Research On The Development Of Insured Pension Communities In Chinese Mainland:Based On The Guangdong-Hong Kong-Macao Greater Bay Area

In February 2019,the Central Committee of the Communist Party of China and the State Council issued the "Guangdong-Hong Kong-Macao Greater Bay Area Development Plan Outline"（hereinafter referred to as the "Planning Outline"）.The release of the "Planning Outline" clarified the division of labor and positioning of cities in the Guangdong-Hong Kong-Macao Greater Bay Area.It also drew a blueprint for cooperation between Guangdong,Hong Kong and Macao in industries,technology,education and talents.In the development plan of the financial and insurance industry,it encouraged the establishment of a pilot zone for insurance innovation and development in Shenzhen,and continued to promote the financial markets of Shenzhen and Hong Kong.The interconnection and interoperability of Shenzhen and Macau continue to promote cooperation and innovation in specialty finance between Shenzhen and Macau,and support the cooperation of insurance institutions in the Guangdong-Hong Kong-Macao Greater Bay Area in the innovative development of cross-border insurance products,jointly develop new products,and improve underwriting and surveying.,Cross-border claims settlement services,provide a more complete service system for cross-border insurance customers,and support qualified Hong Kong and Macau insurance institutions to set up operating institutions in Shenzhen,Guangzhou,and Zhuhai.Since the beginning of the 21st century,the number of elderly people in the world has reached nearly 600 million,and the problem of population aging has become more and more serious.This is also a major issue facing the mainland,Hong Kong,and Macau both now and in the future.Nowadays,the problem of population aging in Hong Kong and Macao has become prominent,and the degree of aging is increasing.Based on the above-mentioned status,the elderly care problems of Hong Kong and Macao residents have become increasingly prominent.Cross-border elderly care has attracted the attention of the central government and the governments of Hong Kong and Macau.Guangdong-Hong Kong-Macao Greater Bay Area Under the background of the construction of the Guangdong-Hong Kong-Macao Greater Bay Area,how to vigorously promote the development of insurance pension communities in the Mainland to alleviate the shortage of elderly service supply so that Hong Kong and Macao residents can provide for the elderly are related to the well-being of Hong Kong and Macao residents and the "one country,two systems" system.A manifestation of advantages.This article first sorts out the domestic and foreign literature related to the research theme,expounds the development history and current situation of the insurance pension community in the Mainland under the background of the construction of the Guangdong-Hong Kong-Macao Greater Bay Area.Starting from the macro environment and the micro-environment,the development of the Guangdong-Hong Kong-Macao Greater Bay Area The advantages and reasons of the development of the inland insurance pension community under the background are analyzed.Secondly,through the distribution of questionnaires,the needs of Hong Kong and Macao residents for the insurance pension community in the Mainland were investigated.The survey shows that the elderly population in Hong Kong and Macau has a need to come to the mainland for the elderly.After that,we selected four insurance retirement communities in China,including Wutong Family in Shanghai,China Life Jiayuan in Beijing,Hezhong Younian in Wuhan,Taikang Home·Yueyuan in Guangzhou,and two retirement communities in Hong Kong and Taiwan as representatives.Three dimensions including service,market price,and development strategy are analyzed to compare and summarize the similarities and differences between the insurance pension community in the Mainland and the pension community in Hong Kong and Taiwan.Finally,from the perspective of the development of insurance and pension communities in the Mainland,this article puts forward suggestions for promoting the development of insurance and pension communities in my country in the context of the construction of the Guangdong-Hong Kong-Macao Greater Bay Area.There are three innovations in this article: First,this article puts the construction of insurance pension communities in the Mainland in the context of the construction of the Guangdong-Hong Kong-Macao Greater Bay Area to discuss the limitations and narrowness of the development of insurance pension communities in terms of insurance pension communities.Second,this article analyzes the impact of cross-border pensions on the pension industry in the two places,and broadens the perspective of insurance pension community research.Third,based on the unification of economic construction and people’s livelihood construction,it is proposed to incorporate the construction of inland insurance pension communities into the economic construction and people’s livelihood construction of the Greater Bay Area,and even demonstrate the advantages of the "one country,two systems" system.Disadvantages of this article: Guangdong-Hong Kong-Macao Greater Bay Area is a new bay area built in recent years,and there are· few references available.The author is not in-depth and one-sided when analyzing the problem;this article is only in terms of products,prices,and strategies.The analysis of the four insurance pension communities in the Mainland and the Hong Kong and Taiwan pension communities in this dimension is not in-depth;most of the conclusions in this paper are obtained through qualitative analysis,and there are few quantitative studies.