What is the market prospect of pension products now?

Forward-looking network summary:

With the improvement of living standards and the progress of medical technology, the average life expectancy of the population has been continuously extended, and the aging of the population known as the "silver wave" has become a problem that all countries have to face. According to the international aging standards, the proportion of people over 60 years old to the total population reaches 10% or the proportion of people over 65 years old to the total population reaches 7%. China has entered an aging society as early as 1999.

According to the data of the sixth census, in 20 10, the proportion of the population aged 60 and over to the total population in China was 13.26%, which was 2.93 percentage points higher than that in the 2000 census, among which the population aged 65 and over accounted for 8.87%, which was1.9/higher than that in the 2000 census. This shows that the population of China is over 65 years old. China is also the only country in the world where the elderly population exceeds 1 100 million, and it is growing rapidly at an annual rate of more than 3%, which is more than five times the population growth rate in the same period. It is estimated that by 20 15, the elderly population in China will reach 22 1 100 million, accounting for about16% of the total population; It will reach 243 million in 2020, accounting for 18% of the total population.

Focusing on the needs of physical health, this paper discusses the health service industry for the elderly, which mainly includes family beds and nursing, health consultation, rehabilitation centers and providing medical care. Providing services for the elderly is not only for the elderly who can't take care of themselves, but also for the elderly who are unhealthy but can take care of themselves. According to the different needs of the elderly and their families, the service types can provide services such as home visits, intermittent visits to old-age care institutions, short-term stay in old-age care institutions, and full-time visits to old-age care institutions.

Developing the elderly health service industry can not only serve the elderly, improve their quality of life, but also expand employment opportunities. According to the data of the sixth national census in Nanjing, there were 165438+ 10,000 elderly people over 60 in Nanjing at the time of the census. According to the sampling survey proportion of 10%, the number of elderly people over 60 who are in an unhealthy state reaches128,000, and they are in a seriously unhealthy state of "unable to take care of themselves". In 20 10, there were 2,466 employees in urban and rural welfare institutions for the elderly, with 23,000 beds. Even if we only provide services for the elderly who can't take care of themselves, there is a huge gap in the number of nursing staff and the available beds are also very tight.

Prospective Industry Research Institute's 20 13 version of the Feasibility Study Report of China Elderly Health Service Project points out that with the continuous growth of age, people's physical function is deteriorating, the prevalence rate and per capita medical expenses of the elderly are significantly higher than those of the young, and the elderly are high consumers of medical services. In addition, with the aging of the population, the number of disabled and semi-disabled elderly people will continue to grow, medical and nursing problems will become increasingly prominent, the demand for health services for the elderly will increase day by day, and the development prospects of the industry can be expected.

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