Research On Promote “Housing Endowment” Of Insurance Industry In Gansu Province

August 10,2014,the State Council as Guo Fa [2014] No.29 issued "Several Opinions on Accelerating the development of modern insurance services",where "opinions" Article V proposed innovative pension products and services.Provide personalized,differentiated pension for different groups.In mid-December 2014,the Gansu provincial government office issued a "Gansu Provincial People's Government to implement the insurance on accelerating the development of modern service." which clearly put forward to support qualified local housing for the elderly to carry out a reverse mortgage endowment insurance pilot,It is known as the "housing endowment.""The Housing Endowment" innovations that break the shackles of traditional ideas and narrow way to solve the insurance funds and low-yielding issues,and adapt to economic and social development in Gansu Province Zambia needs a new pension model.Foreign "Housing Endowment" in practice mainly to a reverse mortgage and real estate and pension replacement of existing housing in the form of banks,insurance companies and other institutions to expand,has been determined as a system;In our country "The housing endowment" pilot in its infancy and progress is slow,there is the concept of reason,cultural,economic,institutional and other aspects of its cause.In this paper,Gansu Province,to promote the insurance industry "Housing Endowment" Other issuesdiscussed,and the actual situation in Gansu Province were analyzed,and strive to promote the implementation of the Housing Endowment in Gansu province to provide some theoretical reference and practical guidance.The innovation of this paper lies in Lanzhou City,Gansu Province questionnaires practical understanding of the public "to the Housing Endowment," the true idea,and then to carry out more targeted applied research.This paper is divided into five parts.The first part describes the background and significance of research topics and present situation of domestic and foreign.The second part is related to the Housing Endowment concept description,including the connotation,theoretical basis,practical experience at home and abroad.The third part is the use of a questionnaire survey of Gansu Province to carry out the feasibility and necessity of the Housing Endowment's research and draw conclusions Gansu Province have feasibility.The fourth part is the insurance industry to promote Gansu risks and problems "to the Housing Endowment" encountered lists and find appropriate countermeasures.The fifth part is to carry out "to the Housing Endowment" Suggestions,while expectations of Gansu province to promote the play a reference.