a comparison of the two countries. Fourthly, it is our country's condition analysis for developing the insurance of house endowment, and it starts with three aspects, as necessity, feasibility and problems. Fifthly, it is economic analysis from the consumer behavior theory to demands of the insurance of house endowment, exploring the demand factors of influence on the insurance of house endowment. Sixthly, this party is the specific operation of the insurance of house endowment.