“以房养老”政策给我国保险行业带来的机遇和挑战

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1、-------AbstractWithChina’sacceleratedagingpopulation,“HousingEndowment”policy,releasedasanewwaytoeasethepensionpressure,attractsmoreandmoreattention.Itisexpectedtobeputintoeffectinthenearfuture.Asatraditionalinstitutiontoprovidepensions,insurancecompanyplaysanimportantroleinth

2、ehousingendowmentmarket.Ifsuccessfullyoperated,thispracticewillnodoubtbringenormousopportunitiestoinsuranceindustry.Meanwhile,becausehousingendowmentbusinessisnewinChina,wearelackofenoughexperienceandtherewillbemanyproblemsfortheinsurancecompanytoovercome.Basedontheinsurancein

3、dustry,thispaperisconcentratedonthemodeofhousingendowment.Itanalyzestheadvantagesofinsurancecompanyinthehousingendowmentmarkettoillustratetheopportunities.Throughtheanalysisofpossibleobstaclesandrisksinsurancecompaniesmayfaceinthisnewbusiness,itclarifieswhatthechallengesareand

4、howtoovercomethem.Inaddition,learningfromforeignsuccessfulexperience,thispaperdiscussesthebusinessstrategyconceptionforinsurancecompanytodevelopthisnewproduct,includingpromotingsteps,operatingmodeandthedevelopmentofrelatedproduct.Itstrivestohavecertainreferencevalueforeasingou

5、rpensionpressureaswellastheinnovationofourinsuranceindustry.Keywords:ReverseMortgage,Insurancecompany,RiskAnalysis-----------目录第一章绪论................................................................................................................11.1选题背景和意义......................

6、..............................................................................11.2国内外文献综述....................................................................................................31.3特色创新................................................................................

7、.................................51.4论文结构................................................................................................................5第二章保险行业参与以房养老业务的国际经验......................................................62.1国外以房养老业务的主要模式................................

8、.............................................62.1.1美国以房养老模式..