Accelerated aging of the population is currently a common issue facing the world, especially for the In order to better explore the Chinese financial institutions in improving the elderly support system, development of new health pension industry in the process of how to play a greater role, newspaper and Taikang Life Insurance Company has co-sponsored by the - Aged Community industry seminars. Financial News editor in chief of Song Fu Liang opening speech, Chen Tung-sheng, Chairman and CEO Taikang Life, Vice Mayor Zhu Jianjiang Chongming County, Shanghai, Xiamen University, director of the Center accounting development seminars such as Qu Xiaohui gave the keynote speech, Executive Director Taikang Life House and Tai Ting Liu Jun, CEO presided over the seminar.
the meeting, from government departments, financial sector, universities, welfare agencies of the three dozen experts around the to Paradise - the insurance business model innovation, The participants reached a consensus: the development of the economic base and the context of aging, retirement community industry, the rise of the basic conditions have been met, but the industry needs appropriate policies to promote long-term financial support, but also need to leveraging Insurance Business Model Exploration and Innovation.
retirement community industry is difficult
but the future with a bright future
Beijing Meeting Chairman Ma Jian Chen apartments for the elderly that, as a practical person in the retirement services industry, the overall feeling is difficult, very difficult. The difficulty and complexity of the industry, more than I've seen all the services. The first difficulty comes from the lack of policy and legal environment. Legal norms, this is basically a blank area of the domestic nursing home's basic taxonomy is not clear. Daycare center, nursing homes, elderly apartments, representatives of these different names is what the back should be in accordance with the norms of what was built, what standards of service, staff on how with a series of specifications are not, we feel completely relying on their own in do. The second difficulty comes from the inadequate policy support. Pension industry needs at this stage is the Government's strong support, but now the policy of this little, or not to implement some of them. Pension industry, the most difficult is that it involves much more than the government departments of all other service industries. Nursing homes for the elderly the most basic of medical services is to ensure that food and accommodation line. Housing and real estate involves all relevant government departments. Health care, health departments and people involved in security sector. We applied for a year and a half, the infirmary of the social security problem has not resolved, many elderly people left us because of this apartment.
from a practical business point of view, difficulties and obstacles is also reflected in the following aspects: First, the current effective demand is limited. Beijing is now over the age of 60 about 260 million, but do be able to stay at the pension sub-sector will find a very low percentage. For example, we now live in apartments for the elderly Healthy 74 years the average age of the elderly, care type is 84 years old. If this age estimate by a large number of elderly people out on the screen. Meanwhile, the effective demand also affected by the limitations of traditional values. In traditional Chinese culture, the elderly live in nursing homes showed that children are not filial. The concept of change takes time, so they limit the number of people. Another limitation is the ability to pay. For now, the elderly into the commercial sector pension costs are personal commitment, there is no government funding, no insurance, support, thanks to undertake individual or children, the actual capacity to pay, not many people. Secondly, in the operating level, the difficulty is how to build the community service team. In fact, I am not worried about people on the pension community needs, and policy improvement, as can be certain that there will be a lot of progress after five years. However, the construction teams will be our major challenge continues to face, because now no one wants to make pension services industry; even if you pay high returns, and few people are willing to do. From the social status, skills, complexity, and the social pressure to bear the pressure and service for the elderly point of view, the industry's service pressure is very great. Moreover, the profitability of pension community is not high, the actual treatment can not give our employees a very high because the costs can not pass out. So how to build a stable service team is a big test for us, is still groping in the process.
Therefore, in the short term, 5 to 10 years, I was relatively cautious in this industry; but in the long run, this is a sunrise industry, we are still very optimistic. Because old-age security is no way to avoid a problem. Now the Government in planning, such as Beijing that This gives you an idea into the future, not all nursing homes, because the number of beds is definitely not enough. The long term, with the policy in China, more and more rich people get older, they will become effective demand potential demand. It is also important that we adhere to the present cause.
