This is not the first local incident in which an elderly person died due to a mine explosion in a pension institution. On August 13, 2020, a 70-year-old man collapsed at home after receiving a phone call and told her that the money deposited in Yiyang Hengfuhai Pension Service Center could not be paid.
In Yiyang, in addition to Nanuo and Hengfu overseas, many old-age care institutions exploded, causing many elderly people to lose blood. According to the survey, most of these old-age care institutions are private institutions, and their operating time is mostly 5 to 6 years.
Profile picture: The picture shows an old-age care institution that was struck by lightning in Yiyang.
In what ways do these old-age care institutions attract investment from the elderly? How do old people who are hit by mines respond? The reporter entered a local rights group of injured elderly people in Yiyang. Nearly 200 elderly people in the group are eager to get back the principal of "booking beds for the elderly" as soon as possible.
After two years of "investment education", the elderly were "brainwashed"
70-year-old Xiao (pseudonym) is a retired worker of a state-owned enterprise with a monthly pension of 2,400 yuan. She has two children, one suffering from cancer and the other severely disabled by a car accident. The family is not well-off, because the investment pension institution exploded, and now I have spent my savings for many years. "I put my only 80,000 yuan deposit in. Since I learned that I couldn't get the money, my hair was all white and I couldn't sleep all night. " Xiao guoping told reporters.
20 18 10, a small deposit of 10,000 yuan was made in a local private pension institution in Yiyang to reserve beds. This is the first time I have invested in an old-age care institution. Prior to this, the agency had conducted "investment education" for two years in order to do this business.
According to small memories: "In 20 16, I went to attend a friend's 70th birthday. After the birthday party, the salesman of the old-age care institution kept up with us. " The salesman first recommended a small pension institution, but Xiao said that he could take care of himself at present and did not want to stay. As soon as the salesman saw it, he recommended the bed reservation service to Xiao Guoping, saying that he could enjoy high interest rates and benefits without staying. On the same day, several old people in small companies were also taken to nursing homes by salesmen.
Since then, the salesman has repeatedly called Xiao Guoping and asked her to go to the old-age care institution for a "meeting". "Salesmen are very amiable and treat us like grandparents," said Xiao Guoping, whose home is 7 kilometers away from this old-age care institution. Every time there is a "meeting", the agency bus is responsible for picking us up. There is a meeting once a month, and hundreds of old people attend every meeting. The content of the "meeting" is mainly to preach the "pension policy" and the preferential services provided by the organization. "The leaders of the old-age care institutions lied about state support and provided us with higher interest rates." After each "meeting", this old-age care institution will distribute daily necessities such as noodles, red dates and toilet paper to the elderly to attract them to go again next time.
The (pseudonym) who has exactly the same fate as Xiao encounters is 58 years old this year. He is an on-the-job employee of a state-owned enterprise. He invested 6.5438+0.4 million yuan in two pension institutions in Yiyang, and now he can't get back the principal. It is understood that Zhang Jianjun received a leaflet from an elderly institution when shopping in the vegetable market. After being taken to the institution for a visit that day, I was invited to a star-rated hotel for lunch. Since then, Zhang Jianjun has been invited to attend a "conference" in this institution for several months. About five months later, he signed a bed reservation contract with this institution.
Various "consumer welfare" tempt the elderly to take the bait.
Xiaohe's investment process is to test the water with small funds first, and then increase the investment quota. "I was very cautious at first. After a while, I found that there was no risk and my courage was great. " Novel: Xiaofen invested 80,000 yuan in the old-age care institution for three times. After the first investment of 654.38+00000 yuan, 40000 yuan and 30000 yuan were successively invested.
