Pay first and then provide for retirement? How to tie a "safety rope" to your pension "money bag"
In recent years, some elderly care institutions have adopted a pre-charge model for reasons such as quickly withdrawing funds and increasing customer stickiness. However, after some elderly care institutions collected large amounts of fees in advance, they failed to perform their obligations in accordance with the contract, the fund management and use were irregular, and the capital chain was broken and went bankrupt. There are also some criminals who illegally raise funds through advance fees and other forms.
In order to strengthen the supervision of pre-charges for elderly care institutions, on May 10, seven departments including the Ministry of Civil Affairs jointly issued the "Guiding Opinions on Strengthening the Supervision of Pre-charges for Elderly Care Institutions". What new regulatory measures does this opinion include? What role can it play? How will it be implemented effectively? "News 11" Bai Yansong connected with Du Peng, director of the Institute of Gerontology at Renmin University of China, to explain relevant issues.
Du Peng, director of the Institute of Gerontology at Renmin University of China: Improving the comprehensive supervision of elderly care service institutions is actually for higher-quality elderly care services and higher-quality development. While we are seeing standardized and strengthened supervision, we have made clear regulations on prepayment, related deposits and membership fees. At the same time, there are some new elderly care institutions entering this field. In particular, we will encourage more investment in the future. When private institutions enter the field of elderly care services, they should also actively look for another way to enable them to obtain low-interest loans and obtain more financing channels. Therefore, while supervising, we will also create more favorable conditions to encourage them to enter such a service field in the future.
Du Peng, Director of the Institute of Gerontology at Renmin University of China: First of all, the National Elderly Care Service Information System must be given full play to its role. For example, the specific situation of each elderly person living in a nursing home institution must be comprehensively assessed on his or her self-care ability. capabilities, what services should be provided every month, and how to charge accordingly. Only with these basic data can we know how the relevant fees are collected, and what kind of standard the service he receives is. Therefore, we must first establish a basic data system to understand the basic situation of each elderly person living in a nursing home. Only by linking this information with the institution's fees, deposits, and third-party financial supervision information can we know whether there are any changes in the use of funds. , is it normally used in the business development of nursing homes?
The prepayment period for nursing homes must not exceed 12 months
Du Peng, director of the Institute of Gerontology at Renmin University of China: Generally speaking, some private elderly care institutions will be more affected by this regulation. For some public institutions, because they have existed for a long time and have been in operation for a long time, a large number of assets were spent by the government in terms of land use and facility establishment, including current operations, so they are in The operating charges are relatively small. In private elderly care institutions, there are two situations. One is asset-light. For some public facilities that have been built, private institutions intervene. Relatively speaking, the charging pressure is relatively small. The pre-charging cycle of nursing homes must not exceed 12 months. For their overall operations, It won't cause any big problems. However, there are still some that have just invested heavily in elderly care service institutions in the past two years. From land to facilities and equipment, a series of investments may be relatively large. The upper limit of fees stipulated in the "Guiding Opinions on Strengthening the Supervision of Prepaid Fees in Elderly Care Institutions" has This part of the elderly care institutions has a relatively large impact.
Seven departments issued guidance to strengthen the supervision of pre-charges for elderly care institutions.
The "Guiding Opinions on Strengthening the Supervision of Pre-charge Fees in Elderly Care Institutions" requires all localities and departments to strengthen the supervision of pre-charge fees in elderly care institutions and establish and improve a cross-departmental working mechanism for the supervision of pre-charge fees in elderly care institutions by 2025. The opinions will be effective from October 1, 2024 Implemented and valid for 5 years.