人口老龄化对现行的养老方式提出了挑战。公立机构和私立机构养老迅速发展起来,但与此同时,无论是公立还是私立的机构养老都存在着诸多的弊病和问题,这些问题得不到解决直接制约着社会化养老的速度和质量。因此,本文从解决我国社会养老问题,减轻家庭负担入手,就全新“投保式”养老商业模式的可行性进行了分析和研究。 The aging population poses challenges to the current mode of providing for the aged. At the same time, there are many shortcomings and problems in providing endowment for both public and private institutions. If these problems are not solved, they will directly restrict the speed and quality of socialized old-age care. Therefore, this paper analyzes and studies the feasibility of a new “insurance” pension business model from the perspective of solving the social pension problem in our country and alleviating the family burden.