The 50,000 yuan invested in the first two times signed the same contract named "Appointment Pension Service Contract". Article 2 of the contract States the payment content of Xiao Guoping: "Book a platinum card for nursing homes for 50,000 yuan; The term of the contract is two years; The payment method is one-time payment. "
According to the contract, this platinum card with a value of 50,000 yuan allows Xiao Guoping to get 333 yuan welfare vouchers provided by the old-age care institution every month during the two-year contract period, which can be spent in the old-age care institution. However, Xiao Guoping said that she did not read the contract carefully. "The salesman told me that it was 7% per month." In the actual transaction, the pension institution pays a small 350 yuan voucher every month. "The monthly interest rate is higher than that of the bank. At that time, I thought it was quite cost-effective. " Novel: The reporter called the local industrial and commercial bank of Yiyang and learned that the principal of 50,000 yuan was deposited, and the two-year fixed interest rate was 2.625%.
The picture shows the appointment service contract signed by the elderly and the old-age care institution.
In the contract signed by another old man, Ma (a pseudonym), and the Nanuo Apartment for the Aged, similar coupons also appeared. According to the contract, Ma bought the supreme card of this institution for 654.38 million yuan. During the two-year contract period, he can also get a welfare spending card worth 65438+ 10,000 yuan every year, but this spending card only supports spending in nursing homes. Zhao Shubi (pseudonym), who died in August last year, showed in the contract with Hengfuhai that Zhao Shubi paid 30,000 yuan to the old-age care institution at one time. When the contract expires two years later, the old-age care institution can give the old-age care institution 4800 yuan for consumption, which not only supports consumption in the old-age care institution, but also can be used for direct shopping.
In addition to high-consumption welfare vouchers (cards), the contract also stipulates that the principal will be returned after maturity. Many contracts of Yiyang old-age care institutions stipulate that during the contract period, if the elderly do not live in the old-age care institutions, they can return the principal in full after the contract expires. However, if the elderly ask the pension institution to return the principal before the expiration of the contract, they will have to pay 8%- 10% as penalty.
At the same time, there is another clause in the contract that is more attractive to the elderly in the long run, that is, the preferential housing price of the old-age care institution. The intensity of preferential housing prices depends on the amount of one-time payment. The greater the amount paid, the greater the intensity of preferential housing prices, thus attracting the elderly to invest a lot of money. Ma, Xiao and Zhao Shubi all stated in the contract that they will enjoy 30%, 20% and 8.5% of the house price of the old-age care institution for life. According to Zhao Shubi's contract, there are three kinds of rooms in the old-age care institution: deluxe single room 1800 yuan/month, comfortable double room 1200 yuan/bed, and 4-6 people/bed 900 yuan.
Although the preferential terms in the contract are attractive, Zhang Jianjun also made rational thinking before investing. The Nanuo apartment for the elderly he signed has a beautiful environment and complete supporting facilities. According to the company's publicity materials, Yiyang Nanuo Senior Apartment is a star-rated hotel-style medical institution integrating pension, medical care, rehabilitation, vacation and tourism, and it is also one of the largest and most complete new healthy pension bases in Hunan Province. "Nano is backed by the reservoir and has a beautiful environment. Each room is very big, and there are more than 1000 beds in one room. There is also a health care center inside. " Zhang Jianjun believes that the environmental facilities in Nanuo are enough to attract more elderly people to live in, which can ensure the income of nursing homes and enhance investment confidence. Even though the number of people staying in the old-age care institutions has been maintained at 200-300 every time he visits, it has not aroused his suspicion.
The investment has gone and never returned, and it is deeply mired in the whirlpool of rights protection.
"I went to the old-age care institution for money 10 many times, and I couldn't get the money every time. No one answered the call to the salesman. " Since July last year, I have been unable to receive relevant interest, and some of my principal cannot be withdrawn after it expires. As a result, he repeatedly went to the pension institution he invested in to apply for relevant interest and the principal that should be refunded, but they were all shirked by the other party for various reasons. Up to now, the principal of 60,000 yuan has not been returned. "I have been shirking. I said June 265438+1October 2 1 give it to us. I went on June 2 1 and said that I would wait for further notice. "
The reporter called the chairman of the pension institution with small investment, and the other party said that it would try its best to return part of the principal before the year. The specific refund amount is subject to the financing amount. "Next week, there will be some money coming in. The more you come, the more you pay. Come less and pay less. " When the reporter asked about the cause of the explosion in the old-age care institution, the other party did not give a detailed explanation.
