保险学-寿险资金参与养老产业的路径，问题与对策

寿险资金参与养老产业的路径、问题与对策摘要：随着我国老龄化的现状不断加剧，老年人口持续增长，养老产业囊括了传统意义上的第一、二、三产业，逐渐成为备受关注的新兴产业。我国商业保险近年来受到政策扶持和经济环境的影响，保费年收入已达四万亿，具有庞大的资金储备，其中寿险资金占据了商业保险保费收入的大部分，但投资收益率水平却常年较低。在养老产业迅速发展亟需资金的当下，寿险资金介入养老产业无疑可以促进养老产业发展，有效缓解老龄化社会的压力，同时也能提升自身投资收益率，实现共同发展。目前国内相关领域研究仍存在空白。本文从寿险和养老产业的基础理论出发，对国内外前人研究进行归纳总结，阐述当前寿险资金介入养老产业的现状，从中发现问题并提出相应的解决方案，以期为后续相关研究和实践提供参考。关键词：寿险；养老产业；投资路径The path, problems and Countermeasures of life insurance fund participating in the pension industryAbstract: With the current situation of China's aging and the continuous growth of the elderly population, the pension industry includes the first, second and third industries in the traditional sense, and gradually becomes a new industry of concern. In recent years, under the influence of policy support and economic environment, the annual premium income of China's commercial insurance has reached 4 trillion, with a huge capital reserve, in which life insurance funds account for the majority of the premium income of commercial insurance, but the level of investment return is low all year round. With the rapid development of the pension industry, it is necessary to invest life insurance funds in the pension industry, which can undoubtedly promote the development of the pension industry, effectively alleviate the pressure of the aging society, and improve the return on investment to achieve common development. At present, there is still a gap in the research of related fields in China. This paper summari...