Since 2013, the State Council issued policies to encourage social forces to develop pension services，Clarifying the main position of social forces in the development of pension services，The market -oriented pattern of pension service is gradually opened，Pension enterprises have sprung up like rain。After ten years of development，The pension industry has formed a market -oriented competition pattern involved in the diverse of enterprises，It can be summarized as the following three development paths。

First, the real estate company expands the pension business，Create a continuous care retirement community (CCRC)，Make the elderly can continue to live in a familiar environment when the health and self -care ability change，and get a care service corresponding to the physical condition。Second, the insurance company develops pension business，Mainly relying on the strong capital strength of the insurance company and the synergy effect of the insurance business，Provide high -end pension services and products for high -income people。Third, the medical institution expands the pension business，Mainly rely on the hospital's medical resources support，Related care services that focus on the development of medical and care integration。You can see，The development model of pension enterprises is often related to the original main business of the business entity，Mainly superimposed pension services on the basis of the original main business。What are the benefits of these market -oriented development paths，What bottlenecks are currently Bet365 lotto review encountered，How to break through the bottleneck，These problems need to be analyzed in depth and research、Provide a plan and propose the appropriate development direction。

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Through investigation research，We found，The advantage of the above development model lies in supporting the elderly business、Fund is guaranteed，But at the same time there are various problems。First, the product positioning is relatively high -end，To a certain extent, the demand for the public for the elderly。Whether it is real estate、Insurance or medical enterprise，The old -age care business for its development is often high，can only meet the pension needs of a small number of high -income families，and ignore the needs of the majority of low -income families，Pratt & Puisable Pension Service urgently needs to be further developed。Second is the insufficient service effective integration。Open the new business format for traditional industries，Following its original development logic and track，Rarely integrates products and services in other industries，The function of the elderly service is relatively single，The systemic integration and collaboration of lack of multi -business products and services。

Although there are several bottlenecks in this development model，But in the context of aging and deepening and vigorous development of the "silver -haired economy"，Pension companies also face many development opportunities。First, the market size is huge。In the future，The huge elderly population can provide a considerable number of target consumer groups for the pension market。other，Unlike Chinese traditional elderly people advocating frugality、Introduction to exit、Consumption characteristics Bet365 lotto review of careful calculation，The consumption capacity of the new generation of elderly people born after 1960、Consumption willingness is significantly enhanced。Second, "Actively Cultivating Silver Economy" has become the main task of aging work in the new era。"The Fourteenth Five -Year Plan of the National Economic and Social Development of the People's Republic of China and the Outline of the Metropolitan Scenery Target in 2035" proposes "Implementation of Actively Copy Population Aging National Strategy"。Central Committee of the Communist Party of China、The Opinions on Strengthening the Work of Aging in the New Era of the State Council will "Actively Cultivate Silver Economy" as one of the main tasks of the aging work in the new era。Pension will be used by life to enjoy the type、Development type、Participating transformation，Realize from pension to enjoying the old，A large number of multi -layers required for the elderly、Personalized、High -quality、Enjoying services mostly need to be provided by the market，Provides a broad prospect for the development of the pension industry。

　Urban Pension Systematic Operation advantageous resource systemic integration

For the above problems and challenges，Combined with the development opportunities of pension enterprises，The research team is in the process of investigating the marketization of pension services，Analysis believes that the marketization of pension services breaks through the bottleneck，In the vertical establishment of an elderly service system suitable for full -time and full -income level，Integration path of cross -open pension resources and other resources。Current，Several excellent cases in the industry，For example, Jiu Rucheng Pension Group through "systematic pension" construction bet365 live casino games and "medical、Kang、Nourishment、Teaching、Research、Brigade "Six -in -one exploration，Walking out a road that might lead the market -oriented development of future pension services。

