Yinfa [2016] No.65
In order to implement the spirit of the 18th National Congress of the Communist Party of China and the Third, Fourth and Fifth Plenary Sessions of the 18th Central Committee, and the Opinions of the State Council on Accelerating the Development of the Aged Care Service Industry (Guo Fa [2013] No.35), the Notice of the General Office of the State Council on Forwarding the Guiding Opinions of the Health and Family Planning Commission and other departments on Promoting the Work of Combining Medical Care with Nursing Care (Guo Ban Fa [20 16] vigorously promotes financial organizations, products and services. We hereby put forward the following opinions:
First, fully understand the significance of doing a good job in financial services in the field of old-age care
(1) Accelerating the development of the aged care service industry requires innovative financial services.
At present, China has entered the rapid development stage of population aging. Developing the service industry for the aged and strengthening the construction of the social service system for the aged are the important contents of actively coping with the aging population and promoting the structural reform of the supply side, the only way to adapt to the transformation of the traditional old-age care model and meet the growing demand for old-age care services of the people, and the urgent task of building a well-off society in an all-round way. Based on the national conditions, we should correctly handle the relationship between the government and the market, speed up the establishment of a social pension service system, and urgently demand the improvement and innovation of financial services, increase financial support, widely mobilize social capital to participate, increase social pension wealth reserves, enhance the ability to pay for pension services, and ensure the smooth realization of the strategic goal of "providing for the elderly".
(2) Doing a good job in financial services for the aged is an inherent requirement for the transformation and upgrading of the financial industry itself.
Under the trend of financial marketization, internationalization and diversification, the traditional business and development model of financial institutions are facing challenges, and the financial industry has entered an important stage of transformation and upgrading. Strengthening financial support to effectively meet the fast-growing development of the aged care service industry and the demand for financial services in the aged care field is an important means to increase the medium and long-term capital supply in the capital market, promote the development of the financial market and optimize the financial structure, an important opportunity for financial institutions to expand new business, and an important way to transform and upgrade the financial industry. All financial institutions should enhance their strategic awareness, speed up the business development planning and market layout in the field of old-age care, strive to improve and enhance the level of financial services, and realize the benign interaction between supporting the old-age care service industry and its own transformation and development.
Second, the overall requirements
(3) guiding ideology.
In accordance with the decision-making arrangements of the CPC Central Committee and the State Council on actively responding to the aging population and accelerating the development of the aged care service industry, starting from meeting the growing demand for multi-level and diversified financial services in the aged care field and aiming at improving the allocation efficiency of financial resources in the aged care service industry, we will coordinate all kinds of financial resources, continue to promote reform and innovation, establish and improve financial organizations, products, services and policy systems conducive to the accelerated development of the aged care service industry, and effectively improve and enhance the level of financial services in the aged care field.
(4) Basic principles.
First, adhere to market dominance and policy support. Guided by marketization and government support, on the premise of realizing business sustainability, we will improve the incentive and restraint mechanism and promote the allocation and inclination of financial resources to the field of aged care services. The second is to adhere to local conditions and classify services. Based on the development of regional pension service industry and the actual needs of residents, we will actively explore and innovate financial products and service methods corresponding to different forms of pension services such as home pension, community pension and institutional pension, and provide targeted financial services. Third, insist on highlighting key points and paying attention to actual results. Strengthen the connection between financial support and various planning policies for the development of the aged care service industry, focus on meeting the needs of "providing for the elderly", promoting the combination of medical care and nursing care, and building a socialized aged care service system, increase financial support, break down institutional and institutional obstacles that restrict financial services, and strive to seek breakthroughs in key areas.
(5) development goals.
By 2025, a financial service system with wide coverage, complete types, full functions, efficient service, safety and stability, adapting to the aging process of China's population and meeting the requirements of a well-off society will be basically established. The financial institutions that promote the development of the aged care service industry are more multi-layered, the products and services are more diversified, and the ability and level of financial support for the aged care service industry and meeting the needs of residents for the aged are significantly improved.
Third, vigorously improve the multi-level financial organization system and promote the development of residents' pension and pension service industry.
(6) Innovative professional financial organization forms.