Liu, the boss of the rights protection group for the elderly, believes that the essence behind the explosion of old-age care institutions is a fund-raising activity oriented to fund-raising. The main reasons for the explosion of old-age care institutions in many places are that the operators of old-age care institutions have strong deception and the elderly themselves lack the ability to distinguish financial management. These pension institutions have carefully designed the target customer orientation to guide the investment process and investment income. Almost all elderly people who purchase the "reserved bed for the aged" service have no nursing needs in the short term and will not choose to stay. While raising a lot of money, the old-age care institutions don't have to spend nursing expenses. In the process of guiding investment, pension institutions have carefully set up birthday banquets, chartered cars, conference education, hotel meals, small gifts and other links to guide the elderly to relax their vigilance step by step. In terms of income, the old-age care institutions attract the elderly to invest with interest rates much higher than the bank deposit interest rate, but they do not inform the elderly of the risks behind the investment. At the same time, the reporter found in the interview that many elderly people did not consult their families when booking beds for the aged. I also lack enough knowledge of financial management, and under the guidance of "chain set", I am easily deceived.
In recent years, such illegal fund-raising cases that infringe on the legitimate rights and interests of the elderly have occurred frequently in the name of old-age care services by charging them membership fees, bed fees and other ways of promising high returns. From 20 19 to 12, official website, Ministry of Civil Affairs, issued "Risk Tips for Illegal Fund Raising and Fraudulent Sale of Health Products", which showed that the high rebate claimed by such activities was a fraud gimmick. The rebate funds mainly come from the expenses paid by the elderly, which belongs to robbing Peter to pay Paul. Most old-age care institutions and enterprises have no legal service subject and income matching their promised returns, so it is difficult to maintain the operation of funds. At the same time, due to the failure to effectively supervise the large amount of funds absorbed by these old-age service institutions, there is a risk of capital transfer and running away.
The reporter learned that according to the local administrative regulations in Hunan, it is obviously illegal for private pension institutions to collect fees by "booking bed fees". The Opinions on Further Strengthening the Supervision and Management of Private Pension Service Institutions issued by Hunan Provincial Civil Affairs Department on 20 15 pointed out that the fees charged by private pension service institutions are generally charged on a monthly basis, and it is not allowed to implement one-time fees for more than one year or even life or other forms of disguised fund-raising. The above-mentioned pension institutions that have exploded mines have violated this regulation for a long time, but they have not been standardized and investigated. It was not until the old-age care institutions exploded that they received regulatory attention. Local governments have obvious problems of lack of supervision and absence.
In July, 2020, the Nanuo apartment for the elderly invested by Zhang Jianjun was put on file for investigation by Ziyang Branch of Yiyang Public Security Bureau on suspicion of illegally absorbing public deposits, and its legal representative Lu Guanghui and others were arrested. Zhang Jianjun introduced that the illegal fund-raising case of Nanuo Senior Apartment involved more than 4,000 elderly people, with a contract amount of more than 300 million yuan. By 4: 00 p.m. on October 25th, 65438/kloc-0, the old people had not recovered their principal.
Recently, the state has gradually strengthened the supervision of illegal fund-raising in pension institutions, and has successively promulgated a series of policies and regulations. Article 40 of the Measures for the Administration of Pension Institutions, which came into effect on June 1 65438+1October12020, stipulates that civil affairs departments should strengthen the prevention, monitoring and early warning of illegal fund-raising by pension institutions. If it is found that pension institutions are suspected of illegal fund-raising, they should be handed over to relevant departments in a timely manner in accordance with relevant regulations. From June, 5438 to February, 2020, the General Office of the State Council issued the Opinions on Establishing and Perfecting the Comprehensive Supervision System for Aged Care Services to Promote the High-quality Development of Aged Care Services, which clearly pointed out that strengthening fund supervision and guiding aged care service institutions to raise and use the funds involved in aged care services legally and legally.
While promulgating policies and regulations, relevant regulatory agencies should implement these policies and regulations to prevent a regulatory vacuum. Under the background of aging population, it is the responsibility of the whole society to protect the rights and interests of the elderly.