Test: 99% of the community pension service enterprises in China will die.
in the current trend, 99% of enterprises currently doing community care in China will face a severe test, and may not even survive. Possibility。
1, what services do we need to provide for the elderly?
actually, after getting old, you need 3 basic services.
1. dining
eating is the most basic requirement of survival. After the old, the income is reduced, and at the same time may not be able to cook, so the first thing to solve is to solve the problem of eating: you can eat every day, and do not need to do it yourself.
2. takes care of
someone is old enough to eat, dress, go down, go to the bed, go to the toilet, walk, and bathe. Therefore, someone needs to take care of themselves and help them accomplish these things.
3. medical
people are old, all kinds of organs and functions are seriously degraded, diseases are ridden, and doctors need help to solve their ailments.
therefore, delivering meals, taking care and medical treatment are the 3 basic services for providing for the aged.
two, on the problem of institutional pension and community pension in China's old-age pension model
in China, the old-age mode is divided into three modes: family pension, institutional pension and community pension.
1. family pension
it is to say that after people are old, they are completely taken care of by family members, meals from family members, help to complete clothes, bed, toilet, walk, bathing and so on, sick also from family members to the hospital and take a look.
China's old-age care has been this since ancient times, but now, because of the one-child policy, and heavy work, this model is unlikely to be realized. If you are, do you think you can provide these 24 hours to take care of your parents in 24 hours?
2. Institutions Pension
in short, the elderly who need 3 basic services are sent to nursing homes. This is the main way of existence at present, but this method is very problematic:
(1) the price is too high for most of us to afford.
live in a professional nursing home, which costs at least these items: room, meal, care, medical expenses, and the profit of the pension institution.
(2) nowadays, with the disappearance of acquaintances' social relations, serious psychological problems are arising.
first because of leaving home, without social acquaintances, the feeling of loneliness in a moment; next to be sent to a nursing home, it is easy to produce the feeling of death, looking at a lot of old age in the nursing home, the death of a lot of age, the direct serious blow, the serious cause depression.
3. community pension
popular, is to let the elderly live in their own homes, the community professional old-age service institutions to provide the above 3 types of basic services. This way, compared with the institutional pension, for the elderly, the first is to save the cost of housing, the cost seems to be reduced; second is to retain the social relations of acquaintances, and will not lead to psychological problems. It seems that this way of community endowment is perfect, but the vast majority of community pension service enterprises simply can not survive. Where is the problem?
three, there is no way to support their own community pension service enterprise
for the institutional pension service, its cost is the cost of care of the housing fee. At present, the least expensive institution pension month is about 2000 yuan.
for community care services, the cost is: the cost of meals, medical care fees, seems to be much cheaper than institutional pension.
but in fact, the service cost of community pension is higher, the core reason is that the number of consumers in a community is insufficient, and the cost of service can not be diluted. At present, in a community, the elderly who need to provide 3 basic services are basically aged, incompetent and elderly, and this type of elderly accounts for about 10% of the number of elderly people over 60 years of age in the community.
for example, in a 10000 person community, the number of elderly people over 60 is generally 15% (the current Chinese average), that is, 1500, of which about 150 are required for these 3 basic services.
here, you can make a simple estimate.
meal fee: three meals a day sent to the door, assuming 20 yuan a day, excluding distribution, the minimum also 600 yuan / month;
care fee: the cheapest from the rural life nursing staff, at least 2000 yuan / month, less no one;
medical fee: find a cheapest professional doctor home suit Work, at least 100 yuan a week, at least 400 yuan per month;
the cheapest is 3000 yuan / month. In fact, you look at the estimated price. In most cities, it is almost impossible to find the service at this price.
the average wages of ordinary people in China will not exceed 2500 yuan per month. Therefore, most of the common people in theory are unable to live in their own homes to get a complete community pension service.
so, such as the community, even the analysis of 150 elderly people need 3 basic services, because of economic reasons, only 10% can afford, and about 15 of the elderly will accept the price.