Support qualified financial institutions to optimize and integrate resources and improve the level of financial services in the field of old-age care. Encourage financial institutions to combine supporting the aged care service industry, developing personal pension-related financial services and strategic transformation, and explore the establishment of a pension financial business unit system. Support financial institutions to set up professional financial development teams, specialized branches and other financial service franchises in areas or branches where conditions permit, so as to improve the professional level of financial services.
(seven) support all kinds of financial organizations to carry out financial services in the field of old-age care.
Encourage banks, securities, insurance, funds and other financial institutions to actively respond to the development requirements of an aging society, optimize the internal organizational structure and management system, and enhance the financial service capabilities in the field of old-age care. Encourage financial leasing companies to develop products suitable for the characteristics of the aged care service industry and at fair prices, and provide financial services such as financial leasing. Encourage trust companies to take advantage of the trust system and actively develop various types of old-age security trust products to meet the financial service needs of residents in the field of old-age care and support the development of the old-age service industry.
(eight) actively cultivate the financial intermediary system to serve the elderly.
Encourage financial institutions to innovate the cooperation mode with financing guarantee institutions, mainly government financing guarantee institutions, and guide various financing guarantee institutions to increase their support for the aged care service industry. Actively guide credit reporting agencies and credit rating agencies to carry out credit reporting and rating services for the aged care service industry, and encourage banks to cooperate with credit reporting agencies and credit rating agencies to provide classified support for aged care service agencies. Support the development of intermediary service institutions such as law, evaluation and accounting suitable for financial innovation in the field of pension, encourage financial institutions to cooperate with pension information and intelligent service platforms, and provide more efficient financial services by using "internet plus" big data resources.
Fourth, actively innovate credit products and services suitable for the characteristics of the aged care service industry.
(9) Improve the credit management mechanism of the aged care service industry.
Encourage banking financial institutions to formulate credit policies for the aged care service industry, develop characteristic credit products for the aged care service industry, establish credit approval, credit rating, customer access and interest rate pricing systems suitable for the aged care service industry, and provide differentiated credit support for the aged care service industry. Encourage banking financial institutions to cooperate with civil affairs departments and industry associations to carry out special training for old-age credit and improve the professional level of credit services.
(ten) to speed up the innovation of old-age service loans.
Encourage banking financial institutions to innovate loan subjects, and provide loans with investment enterprises or individuals as loan subjects to pension service institutions established by enterprises or individuals under the premise of controllable risks. For qualified individuals to invest in the establishment of small-scale pension service institutions, or to attract small and micro pension service enterprises whose employees meet the policy requirements, we will actively use the business guarantee loan policy to give support. For the old-age service projects with long construction period and stable cash flow, banking financial institutions are encouraged to extend the loan period appropriately and flexibly adopt various repayment methods such as revolving loan, annual review system and installment.
(eleven) to broaden the scope of mortgage guarantee for the aged care service industry.
Encourage banking financial institutions to explore the use of fixed assets such as land use rights and real estate with clear property rights obtained by pension service institutions as collateral and provide credit support. Encourage banking financial institutions to actively carry out mortgage loan innovations such as accounts receivable, movable property, intellectual property rights and equity to meet the diversified financing needs of pension service enterprises. Conditional areas can explore feasible models of mortgage loans for other assets of old-age service institutions under the premise of controllable risks and unchanged nature and use of old-age care institutions.
Five, support to broaden the diversified financing channels conducive to the development of the aged care service industry.
(twelve) to promote the listing and financing of qualified pension service enterprises.
Support mature and stable pension service enterprises to be listed on the main board market. Support qualified listed pension service enterprises to conduct mergers and acquisitions through refinancing methods such as issuing shares. Explore the establishment of a project information cooperation mechanism between the civil affairs department and the securities regulatory department, strengthen the cultivation, screening and reserve of small and medium-sized pension service enterprises, and support qualified small and medium-sized pension service enterprises to go public for financing on the small and medium-sized board, the Growth Enterprise Market and the national share transfer system for small and medium-sized enterprises. Explore the use of various regional equity trading markets to provide share transfer channels for unlisted pension service enterprises.
(thirteen) support the aged care service industry to raise funds through the bond market.