elderly welfare organizations in Taiwan, said Chen Minxiong Association, the mainland some of the current situation of pension industry, Taiwan has experienced, but is a little different, and Taiwan's regulations on the elderly community is very clear. Different types of institutions need of manpower, space and related facilities are not the same standard. Such as nursing home care workers and the elderly ratio is 1:5, 1:3 conservation center, a nursing home is 1:15, very strict regulations. Mainland China has no such clearly defined, of course, will bring some difficulties. However, the other hand, provides as much as Taiwan, sometimes difficult because of the commercial opportunities for restructuring and innovation, much smaller. Policies and regulations do not go so fast, the industry needs a break in the early stages of development and growth of the space, the policy also needs to gradually mature.
retirement community is intended to provide for the elderly to meet his needs at different stages of life, the environment, to the aging process, each stage can have sufficient life skills. Pension business, with a strong social welfare itself, the color, the community has a huge demand for old-age needs of the industry will be the industry. This must be based on public policy, government, and entrepreneurs, we only have to link up government resources and business, focusing on friendly and caring, respect humanity, to provide a complete fine old appropriate care, pension industry to really develop.
innovative commercial insurance will
more people enjoy the old-age life of the community
Professor, Capital University of Economics Department of Insurance Tuo Guozhu that from the pricing point of view, relying on the service charge is difficult to support such a community endowment funds into large, long return period of the industry. This issue involves two aspects. On the one hand the industry a huge amount of investment required, need long-term financial support, which is not in doubt. Features from the industry perspective, investment in pension insurance funds for the community, and is currently the major insurance companies already have such strength. From the insurance funds and assets and increase the value point of view, such an investment is feasible. Broaden the channels for the use of funds after the intervention of the insurance money is not the policy obstacles. Therefore, the supply side or from the investment point of view, there are institutions set up with the strength of the industry. On the other hand is related to ability to pay the demand side, the effective demand problem. Old-age security has experienced the third stage, the survival period from the original status of the general kind of old-age social security provided by nursing homes, retirement communities and then to three different levels. Now people from the original old-age pension has begun to track, began to pursue a more decent and more dignified way of pension, but the limited ability to pay, retirement community for many people, is still elusive; potential demand is large, but insufficient effective demand.
the pension community against a source of funding problems and the potential demand into effective demand for real problems, insurance companies are promising, as long as the advance planning and constant innovation to meet the needs of the elderly to provide insurance products and services. If existing pensions alone, most people can not enter the pension community. The social pension insurance and by the combination of commercial insurance to the elderly can increase the capacity to pay ordinary, so that the original people who rely on Social Security old-age pension can also enjoy community life, and now some of life insurance and pension should be ahead of the design community convergence products. For example, a man age from 30 to buy the product, pay 1 million a year, or 2 million premium, most people still have this ability. 30 years after the annuity can receive the threshold into the community? What kind of premium level, from which age insurance after the start, will receive a pension check the amount of such communities can support? These insurance companies need to advance design. Also, elderly people of different ages have different needs, for example, the need of elder care, life circumstances can not take care of themselves and how much entry fees and service charges? Insurance companies should be designed to interface with them the appropriate product. Or to own property as collateral, to pay premiums to stay as a retirement community like this, to the Housing Endowment.
Shangshao Mei, Peking University School of Nursing professor
proposed that in the elderly care, the nursing profession has its own advantages lot of room. Community care is not only a basic life care, more specialized care to emphasize that this philosophy. In the hospital, the medical-led care for the assistance. In the pension sector, we will be divided into different levels of care. Basic health care for the elderly to take care of life dominated conservation needs of the elderly suffering from chronic diseases, type of service, physical disability who requires special care for the elderly. Also, at what level of services to provide what is needed Assessment. Such as the elderly disabled and then still need to mild, moderate and severe differences in arrangements for the appropriate classification of services.
as the population ages, the demand for aged care services is growing rapidly. At the same time, care costs are also rapidly increasing, and the professional training of older nurses is still scarce state. This makes a lot of services for the elderly needs are not met, while also increasing the economic burden of the elderly. Therefore, we hope the insurance company can develop appropriate care insurance products, improve the elderly's ability to pay, so that more needy elderly people can get professional aged care services. Insurance will not only help support the elderly, but also the care of social agencies and service personnel a reasonable value and market value of the expression of nursing teams to help us stabilize and improve the overall standard of aged care services.
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