“医养结合”模式下履约保证保险参与民营养老企业融资机制研究

On Performance Guarantee Insurance Participating in Financing Mechanism of Private Pension Enterprises in the Combined medical care model

日益严峻的人口老龄化趋势给社会养老带来巨大压力,而“医养结合”新型养老服务模式协调社会养老、医疗资源为一体,可以有效解决老年人口养老问题。民营养老企业作为开展“医养结合”养老服务的市场参与主体存在融资困难瓶颈,而资金短缺的不良循环又进一步严重制约了其发展。商业保险产品中的履约保证保险可以作为解决民营养老企业融资担保风险问题的有效工具。本文基于民营养老企业融资的现状,对“医养结合”模式下履约保证保险参与民营养老企业融资路径进行设计,并针对存在问题,提出建立健全履约保证保险参与民营养老企业融资机制的政策建议。

The increasingly severe trend of population aging brings great pressure to the social pension,and the new pension service model of combination of medical care and pension can effectively solve the pension problem by coordinating social pension and medical resources.Private pension enterprises,as the market participants of the combination of medical and nursing care pension services,have financing difficulties and bottlenecks,and the bad cycle of capital shortage has further seriously restricted their development.The performance guarantee insurance in commercial insurance products can be an effective tool to solve the financing guarantee risk of private pension enterprises.Based on the status quo of financing of private pension enterprises,this paper designs the financing path for the participation of performance guarantee insurance in private pension enterprises under the mode of"combination of medical care and nursing care",and puts forward policy Suggestions on establishing and improving the financing mechanism of performance guarantee insurance in private pension enterprises according to the existing problems.