寿险产业链延伸的方向与对策

The Extension Orientation and Countermeasure of Life Insurance Industry Chain

人口老龄化、基本社会保障的不足及政府鼓励民间投资养老社区和"以房养老"政策的试点给商业养老保险产业链延伸提供了有力的外部环境。将寿险产品与实体养老服务将结合,对均衡寿险业务结构、优化资产负债匹配和寿险业竞争力具有一定意义。建议大型寿险公司通过进军养老社区延伸产业链,中小型寿险公司通过社区养老、居家养老模式或在农村建立养老社区延伸产业链。

The aging of the population and the inefficiency of social insurance and the support policy of housing reverse mortgages supply a healthy environment to the extension of life insurers＇ chain. The combination of life insurance product and entitative pension service is good to the optimization of product mix, assets liability management and the improvement of competitiveness. We suggest large life insurers extending industry chain by investing the old - age community, small and medium life insurers extending industry chain by combining the life insurance product with the community home care services.