The number of births in 2023 will be 9.02 million, with negative growth for two consecutive years!
"Growing old before getting rich" is something we don't want to face, but it still happens.
In 2022, the number of births in mainland China will fall below 10 million, to only 9.56 million.
Today, the National Bureau of Statistics released data showing that the country's population was 140967 at the end of the year, a decrease of 2.08 million from the end of the previous year. There were 9.02 million births and 11.1 million deaths. For the second year in a row, there has been a negative population growth.
The mainland's birth rate fell more than expected
In 2021, the proportion of the population over 65 years old in mainland China reached 14.2%, entering a deeply aging society, and the process of aging is relatively fast. According to the United Nations' World Population Prospects (2019), China's elderly population will peak between 2050 and 2060, and is expected to enter severe aging in 2035.
Severe ageing means that more than 21% of the population is over 65 years old.
The mainland has entered a deep aging population
In this context, actively responding to aging has become a national strategy.
In October 2020, the Fifth Plenary Session of the 19th Central Committee of the Communist Party of China (CPC) clearly put forward the "implementation of the national strategy of actively responding to the aging of the population" based on the new stage of development.
In 2021, the 14th Five-Year Plan and the Outline of the Long-Range Objectives Through the Year 2035 adopted by the National People's Congress and the National People's Congress proposed to "implement a national strategy to actively respond to population aging".
The report of the 20th National Congress of the Communist Party of China also clearly mentions the establishment of a fertility support policy system and the implementation of a national strategy to actively respond to the aging of the population.
It can be seen that future fertility support and active response to the aging of the population are national strategies, and they are major issues that need to be addressed and solved by the joint efforts of the whole society, so as to fully ensure that the elderly are supported.
With the support of the national strategy and the rapid expansion of the market, the pension industry has become an outlet and a hot spot, and the next two or three decades will usher in a golden period of development.
The sense of smell of capital is keen, and if you start to lay out the pension industry now, you have obviously lost the opportunity. There are many large capital groups that began to lay out the pension industry as early as ten years ago.
The entire pension industry can be divided into upstream, middle and downstream.
The upstream is engaged in heavy asset business such as investment, development and construction, the midstream is engaged in service operation and management, and the downstream is engaged in the supply chain of market customers.
Pension industry chain
From the perspective of the pension model, it can be divided into home care, community care and institutional care.
Home care is the most common, the elderly spend their old age at home, supplemented by child care, the cost is relatively lowest, but it needs to be improved by age-appropriate transformation, remote monitoring and professional home services. At present, the long-term care insurance that has been included in social security and piloted in 49 cities mainly responds to home-based elderly care.
Home-based care model
The main body of community care for the elderly is the government, which builds a bridge between home care and institutional care by building community elderly activity centers, community elderly canteens, community health service centers, and providing day care centers, elderly care stations, nurseries and other service places for the elderly.
Community-based elderly care model
Institutional pension is an institution that provides comprehensive services for the elderly, such as diet, daily life, cleaning and hygiene, life care, health management and cultural, sports and recreational activities. There are inclusive institutions with relatively low fees, and there are also mid-to-high-end pension institutions with higher costs.
Inclusive institutional pension model
Mid-to-high-end institutional pension model
Among the mid-to-high-end pension institutions, real estate companies, insurance companies, pension service operators and foreign-funded enterprises are the most active market players, creating a number of health care and pension theme communities integrating pension, health care, medical treatment, culture, accommodation, and sojourn. There are also capital enterprises that will further integrate into the big health, tourism and vacation industry chains such as commercial shopping, catering, education and training, rehabilitation physiotherapy, and restoration and health care, so as to create a commercial health and wellness theme town.
Retirement Theme Community
At present, the earliest and largest institutions in the insurance industry include Taikang, Everbright, Taiping and so on.
A key insurance enterprise in the pension industry
However, the cost of living in such a retirement community is expensive, at least tens of thousands of yuan per month, and some conditions need to be met to grab the qualification to move in, such as the purchase of a policy with a total premium of 2 million yuan and so on......
It seems that if we want to live a good life after retirement, we still need to earn more rice!