Research On The Development Of Endowment Business Of HZ Life Insurance Company

China's aging population is accelerating.Internationally,the aged over 65 are usually defined as old,while in China,those over 60 are called old.By the end of2016,the number of elderly people over 60 years old in China had risen rapidly,reaching 231 million,accounting for 16.7% of the total population of China,which also makes China the first country with a population of more than 200 million.The severe pension problem and the huge demand of the pension market have received continuous public attention.In recent years,China's pension problem has been considerably alleviated thanks to the influx of large amounts of capital into the pension market.This paper uses the literature research method,survey research method,comparative research method and other theoretical methods to connect the actual situation of HZ life insurance company's entering the endowment industry and carrying out the endowment business.Hope to provide experience and ideas for financial capital to carry out endowment business;At the same time,it is more desirable for life insurance companies to enter the endowment industry and carry out endowment business to promote the development of the current social security system in China and truly solve the endowment problem of some old people.This paper is divided into six chapters.The first chapter is the introduction.This paper mainly introduces the research background,research significance,research content,thinking method,and literature review at home and abroad.Chapter two introduces the development of the endowment business of HZ life insurance company and analyzes the internal and external environment.Chapter 3 describes in detail the approaches taken by HZ life insurance company to develop the elderly care business:investing in the elderly care community,purchasing mature domestic and foreign nursing homes,and carrying out residential care.Chapter four elaborates the problems of HZ life insurance company in the development of endowment business and analyzes them.These problems are not only external causes such as policies,concepts,systems and prejudices,but also internal constraints such as cost,investment,brand,product and talent.The fifth chapter of domestic and foreign life insurance companies pension industry layout,introduces the development of pension business,select taikang company at home,choose the United States and the Japanese life insurance companies in the world,through the introduction of the insurance company how to layout of the developed countries endowment industry,pension business,to discover a place is worthy of reference for HZ life insurance company.In chapter 6,based on the current situation of HZ life insurance company's development of elderly care business,combined with the existing problems and referring to the advanced experience at home and abroad,reasonable Suggestions are put forward.HZ to further the development of life insurance pension business,first of all,can't depart from the support of the government and the improvement of the policy system,secondly to optimize endowment business investment,broaden the investment channels,to achieve weight assets integration development path,in addition to optimization of insurance products,looking for a stable profit model,adhere to the path of combining medical keep,finally to make a scientific planning for the development of business,especially in the supervision system,talent cultivation,publicity and marketing.This article USES the literature method,survey method,comparative method and so on theory with practice,to HZ and analyzes the development of life insurance company pension business interpretation,to provide financial capital to carry out the pension business experience and ideas,at the same time hope that more life insurance company to enter the pension industry,to carry out the pension business,in order to promote the development of China's current social security system,the real part of the old man's endowment problem.