Risk And Management Of Life Insurance Capital Investing To Retirement Community

Up to 2014, there are 13 trillion aged population who is over 65 years old in China. To calculating based on the total number of 1.375 billion, the propotion of over 65 years old people is around 9.967%, which indicate aging problem is very serious. Facing the increasing problem, the traditional pension mode has been unable to satisfy aging support demand, so it is necessary and inevitable to find out new aged care models. In the background of current aging market, exploration of community aging mode has broad prospects and great developing potential.In 2008, the State Council 《Several opinions about the current financial promoting economic development》 relevant provisions of improving Insurance Company involving healthcare industry and pension entity construction delivered the encouragement coming from our country to let Insurance company go deep into aged service industry. In 2009,the latest Insurance law broaden ways of application of funds for Insurance Companies. Real estate was enrolled into range of insurance capital investing,which provide legal guarantee for the idea-Life Insurance Corporation invest for aging community,17th Mar 2016,’The thirteenth five-year development planning" was issued, it made clear that government payed close attention to aging problem and appealed to all kinds of market entity to increase aging service and market supply in different ways.Life insurance Company is an main support of aging system who can be an important supplement of social pension system.In this way,on the one hand,it could improve our aging service system,and relieve the pressure. On the other hand huge pension service demand could bring much profit for Life Insurance Company.In addition investing aging community has the permanent and stable characteristics. At the same time, expected return is more than average Insurance capital return which is corresponding to utilization principle of life insurance capital,so that it has benefit of perserving or increasing the value and the varity investing ways could reduce the risk of losses.This article aimed to have analysis on specific case of domestic life insurance capital using in aging community, recognize the probable risk in operation, reduce future losses by using related risk management measures, to provide definite reference for life insurance corporation decisions. The first part described the background of current aging market, and simply reviewed the existing research of the domestic and oversea.Then it introduced three methods of researching and pointed out the innovations and disadvantages of this thesis. In the second part, author elaborated the source of life insurance capital investment principle and related concepts of aging community. At the same time, it had an brief analysis on domestic current situation.The third part had the analysis on feasibility and necessity of life insurance investing to aging community. It described the advantages according to theoretical basis,policy support and practical significance.In the forth part, author had the comparation of current life capital investment cases,and had comments on advantages and disadvantages of the competition.The fifth part had recognition of the possible rick in life insurance capital investment from both macro and micro aspects.In chapter six is referring to the concrete experience of investment in aging community risk management in USA, Japan and Britain.In chapter seven,the author gave some suggestions for life insurance company in enteral management measure and external government management. The last part is the final summary for the whole thesis.