Interpretation of "Home Pension White Paper" ① ｜ "New" home care for home care: a new model with family as the core, community -based, professional service,

Southern Finance All Media Reporter Zheng Jiayi Beijing report

Population aging has been recognized as one of the major world social issues in the 21st century.

The seventh national census data shows that the population of 60 and above in my country is 2640.2 million, accounting for 18.70%, an increase of 5.44%compared with 2010. According to the prediction of the Ministry of Civil Affairs, during the "Fourteenth Five -Year Plan" period, society will enter from mild aging to moderate aging; after five to ten years, the first generation of only children of our country will enter the middle and older. Essence

In February 2022, the State Council issued the "Notice of the Development and Planning Service System Planning of the Fourteenth Five -Year Plan" of the Fourteenth Five -Year Plan ", which pointed out that while the aging process is accelerating, the demand structure of the elderly is changing from survival type to development. There are still problems such as inadequate development of pension services.

A few days ago, the "White Paper" (hereinafter referred to as the "White Paper") by the 21st Century Economic Herald and the joint production of China Ping An Life Insurance Co., Ltd. (hereinafter referred to as "White Paper"). Data show that the degree of aging in my country is still deepening, and there is still a certain gap in the pension industry in terms of manpower and financial resources. In the future, the prospect of the home economy market economy is broad.

There are significant differences in the elderly groups in our country

The "White Paper" said that at present, my country's population aging is serious, and there are the characteristics of large population size, fast aging process, obvious urban and rural differences, and improvement of the quality of the elderly.

First, the aging scale is large and the process is fast; the second is that it is not rich first, and the pressure of social care is high; The degree ofization will continue to deepen.

The Ministry of Civil Affairs predicts that during the "Fourteenth Five -Year Plan" period, my country will enter a moderate aging society from mild.

In terms of scale, my country's elderly population is large, with a population of 60 and over 2640.2 million, accounting for 18.70%of the total population, an increase of 5.44%compared with 2010, and an increase of 7.67%compared with 2005. From the perspective of growth, the growth rate of the aging population in my country is higher than the world average. According to the United Nations data, between 2000 and 2010, the average population growth of the world (except China) is 1.1%, developed countries are 2.3%, developing countries are 0.7%, and China The data world has a growth value of 2.5%, 3.9%in developed countries, 1.7%in developing countries, and 5.4%in China.

There is still a certain gap in the pension industry in terms of manpower and financial resources

Although the central and local governments are actively exploring a new model of pension adapters to local conditions, the pension industry still has a certain gap in both financial and manpower.

In terms of financial resources, my country's pension is expected to have a certain gap in the future. In 2020, the "Third Pillar Research Report on the China Pension" issued by the China Insurance Industry Association pointed out that in the next 5-10 years, China is expected to have a pension gap of 80,000 to 10 trillion, and the gap will be pushed over time over time. Further expansion.

Zhu Junsheng, Research Director of the China Insurance and Pension Research Center of Tsinghua University Wudaokou Financial College, pointed out that at present, the Chinese pension system still has insufficient total assets, structural imbalances, large sustainable pressure on the first pillar, and relative development of the second and third pillars. Outstanding issues such as lag. Zhou Weibing, a professor at the School of Insurance, Central University of Finance and Economics, also pointed out that the personal pension system will provide investors with greater efforts and benefits when purchasing commercial pension products.

In terms of manpower, there is a certain gap in professional nursing staff in my country's elderly industry, and the maintenance needs of the elderly do not match the number of nursing staff.

At present, the elderly population base is large, the growth is fast, the aging and empty nestization trends are obvious, and the proportion of disability and semi -disabled elderly people who need to take care of the elderly. At the same time, due to social cognition, salary level, and work intensity, the pension care practitioners have always had the phenomenon of low academic qualifications and insufficient skills. Essence

Based on this, the "Fourteenth Five -Year Plan" outline clearly proposed that it will vigorously develop inclusive pension services and build a pension service system that combines the coordination of the home community institutions and the combination of medical care and health care. For example, to support the new formats such as the Internet+pension, property+pension, medical health+pension, the full coverage of all urban and community pension service facilities will be achieved by 2025, forming the community's "one -hour bell" home care service circle.

Home Pension Market Economy Prospects

"White Paper" said that with the continuous expansion of the elderly population, the consumption potential of the elderly population in my country will continue to rise in the future.

According to the price of 2010, from 2017 to 2020, the total consumption of group consumption of the elderly population in the country was about 3.3 trillion yuan to 4.8 trillion yuan; the total consumption of the elderly population in 2030 was about 1.2 trillion yuan to 155,000 to 155,000 yuan to 155,000 yuan The ratio of 100 million yuan, the ratio of the national GDP to 8.3%to 10.8%; in 2050, the total consumption of the elderly population in 2050 was about 40 trillion yuan to 69 trillion yuan, the ratio of the national GDP increased to 12.2%to 20.7%.

