寿险资金参与养老产业的模式、问题与对策【摘要】如今，中国早已步入了人口高速老年化的状况，国家要面对的养老金支出、国家福利补助、硬件设备支撑、社会救助等问题产生的重压不断提高。寿险的资金拥有长时间盈利、相对稳健的特征，能够提供养老产业长时间筹资的支持。寿险业跟养老服务产业有着相吻合的匹配程度，能够减轻国家养老重压，而大多数前人的探索方向主要是聚焦在寿险资金投资养老地产，忽视了寿险资金进入养老产业的其余路径及形式。所以本文首先对定义观点开始，讲解寿险资金和养老产业，确定寿险资金运用范围，对养老服务的三种模式划分，确定养老产业的范围与外延产业。再通过国内外具体案例，重点研究寿险业参与养老产业的各种路径及具体模式，并指出其中可能含有的问题，最后提出解决办法。【关键词】养老产业；寿险业；寿险资金The path, problems and Countermeasures of life insurance fund participating in the pension industry[Abstract] At present, China has entered the stage of rapid aging of population, and the pressure of pension expenditure, social welfare subsidies, infrastructure provision, social assistance and other aspects that the government is facing is gradually increasing. Life insurance fund has the characteristics of long cycle and relatively stable, which can meet the long-term financing needs of the pension industry. There is a natural synergistic effect between life insurance industry and pension service system, which can relieve the pressure of social pension. However, most of the previous studies only focus on the investment of life insurance funds in pension communities, ignoring other participation paths and modes. So this paper starts with the definition of the concept, introduces the life insurance fund and the pension industry, determines the scope of the application of life insurance fund, and determines the scope and extension industry of the pension industry from the three modes of pension service. Then through the...
