因应老龄化社会的保险商品探析  

Research on Insurance Products of Aging Society

作　　者：郑晓玲[1] 

机构地区：[1]海南经贸职业技术学院,海南海口571127

出　　处：《湖南财政经济学院学报》2013年第1期80-85,共6页Journal of Hunan University of Finance and Economics

基　　金：海南省教育厅2012年规划立项课题"海南特区保险人才培养模式研究"(项目编号:Hjsk2012-110);国家骨干高职院校建设项目"国家骨干高职院校投资与理财专业金融保险方向建设"(项目编号:教育部2010年27号)阶段研究成果之一

摘　　要：中国老龄人口数量大,人口老化速度超前于经济发展,因应老龄化社会的保险商品需求持续增加。特别是年金保险、长期看护保险商品的创新与发展,将成为解决人口老龄化问题的关键。但我国存在老龄化保险市场份额偏小、税赋优惠诱因较低、保险需求开发不足、保险发生率评估信息缺乏等问题。应组建研发团队,推动保障型及年金保险商品施政计划;引进国外新型态保险商品,实施税赋优惠,重视风险评估在精算实务中的应用,强调信息披露,积极发展因应老龄化社会的保险商品。China＇s aging population is very large, and ageing speed ahead of economic development and demand of insurance com- modity of aging society has continuously increased. Especially, the innovation and development of pension insurance and long - term care insurance products will be the key to solve the problem of aging population. But there are many prob- lems in China such as smaller market share of aging insurance, low tax preferential incentives, insurance requirements development, lack of insurance rate evaluation information and other issues. We should set up research team and devel- op safeguard and pension insurance commodity policy plan, introduce a new type of insurance goods, implement tax con- cessions, pay attention to the risk assessment in actuarial practice application, emphasize on information disclosure to actively develop insurance products of aging society.

关 键 词：老龄化社会 年金保险 长期看护保险 保险商品 

分 类 号：F840.4[经济管理—保险]