论保险公司和养老服务业的合作与发展  

On Insurance Companies and the Old-age Service System: Their Co-operation and Development

作　　者：祝向军[1] 董琳[1] 

机构地区：[1]南开大学风险管理与保险学系,天津300071

出　　处：《深圳大学学报（人文社会科学版）》2011年第2期58-62,共5页Journal of Shenzhen University：Humanities & Social Sciences

摘　　要：面对我国不断积累的人口老龄化风险,现阶段保险公司投资建立或者收购养老服务机构应当是保险公司和养老服务机构合作与发展的有效方式。在实施过程中收益和风险并存,保险公司必须依靠政府扶持和自身的资源、能力,规避一体化过程中存在的诸多发展障碍和经营风险,延伸保险服务突破保险业发展的瓶颈,更好地促进保险产业和养老服务业的协调发展。Faced with the constantly accumulated risk of aging population currently,it is an effective mode of cooperation and development between insurance companies and old-age service institutions for the insurance companies to invest in establishing and buying old-age service institutions.In the process of its implementation,benefits and risks co-exist and therefore,insurance companies must rely on both the governmental aid and their own resources and capability to avoid various obstacles and management risks and extend the insurance service chains so as to break through their development bottleneck and better promote a coordinated development of the two sides.

关 键 词：人口老龄化风险 保险产业链延伸 养老服务业 纵向一体化 

分 类 号：F842.0[经济管理—保险] F840.67