4Hpq8vTSjsN Author: Wu Xiaolan, Li Chang'an, Jiang Hongwei opinion.huanqiu.com article Three people in finance and economics talked about tightening the three "safety valves" and guarding the "purse" for the elderly /e3pmub6h5/e3pr9baf6 <article><section data type="rtext"><p>Editor's Note: Seven departments, including the Ministry of Civil Affairs, recently issued the Guiding Opinions on Strengthening the Supervision of the Pre charge of Elderly Care Institutions (hereinafter referred to as the Guiding Opinions), which specifically states that the pre charge period shall not exceed 12 months, and the deposit, membership fees, etc. will be deposited by commercial banks as a third party. At present, China has entered an aging society, and socialized pension has become an important way of pension. How should we care for the elderly and protect their pension "pockets"? We can consider strengthening supervision, improving education and strengthening community services</ p> <p><em data scene="strong">Strengthen the supervision of the whole chain and link</em></p><p>Wu Xiaolan</p><p>China has entered the stage of accelerated development of population aging, and the demand for socialized elderly care services has become increasingly prominent. Elderly care institutions are an important carrier to meet the rigid care needs of the elderly and diversified healthy elderly care needs, as well as a basic and supporting industry of the silver economy. The construction and operation of elderly care institutions, especially the middle and high-end large elderly care institutions, has a large initial investment and a long cycle, so adopting pre charging has become a business model for some elderly care institutions to relieve their operating pressure. The pre charge mode is widely used in the service industry, which is reasonable, but also prone to security risks. When it is put into the field of pension, this risk is more unbearable for individuals and families. Therefore, it is necessary to strengthen the supervision of the whole chain and link of the pre charge of elderly care institutions. On the one hand, it is necessary to standardize the pre charge behavior of elderly care institutions, strengthen diversified supervision and management, and prevent the chaos of super long term pre charge, "multiple sales of one bed", "difficult refund", and even the occurrence of serious problems such as "explosive" and "runaway"; On the other hand, it is to stop some lawbreakers from the source from illegally raising funds and defrauding the elderly under the guise of "membership card", "prepaid" and "investment in elderly apartments"</ p> <p>Recently, the Ministry of Civil Affairs, together with six ministries and commissions, issued the Guiding Opinions, which clarifies at the national level the important issues such as what and how to supervise the prepayment of pension institutions. First, full scope supervision, including pension service fees, deposits and membership fees, to achieve full coverage of the scope of supervision, and to manage the management in place. The second is the whole chain supervision. In view of the risk points in each link of the collection, agreement management, use and refund of pension institutions' pre charges, clear preventive measures are proposed to achieve no blind spots and dead corners in supervision. For example, it clarifies the upper limit of the cycle of advance collection of pension service fees, the upper limit of the amount of admission deposit collection, and the "negative list" of the collection and use of membership fees, and further requires that the elderly care institutions should not exceed the committed service of the bed supply capacity, and the total amount of advance collection fees should not exceed its net fixed assets. The third is three-dimensional supervision, establishing a working mechanism for the supervision of the pre charging of cross sectoral pension institutions. Strictly control "before, during and after the event", focus on monitoring and early warning of prepaid funds, troubleshooting of risk hazards, and handling of violations of laws and regulations, put forward the implementation of bank deposit and risk margin management, strengthen daily supervision and risk monitoring, and implement the arrangement of targeted regulatory measures in three aspects of classified disposal of hidden problems to reduce risk hazards in an all-round way, Ensure the consumption safety of the elderly</ p> <adv-loader __attr__inner="7004636" __attr__style="width: auto; position: relative;float: left;border: 1px solid #ebebeb; padding: 20px;overflow: hidden;margin: 10px 30px 40px 0; "></adv-loader> <p>With the continuous development of the aging society and the continuous evolution of the demand structure of the elderly, new forms of elderly care services will continue to emerge. The key is to promote the dynamic balance between development and security and complement each other. From the perspective of development, it is necessary to continue to increase support for the construction of elderly care service facilities and silver hair economic industry projects. From the perspective of safety, it is necessary to strengthen the safety bottom line, improve the coordination and linkage mechanism of cross sectoral, cross regional and cross level supervision, so that the elderly can spend with confidence and provide for the elderly with peace of mind. (The author is a researcher of the Institute of Aging Health of the China Research Center on Aging Science)</p><p><em data scene="strong">Community service can become an important link</em></p><p><p>Li Chang'an</p><p>Community service can become an important link in serving the elderly and protecting the elderly from fraud. One of the main reasons why some elderly people are vulnerable to fraud is that they lack the company and care of their families. However, elderly people who are aged in the community usually move and contact with their families more frequently, so the probability of being cheated is much lower</ p> <p>Compared with other pension modes, community pension has many advantages. Community elderly care is to let the elderly live in their own homes. While they continue to be taken care of by their families, relevant service agencies and people in the community provide door-to-door services or nursing services for the elderly. Because they live in their own homes and are familiar with the community environment, the elderly will not feel strange. Most of the family children are not far away from the community where the elderly live, and it is convenient to visit them, which makes it easy to closely link family care with community care. Not only that, because most elderly care institutions can not solve the medical care difficulties of the seriously ill elderly, instead of sending the seriously ill elderly to the nursing home and then to