The problem of pension has been quite serious at present, why has it not attracted the attention of

First, how to solve the problem of national pension is a huge project.

Rome wasn't built in one day. There are more than 1.4 billion people in China, and 18% are over 60 years old, and the aging trend is accelerating. How to solve the problem of national pension is a huge project, in recent years, the importance of the pension problem has increased significantly, and investment is also increasing.

However, the problem of pension cannot be solved by just throwing money at the top of the list. First of all, a huge amount of capital investment is required, and the power of the first is limited, so it is necessary to attract private capital to enter the pension industry. Secondly, the cultivation of talents is a long process.

Young people are reluctant to participate in the pension industry, the service quality of this industry will not improve, and the status of the industry will be difficult to improve. Thirdly, the improvement of the quality of management, which is not only solved by money.

Our view is: when the social status of the pension industry and hospitals is almost the same, a large number of young people, ideals and insightful talents enter this industry, and our pension system is close to maturity. At present, the first investment in the county and township areas to build a lot of nursing homes, but the idle rate is high, many nursing homes have a low occupancy rate, the five guarantees of the elderly would rather stay at home than go to the nursing home, the reason is that the quality of management and service is poor, can not reflect the old have support, the old have fun.

2. China has entered a moderately aging society, and smart pension is valued by the state!

According to the latest data from the seventh national population census, China's elderly population exceeds 100 million. During the 14th Five-Year Plan period, China will enter a moderately aging society. Actively responding to the aging of the population has become a national strategy.

China's "14th Five-Year Plan" outline proposes to "build a pension service system that coordinates home and community institutions and combines medical care and health care". The integration of medical care and elderly care is regarded as an important support for the "Chinese-style" elderly care service system to cope with the aging population. Wang Haidong, director of the Department of Aging and Health of the National Health Commission, once proposed to promote the high-quality development of the combination of medical care and elderly care in multiple dimensions.

First, there are many difficulties stemming from the reality of pension. In recent years, while the overall basic life has improved significantly, many elderly people still face various difficulties. In terms of spiritual comfort, about 30% of the elderly often feel lonely, and some even have depressive symptoms.

Regardless of whether there are elderly people in the family, this pain of empathy will inevitably cause people to feel uneasy about the issue of old-age care.

Second, it stems from psychological anxiety about the future of retirement. At present, China has entered a period of rapid population aging, and the number of elderly people will surge at an average annual scale of more than 8 million.

Third, it stems from more expectations for old-age security. Old-age security is related to everyone's vital interests. At present, the development of old-age security in China is unbalanced, and there are great differences in the level of old-age treatment and investment among different people.

Because of China's large population and serious aging of the population, it is not that it has not attracted attention, but that there is a long way to go to solve this problem.

Whether it is serious or not, the people are still happy, and the traditional virtues tell us to understand filial piety, understand gratitude, and don't be bound by money.

China continues to promote the construction of the national pension insurance and pension system, and hundreds of millions of people participate in the insurance, which is enough to show that China attaches great importance to the national pension.

Twenty years ago, universal basic insurance was unknown, and it was difficult for flexible workers and non-permanent workers to obtain pension funds. Except for some unit staff, most people are more inclined to live and work until they are old. They don't have much of a livelihood guarantee, and pensions and pensions have become a luxury.

With the continuous improvement of China's pension system, many rural residents and flexible workers have begun to participate in social pension insurance. Every year, the official stipulates the time for pension insurance payment. When the elderly reach the retirement year, the elderly can receive a certain share of the pension.

When people lack a fixed life**, their lives cannot be guaranteed, and it is difficult to continue to improve their quality of life. At the same time, the old people have their own troubles. Some elderly people cannot be guarded by their children's side, and their children cannot be accompanied for a long time, which makes the elderly feel lonely.

Some of the elderly still work on the construction site, tired every day, but can get a regular income.

As over-age migrant workers were persuaded to return, some of them lost their jobs to make a living. As a result, some migrant workers have begun to complete the transformation of their jobs, such as opening commissaries. Despite this, there are still some elderly people who are destitute.

