After the square dance, the pension industry is increasingly favored by capital?

Recently, residents of Beijing, Shanghai and other areas in China have indicated that public pension institutions have been “hard to find”. According to statistics, from the perspective of China's total population and the proportion of the elderly, China's population over 60 years old has accounted for 15.5% of the total population at the end of 2014, and will nearly double by the middle of this century. Not only that, according to the constant population of “populated population + floating population” in a region, large cities such as Shanghai and Beijing are not the most serious due to the net inflow of perennial population. Many central and western regions, such as Sichuan and Chongqing, are not the most serious. The problem of aging is more prominent. It can be said that China is already on the road to accelerating aging.

At the same time, it can be seen that the pension market has great potential. The elderly population has increased dramatically, bringing a new engine of growth. In the next 5-10 years, the pension industry will achieve spurt development.

On the one hand, the first batch of middle-aged aging and retirement tides will bring about changes in the old-age market, and older people with strong spending power have gradually emerged in cities. This group has a high level of cultural level, good economic strength, and long-term stay in big cities, strong ability to accept new things, high acceptance of new ways of supporting old age, and strong willingness to improve living conditions.

On the other hand, the rise of the city's new middle class will bring new pension consumption growth. In recent years, China's national economic development has been continuously improved, and the number of high-net-worth individuals has increased. In 2016, it reached 1.34 million, an increase of 10.7%. For the monthly institutional pension expenses of thousands or even tens of thousands, high-net-worth people have sufficient ability to pay, but they face the enormous burden of work, but also take into account the double burden of supporting the elderly and caring for children, time and energy can not Very good balance.

Therefore, this generation will have two effects on the pension industry: one is the “elderly benefit” effect, that is, the elderly population increases, they often do not have the time and energy to take care of the elderly themselves, and urgently need the help of the old-age institutions and the community; the second is the individual With the rising consumption power, this group has strong economic strength and can afford high-quality, high-start home-based care, community pension and old-age care institutions.

Under the influence of these two aspects, we can see that the development of China's old-age service industry will usher in a golden period, and this middle class will also force the rapid development of the old-age industry. However, although the pension industry has great potential, the penetration of the Internet is not very deep. In the face of the pension demand of 230 million people, the market has not broken out. Why is this?

In 2017, although the pension policy was concentrated. The state's directives on home pension, smart pension and other pension models are expected to be strong, symbolizing the development of the pension market into the fast lane.

However, in terms of capital response in the past year, the investment and financing of the pension industry in 2017 can be said to have fallen to the “freezing point”. As of November 1, 2017, there were only 3 financings in the whole field, and the scale was small. 35 million yuan. The startup is still in the continuous exploration of the mature business model. Why is it that the industry is in urgent need of Internet model development? It is mainly due to several reasons.

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