This paper aims to conduct an in-depth analysis and analysis of China's pension policy in 2023-2024. Starting from the work report and the major policies mentioned in the five-year plan, such as increasing financial investment, innovating the development model, and improving the pension system, it comprehensively demonstrates the development direction and strategic blueprint of China's future pension industry. This will provide the general public with a scientific, reasonable, easy-to-accept and practical effect of innovative pension solutions.
With the continuous progress and development of society, a series of policies have been launched to support the active response to the aging of the population, and specific requirements and regulations have been made for this. Among them, pension finance as one of the important links, its importance has gradually become prominent. It is reported that the minimum standard of basic pension for urban and rural residents will be increased by 20 yuan per month, and the basic pension for retirees will also continue to be increased, and the national overall pension insurance will be continuously improved. In addition, the implementation of the national personal pension system and the development of the third pillar pension insurance will further promote the development of pension finance.
In response to the current problem of age-friendly facilities in the field of public health, Zhou Yanfang, a deputy to the National People's Congress and director of the CPIC Strategic Research Center, put forward her view of "suggestions on promoting young people's participation in the allocation of personal pensions". She said that the enthusiasm of post-90s young people to participate in personal pension accounts still has great potential to improve, so it is recommended to guide them to participate more deeply through tax incentives and other means. In addition,She proposed to adjust the annual contribution amount of personal pension when the upper limit has reached 20,000 yuan, increase tax incentives, and attract more middle- and high-income young people to join.
On the other hand, in response to the current problem of elderly services in the medical field, Ding Mei submitted a detailed proposal called "Suggestions on Comprehensively Improving the Age-Friendly Level of Public Medical Institutions". She is deeply concerned about the problem and hopes to develop a more humanized platform to facilitate the operation of the elderly. She advocates the development of a voice search function in the shopping guide system to provide convenience for the elderly group. Finally, she suggested that staff and volunteers should be stationed at kiosks, such as kiosks, to help patients who don't know how to use smartphones.
The report highlights the need to strengthen the health care system
The report sets out the goal of improving the capacity of medical servicesThis includes filling gaps in services in areas such as pediatrics, geriatrics, mental health and medical care. Liu Meilin, chief physician of the Department of Geriatric Medicine at Peking University First Hospital, plans to put forward a proposal to strengthen the grassroots chronic disease management system and talent team construction at this year's two sessions. She believes that the team of primary hospitals and family doctors can better perform their duties, provide high-quality medical care, attract more patients to visit primary hospitals, alleviate the difficulty of arranging beds for the elderly in tertiary hospitals, arrange treatment of complex cases in a timely manner, and at the same time find potential health problems by strengthening the health risk assessment of the elderly, give professional health guidance, and classify the management of the elderly.
Ding Mei, a member of the National Committee of the Chinese People's Political Consultative Conference (CPPCC), also noted the difficulties faced by the elderly in the process of seeing a doctor. Although the intelligent healthcare reform has brought about changes in the way medical care is provided, it is worth pondering the questions that come with it, especially how to help the "silver-haired" adapt to this change and ensure that they are not left behind. To solve this problem,Ding Mei is ready to submit a document called"Proposal on Comprehensively Improving the Age-Friendly Level of Public Medical Institutions".In her proposal, she suggested transforming the regional ** platform, streamlining the operation process, providing easy machine interaction and guided operation processSet up one-click access and voice search features specifically for seniors. In addition, she also proposed to create a new way to find the appropriate hospital or department based on the disease or disease. For elderly patients who are unable to use smartphones proficiently, manual service desks should be set up at self-service terminals and other locations so that these groups can also enjoy meticulous services.
The key is to improve talent training and optimize the long-term care insurance system
In the work plan announced in this year's work report, elderly care services are emphasized. The report points out that in addition to promoting the steady growth of consumption, it is also necessary to expand the scale of old-age, childcare and housekeeping services, improve their quality, and guide social forces to participate in community services. At the same time, in the work plan to promote employment and income, it is particularly important to meet the needs of all kinds of talents and increase vocational skills training. In terms of speeding up the progress of social security and services, the report also proposes to actively build a long-term care insurance system.
