With 14 years' experience in market segmentation research, the prospective investment consultant of IPO consulting agency (providing pre-listing market segmentation research and feasibility study of fund-raising projects for listed companies) believes that delaying retirement will definitely bring pressure to the elderly, and such a huge elderly population will bring pressure to the old-age care cause and huge market opportunities. The pension industry has gradually become a "sunrise industry" and the "silver-haired economy" has become a new gold spot.
Wang Qian released an analysis report on the development prospect and investment strategic planning of China pension apartment industry. Houses and providing for the aged have always been the two major concerns of many people in China. As a part of the pension industry, pension real estate is coveted by many enterprises. The so-called pension real estate is formed by combining the social subject of pension with the commercial concept of real estate, and it is a development model of "pension+real estate"-compound real estate. Old-age real estate includes the development and operation process of projects suitable for the elderly, such as elderly houses and apartments. There are three main modes of home industry development at home and abroad: apartments for the elderly, communities for the elderly and ordinary self-occupied houses for the elderly.
According to the quasi-investment consultant of IPO consulting agency, the core of pension real estate is "pension". In the process of providing for the aged, the elderly need not only physical examination and medical treatment, but also all-round support from life, entertainment, religion, schools and all walks of life. Only by meeting the needs of retired people at all levels from health care to hospice care can it be called a complete pension real estate.
It is reported that at present, there is no separate division of domestic old-age land, and there is no formal old-age land in land policy. The proportion of pension projects in the land supply plan is insufficient, which leads to high land cost. What kind of cost and method to take land has always been a big problem.
Forward-looking Investment Consultant, an IPO consultancy, believes that in the face of such problems, the government can make concessions on land transfer fees or taxes. Land use can be considered similar to the targeted supply of affordable housing land to reduce the cost of welfare pension construction.
Forward-looking investment consultant of IPO consulting organization believes that if the policy of gradually delaying retirement age is implemented, the commercial pension insurance industry may usher in development opportunities.
Affected by policy factors, the implementation of the delayed retirement system will stimulate insurance stocks. On the first trading day after the gradual delayed retirement system was put forward, the insurance sector rose by 8.03%. In terms of individual stocks, China Pacific Insurance's daily limit was 19.48 yuan, China Life Insurance and Xinhua Life Insurance rose more than 8%, and China Ping An rose more than 7%.
Facing the increasingly severe situation of providing for the aged, people urgently need to explore financial ways of providing for the aged other than basic old-age insurance, and commercial old-age insurance will probably become the most effective supplementary means of social old-age insurance. If the retirement age is delayed, commercial insurance, as a supplement to social insurance, will gradually show its importance.