the hospital, it is better to directly complete the referral by the community health service center, which also highlights that the focus of the combination of medical care and elderly care should be in the community</ p> <p>At present, strengthening the construction of urban and rural community elderly care service network has become an important task for governments at all levels to do a good job in aging work. From the perspective of the future aging trend and the people's pursuit of higher quality of life, the community elderly care construction needs to do the following three jobs:</p><p>First, we need to further improve the community elderly care service facilities and provide more elderly care service products. We will gradually make up for the weaknesses of community public service facilities, and make up for the weaknesses of community embedded service facilities in combination with the reconstruction of old urban communities and the construction of 15 minute community life circle. In terms of service items, it provides disability care, canteen for the elderly, bath, cleaning, medical, walking and other forms of elderly care services</ p> <p>Second, we should take various measures to encourage social capital participation. The participation of social capital can not only solve the problem of insufficient government financial funds, but also provide diversified services and improve the management level. Therefore, it is necessary to guide the participation of social forces through public construction and private sector, and cultivate large-scale and professional service institutions with strong operational capacity. We should earnestly implement preferential policies such as taxes and public utility prices, give appropriate public subsidies to investment operators, ensure that social capital maintains a reasonable profit rate, and achieve the dual purposes of public welfare and efficiency</ p> <p>The third is to make full use of modern technology to create a "digital pension" model. The rapid development of the digital economy promotes the integrated application of new generation information technology, digital technology, artificial intelligence technology and other cutting-edge technologies in the home-based community elderly care scene. Through regional and industrial smart elderly care service platforms, it accurately connects elderly care service resources and elderly service needs, and plays a role in reducing costs and improving efficiency. (The author is a researcher of the National Institute of Opening up to the Outside World at the University of International Business and Economics)</p><p><em data scene="strong">Five Ways to Help Older Investors "Prevent Cheating"</em></p><p>Jiang Hongwei</p><p>May 15 is the "National Investor Protection Publicity Day" and the 15th National Publicity Day for Public Security Organs to Combat and Prevent Economic Crimes. The Guiding Opinions issued by seven departments, including the Ministry of Civil Affairs, clearly stated that false or misleading publicity is not allowed, and the elderly or their agents should not be induced to pay advance fees by promising to repay the principal and interest or giving other investment returns. The elderly and their agents should improve their awareness of risk prevention, consume rationally, pay pre charges carefully, not be tempted by high returns, not participate in illegal fund-raising, and be careful about property losses</ p> <p>Although there are provisions in the Guiding Opinions, how to prevent the elderly from being cheated? How to distinguish which are false propaganda? What are illegal fund-raising? What should we do to educate the elderly investors? The author suggests that the elderly investors can guard against it from five aspects: first, they should not be tempted by high returns, and rational analysis should be made. Any investment that exceeds the normal rate of return on investment should be carefully analyzed and considered rationally; Second, do not download investment apps from unknown sources. You need to download apps, which can be downloaded from the formal application market; Third, do not listen to oral promises, and everything shall be subject to the signed contract agreement; Fourth, do not scan unknown QR codes, and pay attention to keeping your own payment code; Fifth, don't be greedy. Pay attention to the fraud like "winning the lottery, but paying income tax first"</ p> <p>In fact, when there are more standardized pension financial products and services in the market, the elderly will have fewer opportunities to be cheated. The Opinions of the General Office of the State Council on Developing the Banking Economy and Improving the Well being of the Elderly released at the beginning of this year also proposed to enrich and develop pension financial products, including supporting financial institutions to develop pension financial services in accordance with laws and regulations, and providing pension financial planning, fund management and other services. Enrich personal pension products and promote the development of exclusive commercial pension insurance. Actively develop commercial medical insurance and commercial long-term care insurance, carry out the pilot work of responsibility conversion business between life insurance and long-term care insurance, and strengthen the connection between the research and development of pension financial products and health, pension care and other services</ p> <p>To strengthen investment education for the elderly, publicity should be strengthened. The people's courts and procuratorates can regularly publish relevant cases, and increase online and offline publicity of relevant policies and cases; The online platform should strengthen the review of online content that harms and damages the rights and interests of the elderly, and increase the punishment of such content; Offline publicity needs to mobilize social forces to ensure the joint participation of financial institutions, communities, elderly care service institutions, etc., and to promote and protect the "purse" of the elderly with multiple forces. (The author is the president of the Health Care Research Institute of China Health Association and the secretary-general of the Ecological Health Care Branch of China Forestry and Environment Promotion Association)</p></section></article> one trillion and seven hundred and fifteen billion nine hundred and sixty-eight million five hundred and sixty-seven thousand eight hundred and four Copyrighted works of Globegroup are strictly prohibited from being reproduced or mirrored without written authorization. Violators will be investigated for legal responsibility. Editor in charge: Zhao Jiandong Global Times one trillion and seven hundred and fifteen billion nine hundred and eighty-six million three hundred and ninety thousand seven hundred and ninety-six one one []