Xuzhou City is the second place in the population in Jiangsu Province，Seventh Population Census Data Show，In 2020, Xuzhou City has a permanent population of 9.08 million，Among them, 60 years old and above account for 19.51%。Over the years，Affected by the imbalance of regional economic development，The labor population is transferred to economically developed areas，Xuzhou's population aging presents a large population base for the elderly、Growth、High proportion of elderly people。2016，With the signing of two consecutive projects with the Xuzhou government，Jiu Rucheng Pension Group officially opened the Xuzhou Pension Market。Jiu Rucheng builds privately in Xuzhou City、Public Construction Private、self -employed、Various forms of commissioned operations to operate urban nursing home projects，and use the pension complex as the resource carrier，Urban Nursing Home as the core，Extend the health care service to the community and family，Formed "Pension Complex -Urban Nursing Home -Community Pension -Home Pension" level 4 -level pension service system。Pension complex is equivalent to pension resource support centers，It is both business resource center，It is also a training resource center、Education Resources Center、Evaluation Guidance Resource Center and Foreign Relations Integrated Resource Center。The resources of the complex can radiate to the pension institution，Further extended to the community for the old service center and home care service。The banner of the fourth -level pension service system Bet365 app download is the pension complex，The pension institution is the main trunk of this system，A specific area of ​​radiation through the pension institution。Community pension is the branches of the fourth -level pension service system，Connect 10 million families through the community。Home Pension is the root of the elderly，The elderly who need to take care of the direct service。Current，Jiu Rucheng's fourth -level pension service system in Xuzhou has been fully presented，3 pension complexes in construction and operation、7 pension institutions、More than 50 home care service centers，and carry out home -door service through the home call platform。

The systematic operation of the elderly service，Products and services is more universal，Cover more service objects and reflect a large -scale service ability，Its advantages are mainly reflected in the following points。First to meet the needs of most elderly people's life cycle for the whole life cycle。As mentioned earlier，The target customer group of many pension companies in the past is often high -income elderly，and Jiu Rucheng through the construction of the fourth -level pension service system，It can also meet the basic pension needs of low -income elderly people。The second is to better realize mutual support between levels within the system。resources between levels can be shared，Large -scale operation is conducive to the construction and benign operation of the system，And cost control is more advantageous。Third is the advantage of connecting with the government。Mincarination of many pension companies has brought greater challenges to government management capabilities，Therefore, the government welcomes the systematic regional pension solution。A regional system -based pension plan，In addition to better Bet365 lotto review meet the multi -level pension needs，It is also easier to get local government support。You can see，certain scale effects and market concentration help improve the overall operating efficiency and resource utilization efficiency，It also helps reduce costs and release higher value。

While building a fourth -level pension service system，Jiu Rucheng strives to develop and integrate "Medical、Kang、Nourishment、Teaching、Research、Brigade "six -in -one function，Meet the diverse needs of the elderly。Among them, the fusion of rehabilitation resources and pension resources is the most closely。In every level of the pension service system at the fourth -level pension service system of Jiu Rucheng，Tightly combining pension and rehabilitation，Establish a rehabilitation hospital in the pension complex，Equipped with rehabilitation medical centers in urban nursing homes，Equipped with a rehabilitation room at the community day care center，There is a rehabilitation group in home services。In the case where the number of elderly people disabled and semi -disabled increases year by year，The significance of rehabilitation medicine gradually highlights。Jiu Rucheng will manage health management in Xuzhou、Rehabilitation System、Full integration of the pension system、Support each other、Coordinated symbiosis，helps to develop in -depth development for the combination of medical care，It is also in line with the development trend of future care services。

It is not difficult to see，The systemic construction of the elderly service system will penetrate the recreational resources of different levels through the integration，Xuzhou's pension service system covers a complex、Nursing Home、Different subjects such as the community and family，Forms a pyramid bet365 best casino games type mode，Create "institution" from "System"，So regional、Systematically solve the problem of marketization of pension services。

　(Author is an associate professor in Wuxi Taihu College; PhD in the School of Social Development and Public Policy of Fudan University)