The Research Of The Chinese Life Insurance Companies Invest In The Endowment Communities

As increasingly serious aging problem, China’s pension problem is addicted todrawing attention. Especially with40years of family planning, family structure hasgradually became4-2-1, and with the change in population migration and welfare policies,the traditional model of family pension has been over whelmed. The governmentinvestment as the main source of funding agencies pension model, is also facing a lack offunds, operational management level is low, and market derailment problem, whichmakes the development of institutional pension model cannot meet the current needs ofthe people. Introduction of social capital, relying on professional management team, tobuild community care model for the elderly to provide comprehensive, specialized,multi-level old-age service is imminent. Meanwhile, life insurance companies subject tothe funding of security, stability requirements have been faced with the inefficient use offunds, investment channels narrow issue. With the relaxation of the relevant national law,the life insurance company to have the opportunity to invest in the community to buildinfrastructure such as public welfare, to improve their capital efficiency.This paper analyzes the status of life insurance companies to invest in the pensioncommunity, the characteristics of the case conducted in-depth analysis, and thendescribes the life insurance companies to invest in retirement communities can not onlysolve the problem of funds of life insurance companies and also solve the pensioncommunity development issues.With which problems are described,this paper proposespolicies and recommendations for companies to invest in China’s life insuranceretirement community,to improve our current law,and the establishment of specializedteams,and more diversified investment environment. By introducing pension insurancefunds investment community, one can use a lot of money, the formation of aprofessional team, and the investment community building endowment to meet theneeds of people for quality retirement community services, to improving the quality oflife of older people aged; at the other hand, one can improve the life insurance funds useefficiency, and improve quality of service for customers. To promote life insurancecompanies to find new profit growth point, to promote the comprehensive development of the life insurance industry. China needs to support the life insurance companies toinvest in pension communities to better cope with the aging of China’s current situationof growing and promoting diversification of the pension industry, promote the upgradingand development of the pension industry, promote social harmony and stability, achievethe goal of " worthiness home, a sense of security, a feeling of happiness,".