It is predicted that the world's elderly population will reach 2.12 billion in 2151, of which China's elderly population will reach 481 million, accounting for almost a quarter of the global elderly population, making it the country with the largest elderly population in the world. From 2114 to 2151, the consumption potential of the elderly population in China will increase from about 4 trillion yuan to about 116 trillion yuan, and the proportion of GDP will increase from about 8% to about 33%, making it the country with the largest market potential for the aged industry in the world. Entrepreneurship in the elderly market is undoubtedly a big cake. The following is an analysis of the article.
The development of financial services for the aged is slow
According to the estimation of the National Office for Ageing, there are about 611 million potential financial services for the aged between 31 and 59 in China, which means huge consumption potential. It is predicted that the capital involved in the elderly will exceed the current GDP in the future, and the financial industry for the elderly in China will become the largest financial market for the elderly in the world in the future.
At present, banks, insurance, funds, securities and other institutions are beginning to test the aging market, and financial products such as exclusive wealth management products for the aged, pension insurance products and pension trust products are launched one after another. But generally speaking, the development of China's old-age finance is still in its infancy, and the old-age financial products are single and inefficient, and many elderly people take savings as the only way to manage their finances. There are also problems in old-age insurance, such as over-reliance on basic old-age insurance and insufficient supplement of other old-age insurance.
Wu Yushao, deputy director of the National Office for Ageing, believes that China's ageing industry has great potential, but at present, the concept of industrial development is relatively backward, and insufficient attention is paid to ageing products and ageing finance, and there is often more wait-and-see and less real action. The effective demand of the industry is insufficient, and the policy support to encourage the consumption of the elderly is insufficient, and the support policies are basically in a blank state.
imbalance between supply and demand in the old-age care institutions
Besides finance, the aging real estate industry will become another bright spot. According to the Report, old-age real estate includes old-age communities, old-age service agencies, old-age real estate projects in different places, urban old-age apartments, aging renovation of existing houses, and second-hand old-age real estate. The Report predicts that by 2125 and 2134, the elderly population in China will exceed 311 million and 411 million respectively, and China will have the largest real estate market for the aged in the world.
According to the survey, at present, 75% of the elderly population in China own housing, but the existing housing is built according to the needs of a young society, and there is no design suitable for the elderly. For example, many six-story buildings are not equipped with elevators, which is very inconvenient for the elderly population to live in.
By developing appropriate financial instruments, housing for the aged, leasing and exchanging can give full play to the pension function of real estate. With the death of one-child parents, the number of families with three or more houses will increase day by day, and how to develop the property attributes of real estate through the use of financial products will also become an inevitable topic.
Nursing rehabilitation will become a potential market in the future
wanglili, deputy director of the Institute of Aging Economy and Industry of China Aging Science Research Center, analyzed in the Report that private pension institutions are struggling. On the one hand, unfair competition distorts market prices and leads to losses. Because the country has not clearly defined the boundary between the service for the aged and the industry in the top-level design, and has not fully defined the government in the service market for the aged? Bottom? At present, the reform of the old-age service system is lagging behind, the degree of marketization is low, and the industrial chain has not yet formed.
According to the survey of the health status of the elderly population in urban and rural areas by the Office for the Aged, among the average remaining years of about 19 years, the remaining years are only about 9 years, and the remaining years are basically sick or disabled. This means that there will be a huge demand for the elderly rehabilitation nursing service industry.
wanglili pointed out that in the long run, providing nursing and rehabilitation services for the disabled and semi-disabled elderly living at home is an important issue in the process of population aging in China in the future, and it is also the urgent matter, priority field and top priority of the aging service industry, and it is also the main direction of developing the aging industry.
? If self-exploration and supply are proper, the China elderly market will release huge business opportunities. ? The report on the development of the cause of aging in China (2113) released in February this year pointed out that the number of elderly people in China will exceed 211 million in 2113, and the aging level will be close to 1.5%.
On August 6th, the executive meeting held in the State Council also pointed out that accelerating the development of the aged care service industry can not only carry forward the fine tradition of respecting the elderly of the Chinese nation, meet the multi-level needs of the elderly, improve the quality of life, but also make up for the development of the service industry? Short board? Release effective demand and create tens of millions of jobs.
however, positive? Running? In China, an aging society, due to the absence and dislocation of government policy support and guidance, and the lack of effective excavation of the market by social capital, the diversified pension service system is not perfect, the market is not mature, and a large number of potential business opportunities have not been effectively released.
Zhu Liyan, director of a private nursing home in Shenyang, said? With China stepping into an aging society, the demand for old-age care is increasing gradually, and there should be huge business opportunities in the old-age market. However, the pre-market is not mature, and it is difficult for social capital to survive and develop in this field. ?
since 2116? Silver hair market? Zhu Liyan's business has been very difficult. ? Although the government gives some support, the operation of nursing homes is still difficult. ? Zhu Liyan said that the investment return period of building a nursing home is extremely long, and it needs love and government policy support to persist for a long time.
Some leaders of private pension institutions believe that there are problems in the supply of pension services, with nursing homes as the main body. Although the environment and facilities of nursing homes built by the government are good, the quality and service awareness of employees employed by government departments cannot meet the needs of pension. However, some private nursing homes that have long been keen on the construction of old-age care institutions are struggling because of too little government support. At present, it is necessary to solve the contradiction between the two.
in addition, the limited consumption power of the elderly is also an important reason why the market potential has not yet appeared. Influenced by China's traditional ideas, most old people leave their money to their children. This kind? Needing old people? This phenomenon leads to the low consumption power of the elderly market.
Hu Zhiliang, director of China Investment Consulting Industry and Policy Research Center, said that at present, the income of the elderly in China is not high, the social security system is still not perfect, and the concept of saving money for the elderly still exists in large numbers, which weakens their spending power.
Although the market for the aged is still immature, some social capitals still see the huge potential business opportunities in the market for the aged. Gao Xiang, chairman of Liaoning Jinhai Group, told reporters earlier that he wanted to do some real estate projects related to old-age care in the future. By expanding the service function of the property, we can provide old-age property for residents.
In many cities in China, there have been some community-based home care models, some vegetable production enterprises provide home delivery services for the elderly in urban communities, and some catering enterprises set up canteens for the elderly in communities.
In addition, some smart equipment manufacturers are also paying attention to the elderly market and solving the problem of mobility inconvenience for the elderly by developing new indoor smart facilities.
Lin Muxi is optimistic about the market for the elderly. He thinks that with the emergence of the family planning policy, a young couple is under great pressure to raise four elderly people, and the demand for old-age care and special old-age care services will definitely increase in the future.