Taking this opportunity, Liu Ying, a member of the National Committee of the Chinese People's Political Consultative Conference (CPPCC), put forward a corresponding strategy after in-depth investigation and research: "Although there are a large number of elderly people who need to be cared for, it is difficult to retain professional caregivers. If a long-term care insurance system is established, it will certainly help the development of nursing homes. ”To this end, she called for the improvement of the bill to "establish comprehensive long-term care insurance as soon as possible".
Wu Guoping, a deputy to the National People's Congress, also put forward relevant opinions. He suggested paying attention to the market segmentation of the pension industry and in-depth understanding of the consumption needs of the elderly, and further increasing the support for the "new elderly" pension industry. himEncourage the development of new pension products such as cultural tourism pension, education pension, cultural and entertainment pension, etc., in order to more effectively meet the needs of the "new elderly". In addition, he advocated strengthening the supervision of pension institutions and promoting them to standardize standards; Specifically, it includes the establishment of a first-class open system to defend the rights and interests of the new elderly, and the introduction and training of more professional quality pension service personnel, in order to improve the quality of service.
1.Construction of facilities for the elderly in old residential areas
In order to upgrade the quality of the city and create a better living environment, the report emphasizes that urban renewal actions should be carried out to solve the problems of elevators and parking in old residential areas, and at the same time strengthen the transformation of barrier-free and age-appropriate facilities. This will help us build more convenient, smart, and resilient urban spaces.
2.Discussion on home renovation for the elderly
Sun Jie, member of the National Committee of the Chinese People's Political Consultative Conference (CPPCC), professor and vice president of the School of Insurance of the University of International Business and Economics, brought suggestions on "increasing the transformation of homes for the elderly". She believes that the renovation of homes and communities for the elderly can help cope with the challenges of population aging and improve the quality of life of the elderly. Especially for residential buildings that need to be renovated but the progress is lagging behind, such as 3-4 storey tube buildings, simple buildings, etc., Sun Jie suggested that they should be paid attention to. At the same time, a work ledger for the renovation of the elderly with special difficulties should be established in the old city to strengthen the supervision of this work.
3.Elevators and safety enhancements in old buildings
Nie Zhuqing, member of the National Committee of the Chinese People's Political Consultative Conference, chairman of Pengxin Group, and vice president of the Guangdong Provincial Knowledge Federation, plans to put forward "comprehensive suggestions on solving the problem of installing elevators in old communities and strengthening elevator safety". He observed that the lack of elevators in old houses caused some elderly people to be unable to move and not go out for a long time. Therefore, he called for the formulation and implementation of national standards and specifications for the installation of elevators according to the actual situation, and at the same time establish and improve the long-term management mechanism for elevator operation and maintenance.
Enhance the R&D and practical application of humanities and technologies such as health and elderly care
In addition to emphasizing the acceleration of the improvement of scientific research strength, the report also focuses on the R&D and practical application of humanities and technologies such as health and elderly care. In this regard, many experts and scholars have offered suggestions and suggestions. For example, Ma Yide, a deputy to the National People's Congress and dean of the School of Intellectual Property of the University of Chinese Academy of Sciences, strongly appealedLarge enterprises should be encouraged to actively promote the intelligent application of "AI + home decoration" and "AI + elderly care".We are committed to the research and development of technologies and products that can better meet the needs of smart community life. At the same time, he proposed that unified standards and regulations for the construction of smart communities should be set up, covering four aspects: technology, management, application and security, so as to ensure that information exchange and data exchange can be effectively realized between various communities. In addition, he also advocated that we should cultivate the concept of big data, dig deep into community information resources, and promote the open sharing of big data across regions, industries and even departments; At the same time, it is necessary to build a digital community space and create a community governance database to comprehensively improve the coverage of community information and data service capabilities, and it is also necessary to build a network infrastructure suitable for smart communities.
Jin Li, a member of the National Committee of the Chinese People's Political Consultative Conference (CPPCC) and vice president of Southern University of Science and Technology, said that we need to use cutting-edge science and technology such as robotics, voice recognition, big data, artificial intelligence and blockchain to make them widely used in the important industry of elderly care, so as to create a complete closed loop of scientific and technological innovation.