2021-12-24
Exploring the new trend of "providing for the elderly": release of China's blue book on elderly care services
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With the deepening of China's aging population, how to realize "providing for the elderly" has become one of the most concerned livelihood hotspots. On December 23, the blue book on China's elderly care services (2012-2021), jointly prepared by the aging Finance Branch of the Chinese society of Gerontology and geriatrics, the silver economy and health wealth index research group of Tsinghua University and everyone insurance group, was officially released at the special forum on "urban elderly care: New trend of elderly care" sponsored by the China News Agency Forum.
The blue book combs from four aspects: the basic problems of elderly care services, the demand for elderly care services, the supply of elderly care services and typical case studies at home and abroad, in order to provide reference for the formulation of elderly care services policies and enterprise development, promote social consensus and explore the ideal model that can best meet the elderly care needs of Chinese residents.
With the continuous advancement of China's urbanization, the elderly care needs of urban residents are gradually becoming a blowout. According to the report, in order to accurately identify the elderly care service needs of urban residents, a survey conducted by everyone insurance group and Tsinghua research group in 2021 showed that 77.5% of the respondents had considered the elderly care issue; Among the respondents whose parents are still alive, 82% have considered the pension of themselves and their parents.
In terms of cognition of pension mode, the respondents ranked in the top three for the advantages of urban pension are the life circle / social circle close to the city center / convenient life / convenient transportation, convenient for children / relatives to visit and familiar with. For the advantages of providing for the aged in the suburbs, the respondents chose the top three for good living environment, large living area and convenient transportation. In a comprehensive comparison, 83% of the respondents are willing to choose the mode of urban elderly care.
The blue book also points out that as Taikang Insurance, everyone insurance and other commercial insurance groups adapt to the consumer demand in the silver economy era, they carry out financial innovation, promote the closed-loop management of insurance, real estate, medical care and pension services, and realize the combination of pension insurance products and pension communities, thus forming a new pattern of pension finance, which is gathering to the core urban agglomeration.
In this context, the development of core urban agglomeration needs to develop strengths and avoid weaknesses. According to the blue book, core urban agglomerations have many advantages in pension undertakings and Industrial Development: the development of pension market can increase long-term asset allocation and promote the transformation, governance and sustainable development of capital market; The construction of elderly care community embedded in medical care can promote the development of health technology and silver hair industry; Promote the structural transformation of the employment market and form a new type of employment market suitable for both the young working population and the older working population; Drive the local government to transform old residential communities, vigorously develop elderly care communities, and meet the elderly care service needs of most residents. Thus, the sustainable development advantage of core urban agglomeration is formed, which is conducive to improve the national competitive advantage and promote the social development of external circular economy.
The huge potential of the pension service market makes the insurance industry see opportunities. The blue book points out that by the end of September 2020, 10 insurance institutions had invested in 47 elderly care community projects, with 84155 beds. This combination of "insurance products and elderly care services" has a "double-sided bonding effect".
On the one hand, among many annuity insurance products, consumers who choose such products, including young consumers, middle-aged consumers and elderly consumers, not only pay attention to the income and compensation methods of products, but also have a new preference, that is, pay attention to and compare the construction of pension community, so as to increase their own information ownership of pension community. In the research of the research group, it is found that the proportion of consumers with such preferences is very high.
On the other hand, insurance companies selling such insurance products not only pay attention to the dead difference, interest rate difference and fee difference of annuity products, but also pay more attention to the construction of pension communities and the cultivation of brands, and drive the sales of relevant insurance products around this brand. Once it has the brand effect of "one bed is hard to find", the value and market of pension related insurance products will increase.
The blue book said that at the same time, insurance groups selling such products have generated internal synergy and external competitiveness under the attention of rational consumers. The development concept within the group is highly unified, the development strategy is gradually clear, the goal of resource integration is clear, the brand and chain effect are stronger and stronger, and the market competitiveness is rising rapidly. In China's elderly care service market, there are rational supply and demand sides, so as to improve production efficiency and reduce consumption choice cost, and reduce the wealth loss in the era of low income to a certain extent.
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