【作者】 孙蕾；

【导师】 姚梅芳；

【作者基本信息】 吉林大学 ， 工商管理硕士（专业学位）， 2019， 硕士

【摘要】 近年来我国保险业持续健康发展,原保费收入不断增加,2018年保险业原保险保费收入38016.62亿元,同比增长3.92%,可运用资金余额超16万亿元。目前保险业超过70%的资金来源于长期寿险业务,但在保险资金的运用方面却仍主要集中于债券、银行存款等短期投资渠道,“长钱短配”现象严重。为实现险资公司资产端和负债端的动态平衡,提高企业收益率,寻求长期稳定的投资途径已成为保险公司经营的新课题。与此同时我国进入老龄化社会,老年人口数量与老龄化速度远超欧美等发达国家,给我国现行的养老服务体系带来了很大的负担。且老年人常常伴有各种健康问题,需要专业的医疗服务和护理服务,传统的居家养老不能满足这一需求,这意味着养老社区有很大的发展潜力。建设养老社区需要长期、稳定的资金来源,这与保险资金一直以来所寻求的投资途径不谋而合。险资投资建设养老社区不仅可以助力社会养老服务体系,还可以扩展险资投资渠道,延长寿险产业链,带动公司的整体发展。本文对合众人寿养老社区业务的发展战略进行研究,在全面介绍其发展现状的基础上,运用PEST分析法和波特“五力”模型对其面临的外部环境进行分析,同时对其发展的内部条件进行探讨。以武汉优年养老社区为例进行详细说明,总结出目前合众人寿养老社区业务发展所面临的一些问题。合众人寿立志于打造以机构养老为核心的复合型养老社区,为老年人设计“定制式”的健康管理服务。在明确此发展目标的基础上,运用SWOT分析法列明合众人寿养老社区业务的优势、劣势、机遇与挑战,通过比较实施各种竞争战略的可能性最终确定差异化集中战略为合众人寿养老社区业务的竞争战略。将客户群体主要集中在中产阶级身上,为客户提供非标准化的包括机构养老、休闲疗养、旅游观光等一体化养老服务。制定行之有效的发展战略实施措施,从养老社区的选址与设计、提供差异化服务和创新商业模式等方面给出意见建议,促进合众人寿养老社区业务的健康快速发展。同时为了更好地保障合众人寿养老社区业务发展战略的实施,公司应该加强人才、资源、运营模式等方面的建设。目前我国险资投资专业养老社区之风刚刚兴起,现有的研究文献相对较少。合众人寿投资建设养老社区起步早,对其发展战略进行系统性的研究,有利于为其他主体参与投资、建设和运营养老社区提供建议和参考。本文从中国现阶段的国情出发,探讨了保险资金投资养老社区的基本发展战略,对我国养老服务业的发展具有一定实践价值。更多还原

【Abstract】 In recent years,with the continuous and healthy development of the insurance industry in China,the original premium income has been increasing continuously.In 2018,the original insurance premium income of the insurance industry was RMB380.662 billion,an year-on-year rise of 3.92%,and the balance of available funds exceeded RMB16 trillion.At present,more than 70% of the funding source of insurance industry comes from the long-term life insurance business,but in terms of the application of insurance funds,it is still mainly concentrated in short-term investment channels such as bonds and bank deposits and so on.The phenomenon of "long money short allocation" is serious.In order to achieve the dynamic balance between the asset side and the liability side of the insurance company,improve the rate of return of enterprises,and seek a long-term and stable investment process have become a new topic for the insurance company.Meanwhile,China has entered an aging society.The number and aging speed of the elderly population extremely exceed those of developed countries such as Europe and the United States,which has brought a great burden to the current pension service system in our country.Moreover,the elderly are often accompanied by various health problems and need professional medical services and nursing services.The traditional home-based pension can not meet this demand,which means that it is great potential for the development of the community nursing service.The construction of the community nursing service requires long-term and stable funding sources,which coincides with the investment process that insurance funds have been seeking.The construction of the community nursing service invested by insurance funds can not only help the social pension service system,but also expand the investment channels,extend the life insurance industry chain and promote the overall development of the company.This paper studies the business development strategy of the United Life’s Community Nursing Service.On the basis of a comprehensive introduction of its development status,PEST and Michael Porter Five Forces Model are used to analyze its faced external environment,while it discusses the internal conditions of its development.Author use the current situation of the United Life’s Community Nursing Service in Wuhan as an example,it summarizes some problems faced by the United Life’s Community Nursing Service in the business development at present.United Life is committed to building a composite community for the aged,with institutional care as the core,to design "customized" health management services for the elderly.On the basis of defining this development goal,the SWOT analysis is used to illustrate the advantages,disadvantages,opportunities and challenges of the United Life’s Community Nursing Service.By comparing the possibilities of implementing various competitive strategies,the differentiation centralization strategy is finally determined as the competitive strategy of the United Life’s Community Nursing Service.The United Life’s Community Nursing Service is mainly concentrated on the customer group of the middle class to provide them with non-standardized integrated pension services including institutional pension,leisure and convalescence,go sightseeing and so on.To formulate effective measures to implement the development strategy and give suggestions on the location and design of the community nursing service,the provision of differentiated services,and the innovation of business models,etc.,so as to promote the healthy and rapid development of the United Life’s Community Nursing Service.At the same time,in order to better ensure the implementation of the business development strategy of the United Life’s Community Nursing Service,the company should strengthen the construction of talents,resources,and operation mode and so on.At present,the trend of professional pension community for insurance investment in China is just emerging,and the existing research literature is relatively less.The early start of the construction invested by the United Life’s Community Nursing Service and the systematic study of its development strategy,which will be helpful to provide suggestions and references for other main subjects to participate in the investment,construction,and operation of the community nursing service.Starting from the current situation of China,this paper explores the basic development strategy of insurance funds investing in the community nursing service,which has certain practical value for the development of the community nursing service industry in China.更多还原