but why institutional pension companies can pay 2000 yuan / a month to do it, and community pension service companies are hard to survive if they charge 2000 yuan per month?
the reason is that the number of consumers in a community is too small to be able to dilute the cost of services.
for example, a chef, 3 meals a day for an old man, 600 yuan per month, is almost impossible, because this can not meet the expectations of the chef's monthly income. But if he makes 3 meals a day for 20 old people (1 people's rice and 20 people's meals, the amount of work is a little difference), and the amount of the work is a little different. It is possible to receive 600 yuan per person, because 20 people can receive 12000 yuan. According to the routine, it can make about 20% profit, that is, 2400 yuan, which can satisfy a regular chef for the month collection. The expected value of the entry.
, according to a number of third party businesses that once provided community old restaurants, it was estimated that a community had to reach 2000 orders per day, and the community old restaurant was able to save the book, which was obviously impossible.
pension professional institutions, the small number of community needs 3 basic elderly services for the elderly to gather together, so can barely achieve the maximum efficiency of a customer scale and the number of service personnel, the cost of service, so as to achieve a flat or small profit.
and if a third party service organization is set up in the community to provide 3 basic services, it will never reach the highest efficiency matching state of the customer size and the number of service personnel. In this case, if the price of 2000 yuan per month is at a loss, it is impossible to achieve a flat or profit. Generally speaking, at least 4000 yuan per month should be charged at a price, and it is possible to be flat or a small profit.
in fact, in most of the communities in China, more than 4000 yuan per month for community services, 90% of the ordinary families are hard to afford.
so, in China, there have been no third party enterprises that can provide a sustainable community pension system for community elderly.
four, how to make your own enterprise become the 1% community retirement service enterprise that can survive?
from the above analysis, if the provision of community pension services, if the charge is higher than 3000 yuan per month, the vast majority of ordinary people can not afford to afford and continue to use, if the charge is less than 4000 yuan / month, the vast majority of the community pension service enterprises can not survive, this is the present situation.
here, a community pension service enterprise (hereinafter referred to as A enterprise) provides a feasible solution. The core of
A's community pension mode is the "community based public purse subsidy mode based on mutual assistance and shared service delivery mode".
1. based on the community public wallet subsidy model
Community Public wallet is a community mutual insurance system jointly operated by the B public fund joint information technology company, and the A enterprise is the exclusive pension payment system of the B public welfare foundation.
it is simple: Community pension services provide community pension services at 4000 yuan per month, and community elderly can receive third party services at 2000 yuan per month or even lower prices, because community public purses provide the community elderly with a differential allowance and 4000 yuan per month for the old. People have subsidized 2000 yuan per month or more. Here, the allowance for the elderly is set according to its A privilege index. The A index of the elderly is 5%-90%. For example, if it is 65%, the benefit of the elderly is 4000*65%=2600 yuan per month, and the old man needs to pay 4000 yuan -2600 yuan =1400 yuan per month, and this price can fully afford the overwhelming majority of the ordinary elderly.
how to make the elderly get a higher A privilege index, this is very simple, only the daily consumption of the elderly and their children will be consumed in the community store (A business) and the authorized stores around the community.
2. based on mutual sharing service delivery mode
A enterprise another core mechanism is to use community mutual assistance sharing model to provide community pension service system. The
A enterprise, by recruiting and training idle people in the community, makes them community chefs capable of providing meals to the elderly in the same community, and provides community care workers for the elderly in the same community so that the cost of human resources is greatly reduced and the price of services below 4000 yuan / month can be provided. The service price of 3000 yuan / month can also achieve a small profit, so that the elderly who need pension services in the community can afford the service price, and at the same time, the sustainable development of the enterprise can be realized.
in a comprehensive way, the "community public wallet subsidy community mutual aid and sharing model", A enterprises become the only professional service institutions in the community that can provide community pension in the community.
we will all be old, will face the pension problem, we encourage and advocate good old-age enterprises.