| Along with the Social aging process accelerating, pension problem is becoming a major problem affecting the fairness and stability.Facing with the problem of single pension industry service,lack of investment,low operational efficiency and professional shortage,commercial pension insurance should choose what kind of development model? How to enter the pension industry? This will be the issue of the insurance industry, pension industry and government concerned.This paper defines the pension industry chain,as the basis for the development model proposed Hebei commercial pension insurance "one-stop" service, subsequently conducted a random survey of Hebei Province,use statistical methods for statistical analysis of the questionnaire.Ultimately concluded that Hebei suitable for building accommodation,catering, care, entertainment, tourism in one of the commercial pension insurance "one-stop" service system, but with limited ability to pay residents, service quality and cost should not be set too high-level, mid-range and high-grade universal acceptance of a wider range of services.Based on existing research results, insurance, economics and industrial organization theory as the premise,this paper is divided into six chapters.The first chapter presented the research background and significance of the study,to summarize the existing domestic and commercial development of pension-related research, and on the basis of clear research ideas and research methods, the article explained innovation and inadequate.The second chapter of the concept of industrial chains and pension industry chain defines that the pension industry chain, including the core industries, extend the industrial and derivatives industry, is committed to meet the rigid core industrial needs of the elderly live, extending the industrial commitment to meet the elderly entertainment needs, derived from investment banking industry is committed to meeting the needs of the elderly. This chapter is also based on the concept of thepension industry chain, proposed pension industry chain has driven, profitability,value-added features, in order to be able to correctly understand the commercial insurance company pension industry chain, and as a basis for the development of commercial pension insurance.The third chapter analyzes the present situation of pension in Hebei province,Hebei’s foreign population is increasing, economic development is lagging behind,family size is shrinking.On the demand side, Hebei pension demand, diverse needs,family pension relatively weakened; On the supply side, the lack of facilities for the elderly, Hebei Province, polarization serious resource endowment, pension market management chaos.The fourth chapter analyzes the needs of Hebei commercial pension insurance "one-stop" service. Through field research to obtain 225 valid questionnaires, surveys and projects are classified, and analyzed samples from the basic information and samples of both demand information in order to be able to get within range of commercial pension insurance Hebei potential customer needs the most realistic ability to pay and demand direction, and proposed operation of commercial pension insurance scheme "one-stop" service model based on this.The fifth chapter describes the service mode of Hebei commercial pension insurance "one-stop" service.Of Taikang Life and Union Life business model and experience of commercial pension insurance were analyzed and summarized, and based on this "one-stop" service model SWOT analysis, its own strengths,weaknesses and external presence opportunities and challenges to be clear in order to be able to provide strategic support for the development of commercial pension insurance "one-stop" service model.The sixth chapter summarizes the results of the survey to survey data as a basis for the development of commercial pension insurance "one-stop" service model put forward several suggestions to promote the healthy development of commercial pension insurance to ease the pressure on the social pension. |
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