Support mature high-quality pension service enterprises to raise funds by issuing corporate bonds, corporate bonds and non-financial corporate debt financing instruments. Encourage small and medium-sized pension service enterprises to issue small and medium-sized collective bills, collective bonds and private debt, actively play the role of various types of guarantee credit enhancement institutions, and provide credit enhancement support for small and medium-sized pension service enterprises to issue bonds. For the aged care service projects with mature operation and stable future cash flow, we can explore the issuance of project income bills, asset-backed securities and other products based on the future cash flow and income rights of project assets. Support qualified financial institutions to issue financial bonds and credit asset-backed securities, and raise funds to support the development of small and micro pension service enterprises.
(fourteen) to encourage diversified funds to support the development of the aged care service industry.
Support government and social capital cooperation (PPP) to build or develop pension institutions, encourage banks, securities and other financial institutions to innovate financing mechanisms suitable for PPP projects, provide financing support for social capital to invest in pension services, and actively explore financial support models that support the government to purchase basic healthy pension services. Encourage financial institutions to explore the use of equity investment, mezzanine investment, shareholder loans and other forms through the fund model, and increase financing support for pension service enterprises, institutions and projects. Encourage qualified areas to explore the establishment of pension industry investment guidance funds, and guide and drive social capital to increase investment in pension services through phased equity participation and follow-up investment. Encourage investors such as venture capital funds and private equity funds to actively invest in pension service enterprises that are in their infancy and have broad market prospects.
Six, promote the improvement of the old-age insurance system, optimize the use of insurance funds.
(fifteen) improve the multi-level social endowment insurance system.
Further improve the multi-level and multi-pillar endowment insurance system consisting of basic endowment insurance, enterprise annuity, occupational annuity and commercial endowment insurance. Promote the construction of a fair, unified and standardized basic old-age insurance system for urban and rural residents, and give play to the important role of social insurance in ensuring basic life. Vigorously expand enterprise supplementary endowment insurance such as enterprise annuity and commercial group endowment insurance, and promote enterprise supplementary endowment insurance to further cover small and medium-sized enterprises. Promote commercial endowment insurance to gradually become the main undertaker of individual and family commercial endowment insurance plans, an important provider of endowment health insurance plans initiated by enterprises and an active participant in the market-oriented operation of social insurance, support qualified enterprises to establish commercial endowment health insurance plans, and promote commercial insurance to become an important pillar of the social endowment insurance system.
(sixteen) to accelerate the innovation of insurance products and services.
We will carry out a pilot program of personal tax deferred commercial endowment insurance, continue to promote the pilot program of reverse mortgage endowment insurance for the elderly, develop the one-child family security plan, and enrich commercial endowment insurance products. Actively develop long-term care insurance, health insurance, accident insurance and other insurance products, and promote the organic combination of pension, rehabilitation, medical care, nursing and other services. Encourage qualified areas to use the balance of the medical insurance fund account to purchase nursing insurance products for the insured, explore the establishment of a long-term care insurance system, actively explore diversified insurance financing models, and ensure the long-term care service needs of the elderly. Support insurance companies to develop farmers' old-age health insurance, rural small personal insurance and other inclusive insurance businesses. Vigorously develop comprehensive liability insurance for old-age institutions to provide risk protection for the operation of old-age institutions.
(seventeen) innovative use of insurance funds.
Actively learn from international experience, on the premise of meeting investment requirements and effectively dispersing risks, we will promote multi-channel investment of basic old-age insurance funds, national social security funds, enterprise annuity funds and occupational annuity funds entrusted by market-oriented institutions, so as to maintain and increase the value of funds and improve service capabilities. Give full play to the long-term investment advantages of insurance funds, and set up pension communities and pension service institutions by investing in new construction, equity participation, mergers and acquisitions, leasing and custody. Encourage insurance companies to provide long-term and low-cost financial support for pension service enterprises and projects through various forms such as equity, creditor's rights, funds, asset support plans and insurance asset management products.
Seven, focus on improving the ability and level of financial services in the field of old-age care for residents.
(eighteen) to improve the convenience of financial services for the elderly.