"White Paper" stated that about 78%of the elderly in the survey sample lived with their families, chose a familiar and comfortable environment, and realized home and community pensions at the "door of the house"; 20%of the elderly lived alone, and there were 2 other 2, another 2, another 2, another 2, another 2, another 2, another 2, another 2, another 2, another 2, another 2, another 2, another 2, another 2, another 2. %Of the elderly live in other environments.

It is worth mentioning that "professionalism" has become a common demand for all interviewees. If the interviewees who favors the elderly career are mentioned, they hope to make the family in accordance with the standard configuration of the nursing home for the aging renovation, and at the same time provide on -site services by professional institutions; the respondents who choose community pensions also hope that community pensions will also improve the professionalism of the nursing staff. Improve intelligence level. In the choice of pension institutions, the interviewees will focus on the improvement of medical equipment and the number and professionalism of medical staff. Compared with the self -built hospitals in the suburbs, it can only meet basic medical services, and the pension institutions close to the Trina Comprehensive Hospital are more popular with interviewees.

New models with family as the core, community as the support, and professional service are gradually formed

The National Health and Health Commission disclosed in 2021 that the elderly choices of most elderly people in my country are concentrated in home and communities. Among them, about 90%of the elderly choose home care for the elderly, and about 7%of the elderly rely on the community to support pension. 3%of the elderly chose to go out of the house and stay in professional pension institutions.

"White Paper" said that with the development of the industry, the barriers between the above three models have gradually melted.

In the traditional pension model, family, government, and market institutions are clear service subjects; and in the process of aging, the above models can no longer take into account the complex needs of the elderly on many dimensions such as emotions, facilities, services, funds, etc. The new model of the supply main boundary and the comprehensive pension resources of the society emerges.

Take home care as an example. Today's "home" is no longer a "family pension" supported by children's stereotypes, but a new model that comprehensively compose various types of resources in the society with the family as the core, the community as the support, and the professional service. At the same time as the elderly, the society provides it with the main content of solving daily life difficulties.

For example, Beijing issued the "Beijing Home Pension Service Regulations" in 2015, which requires the community to provide the elderly with exclusive dining tables, fixed -point catering, buffet catering distribution, open unit cafeteria and other dining services, medical examinations, medical, nursing, rehabilitation and other medical care Health service.

In recent years, in the vigorous development of the pension market, many insurance institutions, as a professional market forces, rely on their unique advantages in resistance to longevity risks, accumulating pension wealth, and building service ecology. Enter the pension market.

The "White Paper" said that at present, the insurance demand in pension is the payment demand for living expenses, and the second is due to the payment of medical care expenses generated by the decline of physical function. While professional insurance institutions meet the above -mentioned funding needs, they can also screen and integrate market resources as a payment party to remove rough deposit, so that professional and high -quality pension services and medical and health resources can be effectively allocated.

In the market institution, Ping An of China has continued to upgrade the medical and health ecosystem strategy. In recent years, it has proposed to create a "Chinese version of the United Health", and innovatively launched the group management medical model with "HMO+Family Doctor+O2O" as its core. Among them, "HMO" combines medical services with insurance, and provides high -quality, cost -effective, and full life cycle medical health services through the "Ping An Zhen Enjoy RUN" health service plan. The team's self -built full -time doctor team, and the strong medical service capabilities brought by the independent AI auxiliary diagnosis and treatment system, equipped with an exclusive family doctor for each customer; Health service supplier resources, covering four major scenarios: health management, disease management, chronic disease management, and pension management.

"White Paper" said that Ping An Life China can rely on the above -mentioned group's medical and health ecosystem advantages to screen and integrate integration resources to provide high -quality services for home care customers. If you provide "1 exclusive butler": 1 pension housekeeper joins hands with N expert consultants to dynamically build customers' own exclusive pension service solutions; "10 major service scenarios": rely on the group's medical ecology and scientific and technological advantages, integrate "medical, food, and food Living, Xing, Cai, Kang, Yang, Music, Music, and Ann "ten major scenes;" 1 set of supervisors ": By supervising the quality of supervision, representing the elderly supervise the service process, fully protect customer rights and interests.

According to Yang Yan, secretary of the Party Committee and Chairman of Ping An Life, Ping An integrated the above 10 major scene services and built a home -care first -station proposal solution covering the full life cycle. At present, the construction of the 8 major scenes has been completed. City carried out business.

(Manuscript coordination: Ma Chunyuan)

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