人口老龄化视域下寿险企业参与养老产业的模式、困境与对策  

The Model,Difficulties and Countermeasures of Life Insurance Companies Participating in the Pension Industry from the Perspective of Population Aging

作　　者：胡芳 何逍遥 曹传碧[1] Hu Fang;He Xiaoyao;Cao Chuanbi

机构地区：[1]广西大学商学院,广西南宁530004

出　　处：《西南金融》2021年第8期38-49,共12页Southwest Finance

基　　金：国家自然科学基金项目“少数民族地区旅游产业低碳化转型的系统模式与绩效评价研究——以湘黔桂‘侗文化’旅游圈为例”(批准号:71861001)。

摘　　要：人口老龄化时代下,国家不断优化养老产业整体布局并鼓励各行业促进养老产业发展,养老产业迎来广阔的发展空间。在政策导向下,保险行业与养老产业融合成为趋势,寿险企业作为保险行业布局养老产业的主体已通过多途径参与养老产业并形成不同的参与模式。本文在梳理了寿险企业参与养老产业的三种模式及其运作机制的基础上,剖析在融合过程中寿险企业面临数据共享障碍、提供的养老产品服务与市场需求存在缺口和参与养老产业面临内外部因素制约的问题,提出寿险企业要利用保险科技赋能行业间数据共享、创新养老保险产品与增值服务满足需求扩容、加强企业内部风险管控与风险机制建设,政府可以发挥“中间人”作用、优化寿险企业养老产品服务的政策导向、监管实时营造公平合作环境,医疗、健康管理机构也要建立数据共享机制、明确医疗成本核算以完善医疗服务价格体系及加强自身建设来提高参与质量。In the age of population aging,the state continuously optimizes the overall layout of the pension industry and encourages various industries to promote the development of the pension industry,which has a broad space for development.Under the policy guidance,the integration of the insurance industry and the pension industry has become a trend.Life insurance companies,as the main body of the insurance industry's deployment of the pension industry,have participated in the pension industry through multiple channels and formed different participation models.On the basis of sorting out the three modes of life insurance companies participating in the pension industry and their operating mechanisms,this article analyzes the data sharing barriers faced by life insurance companies in the process of integration,the gap between the provided pension products and services and market demand,and internal and external factors that constraints the participation in pension industry.This article proposes that life insurance companies should use insurance technology to empower inter-industry data sharing,innovate pension insurance products and value-added services to meet demand expansion,and strengthen internal risk control and risk mechanism construction,the government should play the role of"middleman",optimize the policy guidance of life insurance companies'pension products and services,and supervise to create a fair and cooperative environment in real time,and medical and health management institutions should also establish data sharing mechanisms,clarify medical cost accounting to improve the medical service price system and strengthen their own construction to improve the quality of participation.

关 键 词：人口老龄化 寿险企业 养老产业 智慧养老 健康管理 医养结合 养老金融 保险科技 

分 类 号：F832.39[经济管理—金融学] F840.67