Professional Master’s Thesis Of Changsha University Of Science And Technology

Since the 18th National Congress of the Communist Party of China,the Central Committee of the Communist Party of China and the State Council have issued various policies and measures to promote the development of the elderly care service industry and comprehensively liberalize elderly care services,and the construction of the elderly care service system has achieved remarkable results.However,on the whole,my country’s elderly service market has not been fully activated.The uneven distribution of elderly care resources,the immature development of elderly care service models,and the serious homogeneity of services are still prominent,and the people’s elderly care service needs have not been effectively addressed.Satisfy.Relying on government power alone is not enough to meet the diversified and multilevel elderly care service needs of the elderly in the new era,and it is an inevitable choice for the supply force of elderly care services to be transferred from the government to the society.The infrastructure construction of elderly care services requires huge capital investment,and the project has a long payback period.With the development of the elderly care service market,the funding gap is increasing,and long-term financial subsidies cannot escape the current predicament:the development of the elderly care service industry.There is a huge capital demand for development,and there is a "blocking" point in financing.This paper takes the financing situation of elderly care institutions in Hunan Province as the research objective,and adopts the method of combining theoretical analysis,questionnaire survey and field investigation to analyze the problems existing in the financing of elderly care service institutions in Hunan Province.Firstly,this paper introduces the research background and related theories for discussion;secondly,through the design,distribution and collection of questionnaires to make a preliminary understanding of the financing of elderly care institutions in the surveyed areas in Hunan,and then analyzes Hunan based on the survey data and the actual situation of elderly care service institutions in Hunan The manifestations and causes of financing difficulties for senior care institutions.The main manifestations of the financing difficulties of Hunan pension service institutions are:high financing costs,narrow channels,insufficient total bank loans and high private lending risks.According to the survey,this paper believes that the financing difficulties of Hunan pension service institutions are due to the nature of quasi-public products,low resource utilization efficiency and high level of homogeneity of service content.Banks dare not lend due to the inability to provide mortgage guarantees for assets.Of course,there are also some corresponding policy backgrounds,which are the result of the combined effect of various factors.Therefore,this paper proposes:improving the development of elderly care service institutions;clearing the "blocking" point of financing and expanding financing channels for elderly care service institutions;the government establishes a benign interaction mechanism,reasonably manages and controls the financing risks of various financing channels and other specific suggestions to promote the financial development of the elderly care industry.Provide a good financing environment for the development of the elderly care industry.