A Research Of Chinese Life Insurance Company Invest In The Retirement Community

At present, the increasingly serious problem of aging has become a difficult problem in front of each country government how to properly handle the various kinds of aging society problems brings into various government imminent storm. In our country, the aging society has always been a "421" structure, which is a normal family in China will have 4 old men and women, a couple and a child. In this context, the pressure of normal adult couples to take care of the elderly increases day by day. Elderly people in the future will gradually become the hard burden of Chinese families. When the inherent idea of endowment in China has not been changed, the pension issue will always be the tricky problem for the families in China.According to the relevant data of the Bureau of civil affairs, as of 2014 December, despite a national civil affairs system coordinate and support to reform 18 aspects of pension services and comprehensive reform, start the endowment service industry public pension institutions reform in 6 pilot work, but per thousand elderly people can only have a pension of 25.43 beds. According to estimates, the total beds accounted for about 2% of total population of elderly people, even compared with the international average level of 5% to 7%, our country still has a long way to go. Now the huge gap of Chinese endowment beds is gradually becoming the worry of more and more people, and now a sense of security that all elderly people could have a peace place to get through their old age has gradually become a distant thing. If we want to really solve the pension gap problem, we must think from another angle.Life insurance company investment of pension community will gradually become a new trend, the reason is that, the life insurance industry has the advantages in capital and investment which is not available in other industries. The premium income by 2014 December Chinese insurance companies has risen to 2.02 trillion. In view of China life insurance company strong financial strength, the insurance companies in pension investment community has increasingly become the key topic of academic research. Fortunately, many insurance companies have begun to practice the idea of community pension investment, among which the pension community Taikang Life is most famous. Because the investment of pension, the community is relatively a new topic, so, the experience of community endowment investment in foreign countries is for reference.This paper is divided into six chapters.The first chapter is the introduction part, introduces the reasons of the corresponding background of this paper, mainly lies in the difficulties of the problem of providing for the aged. The pension industry in our country still lack seriously, the old-age social welfare model in China is still not mature and perfect. Secondly, on the domestic and foreign literature review related to do a simple introduction. Finally, the basic ideas and the structure arrangement of this paper is summarized in this paper, the innovation mentioned and possible deficiencies in what places.The second chapter mainly introduces our country’s social welfare model compared to other developed countries and developed areas still lack in which places, and then introduced the current status of the development of pension community in our country, and then several forms of the current environmental endowment community in China mainly exist.The third chapter using the SWOT method, from the advantages, disadvantages, opportunities, challenges of the pension community investment in insurance company, to do a comprehensive overview on this idea of insurance companies to invest in the pension community.The fourth chapter uses the related experience in building endowment community in our country and abroad to do a summary and analysis, by drawing on advanced foreign pension community. Helping to make a contribution to let our country’s insurance companies to invest in the pension community more about how to invest, the proportion of investment, operation mode and so on.The fifth chapter from the relevant experience of foreign pension community can come to our current old-age community building process is lacking, including the distribution of the manpower and resources, how the government should give greater support in this aspect in our country, put forward relevant suggestions for the old-age community service level of our country in the future stage how to for each improving etc.The last is the conclusion of the full text, makes a comprehensive summary of the basic view of this paper.In China’s current insurance company investment level, obtains the theory of the investment rate of return should be much higher than the existing achievement.According to Wind data show that as of 2015 January, five insurance companies which are listed, the investment rate of return is generally range from 4% to 6%.However, if the insurance companies could expand their financing channels actively, then in the future the profit level of Chinese insurance companies will be increased greatly, because according to the statistics, the profit source of insurance companies, mainly is the difference between the return on investment and cost of debt, the insurance company’s investment rate of return will determine the direction of the insurance company’s profit. At present, the invest in the pension community for insurance companies are still in a relatively primitive stage, no matter from the theoretical or practical aspects. As we can see, Taikang Life Insurance which is in a leading position in the old-age community building, designed a pension community in Yanyuan,which starts the official trial operation at Shanghai in 2015.Therefore, it can be said, the subject construction of the old-age community in China now is a relatively new topic. According to the domestic and foreign papers in the literature as more as possible, this article describes the construction of the individual pension community literature is relatively much more, but the insurance companies to invest directly in the old-age community literature is relatively much less.Therefore, from these aspects, this article aiming at this topic has carried on corresponding research. In addition, this paper also have the aid of other research tools, such as SWOT, case analysis and so on to strengthen the timeliness and effectiveness of this paper, and put forward the correspond suggestions and opinions in view of the current our country insurance company building the old-age community deficiencies. The purpose of this paper is to summarize a suitable insurance companies using retirement community investment method in China.