Research On The Operation Mode Of TK Insurance Company’s SeniorRetirement Community

China has entered an aging society on the basis of relatively underdeveloped economy,The social pension problem caused by the aging population has become one of the most urgent problems in our country.Traditional pension institutions are difficult to meet the increasing demand for old age,the supply and demand of old age resources do not match each other,Relying on the government to expand the pension service and purchase pension services will not solve the elderly’s pension problems.The old-age community is a new thing that emerges with the development of the aging society.In the background of the aging of the population,it has a better development prospect.The participation of insurance companies in the pension community can not only increase the supply of old-age care services,but also alleviate the contradiction between the supply and demand of social care.It can also increase the return on insurance funds and promote the effective extension of insurance industry chain.Therefore,it is of positive significance to study the operation of Chinese insurance institutions in the pension community.In this paper,using the method of literature research,comparative research,field research and case method.Through the example of TK insurance company’s operation of the aged community,To study the operation status of the pension community of TK insurance company,from the perspectives of market positioning,functional planning,product design and investment,operation and profit model,In this paper,the problems such as incomplete profit model,high management cost and incomplete fund exit mechanism are analyzed.And learn from the experience and revelation of American and Japanese pension community operation,Put forward four countermeasures for the operation of the pension community of TK insurance company in China:(1)strengthen government policy implementation and supervision;(2)improve the operation mode of the pension community,(3)innovative old-age product design;(4)improve the service of the elderly community;To help insurance institutions to clarify their investment objectives,operational methods,experience strategies and future development direction.