Chinanews.com, Beijing, December 23 (Reporter Wang Enbo) As China's population ageing gradually deepens, how to achieve the "old age support" has become one of the most concerned people's livelihood hotspots.
On December 23, the "China Elderly Care Service Blue Book (2012-2021)" jointly compiled by the Chinese Society of Gerontology and Geriatrics’ Aging Finance Branch, Tsinghua University’s Silver Economy and Health Wealth Index Research Group, and Dajia Insurance Group, was published in China News Service It was officially released at the "City Heart Pension: New Trends in Elderly Care" thematic forum hosted by the Guoshi Forum.
The Blue Book sorts out the basic issues of elderly care services, the needs of elderly care services, the supply of elderly care services and the typical case studies at home and abroad. It aims to provide references for the formulation of elderly care service policies and enterprise development, promote social consensus, and explore what can best meet China's needs. An ideal model for residents’ pension needs.
With the continuous advancement of China's urbanization process, the demand for elderly care of urban residents has gradually blown out.
According to the report, in order to accurately identify the needs of urban residents for elderly care services, in 2021, a survey conducted by Dajia Insurance Group and the Tsinghua Research Group showed that 77.5% of respondents had considered the issue of elderly care; 82% of those with living parents He has considered the issue of pensions for himself and his parents.
In terms of cognition of old-age care methods, the respondents ranked the top three advantageous choices for urban-centered old-age care: being close to the city center/convenient life/convenient transportation, convenient for children/relatives to visit, and familiar living circles/social circles.
Regarding the advantages of suburban pensions, 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 urban heart pension model.
The blue book also pointed out that as commercial insurance groups such as Taikang Insurance and Dajia Insurance have adapted to the consumer demand of the silver economy era to carry out financial innovations, promote closed-loop management of insurance, real estate, medical care and pension services, and realize the integration of pension insurance products and pension communities. A new pattern of pension finance has been formed, and it is gathering in core urban agglomerations.
In this context, the development of core urban agglomerations needs to maximize strengths and avoid weaknesses.
The Blue Book stated that core urban agglomerations have many advantages in the development of elderly care and industry: the development of the pension market can increase long-term asset allocation and promote the transformation, governance and sustainable development of the capital market; the construction of elderly care communities embedded in medical care can promote health technology and silver hair Industrial development; promote the structural transformation of the job market, and form a new job market that adapts to both the young and older working population; drive the local government to transform old residential communities, vigorously develop elderly care communities, and meet the needs of most residents for elderly care services.
As a result, the sustainable development advantages of core urban agglomerations are formed, which is conducive to improving the country's competitive advantages and promoting the development of external circular economy and society.
The huge potential of the elderly care service market presents opportunities for the insurance industry.
The Blue Book pointed out that as of the end of September 2020, 10 insurance institutions had invested in 47 elderly care community projects with 84,155 beds.
This "insurance product and pension service" combination product has a "double-sided adhesive effect."
On the one hand, consumers who have chosen such products among many annuity insurance products, including young consumers, middle-aged consumers and elderly consumers, not only pay attention to the benefits of the product and the way of payment, but also have a new preference, namely Pay attention to and compare the construction of elderly care communities in order to increase their own information about the elderly care communities.
In the research conducted by the research group, it is found that the proportion of consumers with such preferences is very high.
On the other hand, insurance companies that sell such insurance products not only pay attention to the death difference, interest rate difference and fee difference of annuity products, but also pay attention to the construction of the retirement community and brand cultivation, and drive related insurance products to be sold around this brand.
Once you have the brand effect of "a bed is hard to find", the value and market of pension-related insurance products will increase.
The Blue Book says that at the same time, insurance groups that sell such products have generated internal synergy and external competitiveness under the attention of rational consumers.
The group's internal development philosophy is highly unified, the development strategy is gradually clear, the resource integration goal is clear, the brand and chain effect are getting stronger, and the market competitiveness is rising rapidly.
In China's elderly care service market, there have been rational supply and demand sides, thereby improving production efficiency and reducing the cost of consumer choice, to a certain extent, reducing the loss of wealth in the low-yield era.
(Finish)