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目前,中国正处于老龄化程度日益加剧的时期,社会养老基金缺口不断加大,已有的社会养老服务已不能满足人们的需求。而商业保险以其独具的经营优势,通过构建养老社区、开发新型养老产品方式,可以实现与传统养老服务业的融合发展,对于完善养老保险体系,促进商业保险资产负债结构调整以及产业链的延伸具有重要的意义。
At present, China is in a period of increasing aging. The gap of social pension funds has been continuously widened. The existing social pension services can no longer meet people’s needs. Commercial insurance, by virtue of its unique operating advantages, can be integrated with the traditional pension service industry through the construction of retirement communities and the development of new types of pension products. It is of great significance to improve the old-age insurance system, to promote the structural adjustment of assets and liabilities of commercial insurance and to the industrial chain Extending is of great importance.