商业保险参与'医养结合'养老模式创新研究

摘要

近年来我国商业人身保险业务进入快速增长阶段,老龄化趋势的推进和传统养老体制下基本养老保险面临巨大的资金缺口.目前寿险市场上保险产品结构单一、专业型保险公司稀缺、运营模式不健全等不利因素影响,探索商业保险公司为主导的"医养结合"新型养老模式势在必行.通过建立E-Views计量模型,采用主成分分析法考察相关变量对结构方程贡献度,根据因子重要程度对养老服务社区区位选择进行规划,引导商业保险公司建立一体化养老社区;同时发挥互联网、云计算联网功能,整合医疗、养老资源,建立智能感知养老新体系,促进商业保险公司规模与职能的不断发展与完善.%In recent years,the business of commercial life insurance has grown rapidly.The primary reason is the process of aging problem combined with huge pension deficit.Besides,factors such as single product structure,lack of professional insurance company and defective operation pattern have forced market to explore new system to integrate medical and aging treatment together.By building econometric model through E-Views,it measures the correlation among variables which mainly contribute to the location choice of endowment community through principal component analysis.Encouraging insurance company to built integrate endowment community.Meanwhile it is necessary to apply internet and cloud computing to establish intelligent aged care system,in order to encourage commercial life insurance to participate in social adjustment and self-perfecting.