(Cartoon with caption: Pan Hongyu)

If you apply for a membership card of the All in One Card for the Aged, you can enjoy high discounts and return high interest; The more principal is paid, the greater the pension project discount, and even the principal can be refunded; About 10% of the bed allowance vouchers will be given every full year. After the contract expires, the principal will be returned and the subsidy vouchers will be repurchased in cash

It is these "bait" of high discount and high cash return that make many old people lose their pension money saved through their hard life. Such illegal fund-raising fraud cases exposed from time to time peel off the gorgeous "paint" of the pension service fraud:

High fees in advance are difficult to fulfill contractual obligations. The "travel pension", "health pension" and "lifelong pension" that sound beautiful are actually "Ponzi scams" that covet the money of the elderly.

The industry is so chaotic and the water is so "muddy", so it is urgent to rectify!

The Ministry of Civil Affairs and other seven departments have recently issued guidance on the detailed supervision of the pre charges of elderly care institutions, which can be regarded as seizing the "seven inches" of the poisonous snake of pension fraud, and is expected to tie a "safety rope" for the "pocket" of elderly care.

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China has entered an aging society. With the joint efforts of national finance and social capital, the socialized old-age care came into being, and the industry ushered in a rare development opportunity. However, some malicious people have their eyes on the "money bag" of people's pension.

"High interest rebates, principal refunds when due," "handling membership cards, enjoying pension services in residence," "one-time payment, lifelong service," and other publicity have attracted many elderly people. Little did we know that behind these propaganda, there was an elaborate calculation.

The Ministry of Civil Affairs has released such cases:

An elderly care company in Hunan claimed that it could apply for a membership card of the "National Elderly Care and Health Care Card", and enjoy the company's services in many places with discounts; If the funds in the card are not consumed, the interest can be returned after one year. In two and a half years, the company has applied for membership cards for more than 160 elderly people and charged more than 12 million yuan. Later, it was discovered that this company had no relevant business entity, and the money paid by the elderly had been squandered. 　

An elderly care service company in Henan has set up fund raising points in many places across the country. In the name of preparing to build elderly apartments and elderly care companies, it has aggressively promoted membership consumption cards and reserved equity subscriptions, and illegally raised more than 500 million yuan from more than 6000 people. Later, the capital chain broke, and 360 million yuan was still unpaid at the time of the crime.

Similar cases show that criminals use the mentality of the elderly who want to enjoy low price and high-quality elderly care services to cheat the elderly to recharge in advance and cheat money under the guise of elderly care services by means of card handling, recharging, booking beds, and providing minimum living security deposit.

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The key to the chaos in the field of old-age care is pre charging. Aiming at the pension chaos and controlling the money, we have also stopped the "seven inch" of pension fraud.

The Guiding Opinions on Strengthening the Supervision of Pension Institutions' Pre charge recently issued by seven departments including the Ministry of Civil Affairs focuses on regulating the pre charge behavior of pension institutions and strengthening governance from the source.

There are 14 guidance opinions in four parts, which make detailed provisions on advance charges for issues that are likely to cause disputes in the field of elderly care services. The main points are:

Specify collection requirements. The opinion defines the concept of pre charge, including pension service fees, deposits and membership fees, and implements differentiated management according to the actual situation. It is proposed that the period of advance collection of pension service fees shall not exceed 12 months at most, and the deposit charged for a single elderly person shall not exceed 12 times the monthly bed fee of the elderly person at most.

Restricted use. The opinion is clear that the deposit shall not be paid except for refund, payment of medical expenses for the elderly in case of emergencies, deduction of the overdue pension service fees for the elderly, or liquidated damages and compensations that should be paid to pension institutions. Clarify the restrictive provisions of advance charges to ensure that the funds are used for their specific purposes.

Clarify agreement management. Focusing on issues that are likely to cause disputes, we standardized the signing of agreements, risk notification, invoicing, refund of fees, dispute resolution and other links, so as to maximize the protection of the legitimate rights and interests of the elderly.

In terms of solving the problem of "refund difficulty", the opinion proposed that for the prepaid fees that meet the refund conditions agreed in the service agreement, the elderly care institutions should refund the fees in a timely manner according to the agreement, and should not refuse or delay.

The "financialization" of pension products is very attractive and deceptive to the elderly, and some functional departments have objective difficulties in supervision. The opinion focuses on the whole process supervision, which helps to prevent problems before they occur.

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It has been the dream of Chinese people since ancient times to let the elderly enjoy their lives.

The book was written in the Book of Rites · Ritual Luck of the Han Dynasty, which gave birth to the concept of "old age is the end of life".

The vitality of policies lies in their implementation. After the introduction of a good policy, high-quality and efficient implementation is the key. To enable the elderly to enjoy their old age, they must first guard the "money bag" of pension.

It is not enough to follow the law. The opinions of the seven departments provided principled guidance, and the specific implementation still needs to be further refined. Relevant departments should increase the daily inspection of elderly care service institutions and facilities, and take the initiative to attack the illegal fund-raising that infringes the rights and interests of the elderly, and "strike early and strike small".

Keep an eye on the "money pocket" of old-age care. Elderly friends and family members also need to sharpen their eyes, strengthen their awareness of risk prevention, and guard against false propaganda such as "high returns" and "lifelong old-age care". After purchasing the service, properly keep the invoice or other consumption vouchers, and claim rights according to laws and regulations in case of consumption disputes.

To enable the elderly to enjoy their old age, the whole society needs to participate. Carry out knowledge popularization activities, use the language and way that the elderly can hear, understand and listen to, improve the ability of the elderly group to prevent risks, effectively cut off the black hand that extends to the "money bag" of the elderly, and better ensure the happy and healthy life of the elderly in their later years. (Reporter Yin Siyuan)