中国已经实行计划生育政策20多年了,由于实施了计划生育政策,人口结构

发生了显著的变化,我国的家庭形式变为了 4位老人(夫妻俩的父母)、一对青年

夫妻和一个孩子的家庭模式,这样的话,老年人的比重在家庭中就占4/7,这就显

示着中国养老的严峻性。现在中国的现状是正处于未富先老的阶段,对于养老产

业来说,最大的问题就是钱的问题,因为我国的经济发展还负担不起如此快的老

龄化发展速度。特别是云南省这样的边疆省份,经济的发展相对比较落后,在解

决养老产业问题时必将面临更加缺钱的窘境,当然昆钢作为云南省省属重点企业,

收入在云南省内相对偏高,因此本文将以昆钢为案例,用渠道整合的营销理念,

为发展边疆的养老产业解决融资问题,即让养老产业得以发展,又可以让愿意参

与到新型的“银发产业”的投资者可以参与到这个市场。

本文先从理论上对我国国情下的养老出路进行分析,通过分析认为适用于中

国传统文化并且可以推广发展的养老模式是以居家养老为主线,借助政府的引导,

整合现有的资源,搭建养老产品融资平台,发展边疆的养老产业。

本文第一章是绪论部分,主要解决的是养老产业的背景等等情况,找到研究

养老产业的意义所在;第二章文献综述,对本文研宂内容的理论依据进行整理,

争取言之有据。第三章是对理论进行归纳及分析,用理论指导实践。第四章是分

析昆钢的养老现状并进行分析规划,并提出养老产品融资平台的搭建方案,一并

提出可研性报告。第五章则是对方案的结论进行总述并分析研宄的不足。

本文旨在通过昆钢养老产品融资微平台的搭建方案及可研性研究,探讨出一

条适用于云南省这种边疆省份的养老方案,并希望通过实践的检验,真正解决困

扰养老产业发展的资金来源问题,并给广大投资者延展出一条新兴的投资渠道。

并且总结昆钢养老产业中养老融资微平台的搭建经验,以此为试点,做到以昆钢

养老中心为原点,向东南亚地区辐射推广的目标。

关键词:居家养老,渠道整合,平台建设

ABSTRACT

China's family planning policy has been implemented for 20 years, due to the

implementation of the family planning policy, the population structure has undergone

significant changes, our family in the form of changes to the four elderly people (the

couple's parents), a pair of young couples and a child's family mode, in this case, the

proportion of older people in the family accounted 4/7,which displays the seriousness

of China's pension. China is running into the aging countries. Now the situation in

China is now in the stage of old before getting rich, for the pension industry, the biggest

problem is a question of money, because China's economic development but also can

not afford such a fast pace of aging. Especially in frontier provinces such as Yunnan

Province, the economic development is relatively backward, the pension industry in

solving problems will face the dilemma of more money, of course, Yunnan Province,

Kunming Steel as provincial key enterprises, income is relatively high in Yunnan

Province Therefore this article will Kunming Steel case, using the concept of integrated

marketing channels for the development of border areas to solve the problem of

financing the pension industry, which allow pension industry to develop, but also allows

willing to participate in the new silver industry investors can to participate in this

market.

This paper begins with the theoretical pension under way to analyze China's

national conditions, through analysis that applies to the Chinese traditional culture and

can promote the development of pension model is based on home care as the main line,

with the guidance of the government, the integration of existing resources, build

endowment product financing platform, Development of border pension industry.

The first chapter is the introduction, the main solution is the pension industry

background, etc., the study found the significance of the pension industry; literature

review chapter, the theoretical basis of the contents of this paper to organize, fight and

well grounded. The third chapter is to summarize and analyze the theory, using theory to

guide practice. The fourth chapter is to analyze the current situation Kunming Steel's

pension and analysis plan, and proposed pension scheme set up financing platform

products, together with proposed feasibility study report. The fifth chapter is the