Nowadays, the situation has been effectively improved, and the pension insurance has laid a good foundation for the national pension. The old people live and work in peace and contentment, and the young people concentrate their energy on work, and the pressure of life and work are relatively unified.

In general, China's pension data speaks for itself, and the outside world's suspicions have become unmentionable. Coupled with the continuous improvement of the medical system and pension system, after the elderly are sick, they can go to the regular hospital to check the disease. In addition, some designated hospitals will reimburse part of the funds, which greatly reduces the problem of medical treatment and pension funds for the elderly.

Because the aging of the population is becoming more and more serious, so to solve the problem of old-age care has become a big problem, the decline in the number of births has caused the burden of children's pension to increase, so the state must introduce some measures related to old-age care to reduce the burden of children, only in this way can children be able to work better.

Because the population is about to enter an aging society, you will see that 1 in 3 people are elderly; If you don't have a better pension, you may have to come out to work when you're in your seventies and eighties.

On the reasons for the serious problem of pension for the elderly:

1. Poverty in old age.

At present, poverty has become one of the basic problems in Chinese society, and it is also very important. However, the problem of poverty among the disadvantaged older persons has not received much attention.

Poverty among the elderly, analysis of its causes, economic system reform has played a great role in this. With the process of reform and opening up, the planned economy was replaced by a market economy. The employment situation has become very serious, making it difficult for the elderly to find employment.

And because almost no one in this generation of elderly people enjoys pension insurance, they can only rely on retirement pensions to support themselves. However, with the deepening and development of economic reform, the competition between enterprises has become more intense, resulting in enterprises defaulting on pensions due to the economic crisis. The economic income of the elderly is not guaranteed.

Another effect of institutional reform and economic development is the increase in prices, especially for health, education and housing. This makes the already difficult life of the elderly even more difficult.

Second, the change of children's concept of old-age care.

The traditional concept of pension and pension methods have been more and more diluted by people under the impact of modern civilization. A large number of people no longer regard taking care of their parents as their first responsibility, and even those who refuse to support their parents have appeared. The traditional Chinese virtue of respecting the elderly has been weakened.

The rapid development of the economy and the improvement of living standards have provided conditions for children to move out and live a life for two.

On the other hand, the popularization of education has led to an increase in the number of people who leave their parents to study outside the home. Empty nest families4 with only parents are on the rise. At the same time, due to the fast pace of modern life and the pressure of work, children are taking less and less care of their parents.

All these factors make the lives of the elderly not well cared for.

As the elderly population on the demand side has soared, the number of service personnel on the supply side has fallen off a cliff. As the core of the elderly care team, migrant women aged 50-60 began to experience negative growth as early as 2016, with many quitting their jobs and going home to help take care of their grandchildren, and experienced people are more willing to switch to confinement nannies and nannies. Help to get home with the kids.

The younger generation of nursing graduates is clearly reluctant to enter the profession.

What attracts the elderly to buy pension services is the quality of service. If there are not enough elderly care workers, not only the service quality of the institution is worrisome, but also the continuous personnel cost will also discourage practitioners in the face of the scattered home market.

This is the first time in human history that we are facing such a huge aging population, and we have no experience before, and the corresponding medical and pension resources and social security system are obviously not ready for this. Chinese-style pension, where is the road?

Why can't home care develop?

In the old house on the fifth floor, Zhang Aihua, a lame man in his 70s, had not eaten for a week, she couldn't go downstairs, she was really hungry, so she used boiling water to make tea leaves and chewed them handfuls. The two sons worked in different cities, the mother was hungry, and the younger son, who was also in Kunming, ordered takeout to deliver three or four days' worth at a time, and the mother had bedsores, and the younger son sent anti-inflammatory ointment through takeaway.

More than 1,000 kilometers away in Guangzhou, the children who live far away can't contact the elderly, and they want to see the elderly living alone at home through the takeaway brother, but they find that the old man has collapsed in the bathroom and has passed away.