Encourage financial institutions to optimize the layout of outlets, and further extend service outlets to areas where elderly groups are concentrated, such as pension communities and apartments for the elderly, so as to improve the availability of financial services. Support financial institutions to transform their business outlets for the elderly, strengthen the construction of facilities for helping the elderly and barrier-free facilities, open up special service areas for elderly customers, provide convenient services such as special windows for respecting the elderly and green passages, and create a convenient, safe and comfortable service environment for elderly customers. Encourage banking financial institutions to optimize the telephone banking service process for elderly customers.
(nineteen) actively develop specialized financial products to serve the elderly.
Encourage banks, securities, trusts, funds, insurance and other financial institutions to actively develop differentiated financial products that can provide long-term stable income and meet the cross-life cycle needs of the elderly. Vigorously develop pension fund products, encourage individuals to invest in various specialized financial products, increase property income, and improve self-protection ability. Accelerate the innovation of consumer credit and trust products in the fields of medical care, fitness, entertainment and tourism for the elderly. Encourage banking financial institutions to explore the reverse mortgage business of housing. Encourage financial institutions to actively explore intergenerational pension, preventive pension, third-party paid pension and other pension models and products, and improve residents' pension wealth reserve and pension service payment ability.
(20) Continuously expand the content of financial services.
Financial institutions should actively participate in social security, enterprise annuity, old-age security and welfare plans, and do a good job in basic services such as payment and settlement, account management, custody and investment. Encourage banking financial institutions to issue non-cash payment tools such as bank cards that provide specific services for the elderly, appropriately reduce the cost of card opening, annual fees and small account management fees, and explore the provision of supporting value-added services such as merchant discounts, medical and health care, leisure and entertainment, education consultation and legal aid. Strengthen the education and rights protection of elderly financial consumers, increase the publicity and popularization of new financial services such as wealth management products, and expand the financial knowledge of the elderly. Banking financial institutions should promptly remind the elderly to handle large transfers and other businesses, and strictly abide by the relevant regulations when selling insurance and wealth management products to the elderly, and must not mislead or missell.
Eight, strengthen the organization and implementation and supporting security.
(twenty-one) to strengthen the coordination of financial policies and industrial policies.
Establish a coordination mechanism of financial support for the aged care service industry with the participation of the People's Bank of China, civil affairs, financial supervision and other departments, strengthen policy coordination and information communication, and form a joint financial policy force to promote the development of the aged care service industry. Formulate and regularly improve the guidance catalogue of the aged care service industry, publish and update the information of the aged care service institutions and enterprises, and establish and improve the project database and recommendation mechanism. On the basis of controllable risks and sustainable business, financial institutions should actively support high-quality old-age care services recommended by databases and civil affairs departments. Civil affairs departments at all levels should guide the old-age care institutions to establish standardized financial systems and asset management systems, and improve the loan affordability and repayment level. Encourage qualified areas to actively use financial discount, loan risk compensation, guarantee and credit enhancement and other policy tools to increase policy incentives and financial support for the development of the aged care service industry.
(twenty-two) the comprehensive use of a variety of financial policy tools.
Strengthen credit policy guidance and encourage financial institutions to increase their support for the aged care service industry and the combination of medical care and nursing. Use small re-loans and rediscount tools to guide financial institutions to increase credit support for small and micro pension service enterprises. We will continue to improve financial supervision policies, strengthen supervision of banks, securities, trusts, funds, insurance and other financial institutions, carry out innovation in financial organizations, products and services in the field of old-age care, and promote the stable and orderly development of financial innovation.
(twenty-three) to strengthen policy implementation and effect monitoring.
All financial institutions should gradually establish and improve the special statistical system of financial support for the aged care service industry, and strengthen the statistics, monitoring and analysis of the development of financial services in the aged care field. Branches of the People's Bank of China shall, jointly with civil affairs, banking, securities industry, insurance supervision and management departments, formulate specific implementation opinions or measures to improve financial support for the accelerated development of the aged care service industry according to the spirit of these guiding opinions and the actual situation of the jurisdiction, and earnestly implement the work.
From: Pension Information Network-Guiding Opinions on Financial Support for the Accelerated Development of Pension Service Industry (Yinfa [2065438+06] No.65).