Research On Investment Of China Life Insurance Company In Pension Community

The problem of population aging is becoming more and more serious,which has not been effectively solved in our country for a long time.Especially in recent years,the emergence of "two-child policy" and the steady development of national economy "good and fast" have aggravated the contradiction between supply and demand of old-age care in our country.The acceleration of aging,the imbalance of aging structure and the imbalance of regional aging have brought tremendous challenges to China's economic development and social security.In the great process of realizing the goal of "two hundred years" in our country,it is a problem that every pension service-oriented enterprise should seriously consider and face to carry out the multi-dimensional allocation of resources and the effective supply of product services in the healthy pension industry.Among many service-oriented enterprises,life insurance companies have the unique advantage of abundant funds,but their investment is restricted by many factors.Therefore,investing in the old-age service industry has become a win-win investment field with both livelihood significance and broad prospects for life insurance companies in the new era.Especially the issuance of the new Insurance Law has opened the door for life insurance companies to enter the realty investment field to a certain extent,which has also led some life insurance companies to try out the old-age industry projects.This paper explores the purpose of life insurance companies to invest in pension community.It takes China Life Company as an example to elaborate the feasibility of life insurance companies investing in pension industry.On this basis,it puts forward effective strategies to improve this investment behavior.Basedon the situation of aging population in China and the contradiction between supply and demand,this paper analyses the feasibility of life insurance companies investing in pension communities.Combining with the current situation of the development of the old-age community in China,this paper makes a thorough analysis from the four aspects of the advantages,disadvantages,opportunities and challenges of life insurance companies' investment in professional old-age community,and takes China Life Company's investment in Haitangwan old-age community in Sanya as an example to illustrate the planning principle of life insurance companies' investment in the old-age industry.The situation of Nianhe's location,market positioning,product design and business model will provide suggestions and references for life insurance companies to actively invest in,build and operate pension communities,so as to promote the development of China's pension industry and improve the construction of social pension system.The first part of the article outlines the background,significance,framework and related research status at home and abroad.The second part combs and summarizes the current situation of population aging in China based on theory,and analyses the feasibility of life insurance companies' involvement in the old-age community.The third part discusses the advantages,disadvantages,opportunities and challenges of life insurance companies in investing in pension communities through SWOT analysis.The fourth part gives an example of China Life Investment in Haitangwan Pension Community in Sanya,and makes a detailed analysis of the operation mode and profit model of the project.The fifth part gives the risk and strategy of life insurance companies investing in the aged.