Even if they live in the city, the elderly have neither family members to take care of them, nor can they have the money to seek help from professional elderly care services, so they can only be trapped at home, and they cannot even be called life.

The children are on the go, and they have no time to take care of the empty nesters at home. Living in the city, there are at least professional institutions that provide elderly care facilities and care services, but in the face of payment**, the elderly with potential needs are blocked out. Retirement at home has been forced to become a more practical option for most working-class families.

The 42 million disabled and semi-disabled elderly announced by the National Office on Aging, the disability rate of the elderly in first-tier cities is only about 2-3%, and according to the overall national data, it is 14-15%, and the huge gap between urban and rural areas means that after dividing the city according to the high and low lines, "9073 9064" will become a completely different form.

The problem of pension has been quite serious at present, why has it not attracted the attention of the public? In my personal opinion, there are a few points:

1. Aging is coming too fast. There is a saying that the old age is not rich, which means that personal wealth, family wealth, and social wealth have not been sufficient to a certain extent, but the society has entered or even quickly entered the aging society, so that from the country to the local, from the society to the individual have not yet realized the problem of old-age care.

Second, the traditional concept of pension. What we are talking about now is more of a pension method that is very different from the traditional pension, emphasizing the coverage of the society and the state for the elderly. Traditionally, we have always been the so-called raising children to prevent old age, and more often than not, the problem of providing for the elderly is left to the family to bear by themselves.

Therefore, there is no strong concept of pension.

Third, the economic level. China's economic improvement is the last decade, and the rapid aging of the population is also about the past decade. As mentioned in Article 1, we are growing old before we get rich, and for a long time, the country's economic strength will not be able to afford the pension of the whole society.

Even today, the pension policy proposed by the state is 9073, that is, 90% of the elderly are provided for at home, 7% of the elderly are provided for in the community, and only 3% of the elderly are provided for in society.

Personally, young people nowadays are faced with the status quo of having to support four elderly people or more as a couple. Coupled with the pressure of urban life, people can't think too much about the issue of pension. Those with better economic conditions can participate in some more high-end pension communities, and those with average economic conditions can only see the tricks, and do not take into account the systematic consideration of pension issues.

First,Stemming from the many difficulties of providing for the elderly.

Although there has been a significant improvement in overall basic living in recent years, many older persons still face difficulties. In terms of economic income, nearly 10 million elderly people in the country live below the poverty line, and 50% of the elderly are worried that they will not have money for treatment when they are sick; In terms of life care, more than 50% of the elderly live alone in empty nests, and there are more than 30 million disabled and semi-disabled elderly people; In terms of spiritual comfort, about 30% of the elderly often feel lonely, and some even have depressive symptoms.

Second, stemming from the psychological anxiety of the future of retirement

At present, China has entered a period of aging and rapid population development, and the elderly population will surge at an average annual rate of more than 8 million. At that time, the total social dependency ratio will be increased from the current 45 percent to 10 percent. Such a severe aging situation has further increased people's concerns about old age.

Old-age protection is everyone's vital interests. At present, the development of China's old-age security is unbalanced, and there are institutional divisions between urban and rural areas, regions and industries. With the enhancement of the awareness of civil rights, people are paying more and more attention to the mobility, fairness and sustainability of old-age security, and have put forward more requirements.

If you can't get home, you don't dare to spend any money to earn. People's attention to the issue of old-age care also stems from its impact on the psychology of the masses, which is related to the implementation of the policy of expanding domestic demand.

Due to the lack of confidence in the future of retirement, people can only save more and spend less after making money. In order to maximize the role of promoting economic development, only by strengthening the security of old-age care and so that the people have no worries can they rest assured that they can consume with confidence.

Because this is a widespread and wide-ranging problem, the state has been trying to find a way to solve it. For example, the establishment of public pension institutions, encourage private and enterprise investment in pension enterprises and enjoy corresponding policy support.