Let everyone grow old with dignity is not only a "family affair", but also a "state affair". *** As China enters an aging society, it is urgent to actively respond to the challenges brought by population aging and strive to build an age-friendly society. This year's government work report proposed that "we should actively respond to the aging population, optimize the supply of elderly care services in urban and rural areas, support social forces to provide day care, meal and cleaning assistance, rehabilitation care and other services, encourage the development of rural mutual aid elderly care services, and promote the high-quality development of aging undertakings and industries." The national plan for the development of the cause of the elderly and the elderly care service system during the 14th five year plan, which was recently released, focuses on the "urgent needs" of the elderly on social security, elderly care, medical treatment and other livelihood issues from the aspects of expanding the supply of elderly care services, improving the elderly health support system, and the integrated development of multiple types of services for the elderly, It points out the direction for promoting the high-quality development of the cause of aging in the new era. Representatives and members said that this fully demonstrated the country's confidence in actively dealing with aging, held up the determination of "sunset red" of happiness, and actively offered suggestions on the "pension issues" concerned by the people. Community home care: drawing a happy picture of old age Population aging is not only an important trend of social development, but also China's basic national conditions for a long period of time in the future. According to the data of the seventh national census, there are 260 million people aged 60 and over in China, including 190 million people aged 65 and over. According to a set of data released by the National Health Commission, most of the elderly in China provide for the aged at home and in the community, forming a "9073" pattern, that is, about 90% of the elderly provide for the aged at home, about 7% of the elderly rely on community support for the aged, and about 3% of the elderly live in elderly care institutions. Therefore, the focus of providing integrated medical care services is still on the home and community. How can community home-based elderly care for the elderly be more secure, more comfortable and more assured? Zhang Lin, deputy to the National People's Congress and director of the Institute of risk management and Actuarial Science of Hunan University, gave her "plan". Zhang Lin believes that improving China's community home-based elderly care service system and improving the market-oriented operation and service supply level of community home-based elderly care should include seven aspects: first, improve basic health public services; Second, the focus of home-based elderly care services should gradually shift from nursing services to preventive health care; Third, we should improve the ability evaluation criteria of the elderly; Fourth, we should promote the specialization and standardization of home-based elderly care service industry; Fifth, we should strengthen the publicity of home-based elderly care; Sixth, the home-based elderly care services purchased by the government should be included in the list of basic public services; Seventh, we should enrich the service subjects and attract social forces to enter the community home-based elderly care service market. Zhang Lin said that at present, there are some problems in community home-based elderly care services, such as insufficient management experience and low degree of resource integration. "Home based elderly care services involve many sectors, including housekeeping, rehabilitation care, basic medical care, emergency assistance, etc. the management level of community service centers is limited, so it is difficult to fully integrate the corresponding resources in the community, and it is difficult to explore a sustainable community home-based elderly care service model. The community home-based elderly care services seen now mainly rely on services purchased by the government and have no self hematopoietic ability, It's hard to survive. " She said. Huang gairong, member of the National Committee of the Chinese people's Political Consultative Conference and director of the geriatrics department of Henan Provincial People's Hospital, who is known as the "silver haired spokesman", told the people's network that the community is the most basic unit of social organisms, which generally has the functions of management, service, guarantee, education and safety and stability. "Many community elderly care services are poor, the structure is not perfect, and do not really meet the basic needs of the masses." She suggested that we should speed up the improvement of community function construction. For commercial institutions engaged in community elderly care services, the government can consider giving policy preference or certain subsidies to build appropriate functional places for the elderly to live upstairs and seek medical treatment downstairs. As Huang gairong said in the collective interview of "committee channel", everyone's participation is a positive outlook on aging. With everyone's participation and efforts, a happy old-age life without illness, loneliness and fun must be happy. " The third pillar of pension insurance: supporting diversified pension needs Establishing a multi-level old-age insurance system is an important measure to deal with the aging population and promote the sustainable development of the old-age insurance system. According to Guo Shuqing, chairman of the China Banking and Insurance Regulatory Commission, compared with the "first pillar" basic endowment insurance, "second pillar" enterprise annuity supplementary endowment insurance and "third pillar" commercial endowment insurance, the third pillar lags behind and urgently needs to be accelerated. This year, standardizing the development of the third pillar of old-age insurance has been written into the government work report again. In recent years, China has successively introduced policies and measures in this regard: the pilot area of exclusive commercial endowment insurance has been expanded to the whole country; The pilot of pension financial products was expanded to "ten places and ten institutions"; The pilot of pension savings will be launched soon; Commercial pension business for low - and middle-income people is also stepping up preparations. Guo Shuqing said that since last year, the relevant parties have taken some measures and are actively and steadily advancing, "but we should not be too anxious and guard against risks". On this premise, it will gradually develop and grow in accordance with the policy of "small step jogging and overall gradual progress" determined by the financial commission of the State Council. The pilot of individual tax deferred commercial endowment insurance (hereinafter referred to as "tax deferred endowment insurance") is known as an important attempt to establish the third pillar in China. With the deepening of the pilot, some problems and deficiencies of the pilot policy of tax extension of endowment insurance in the early stage are also emerging. In particular, the low preferential strength of the policy and inconvenient operation have affected the actual effect of the policy to a certain extent, resulting in a situation of "applauding but not applauding". In this regard, Sun Jie, member of the National Committee of the Chinese people's Political Consultative Conference and researcher of the National Institute of opening up of the University of foreign economic relations and trade, proposed to expand the preferential policies for tax deferred pension insurance, further reduce the complexity of the policies, change the existing deduction method of 6% of monthly income or 1000 yuan, and appropriately increase the amount of tax deferred, Take the expenditure of individual insured commercial endowment insurance as a special deduction item, simplify the operation process, improve the attractiveness of the policy, expand the beneficiaries of the policy, and give full play to the pilot role of tax extension for the elderly. At the same time, increase the pre tax deduction amount of the third pillar payment, make exponential adjustment according to the social average wage growth and inflation rate, and establish a dynamic adjustment mechanism to enhance the attractiveness of the policy. Zhou Yanli, member of the CPPCC National Committee and former vice chairman of the CIRC, has been paying attention to the development of the third pillar of old-age insurance since he performed his duties. He said that as China enters an aging society, accelerating the development of commercial pension insurance and vigorously developing the third pillar of pension security can effectively alleviate the pressure on China's pension insurance expenditure and meet the diversified pension needs of the people. In promoting relevant work, we should actively pilot, constantly summarize and promote experience, and strive to explore a new way for the development of pension finance through demonstration and guidance. He suggested that we should steadily promote the reform of pension finance and enrich the development mode of the third pillar. On the one hand, we should study and unify the pension financial standards, reflect the characteristics of capital security, long-term investment and receiving constraints, develop and launch pension financial products, and adhere to the principle of "long-term investment, long-term income, value investment to create value, prudent investment and reasonable return". On the other hand, we should actively explore and gradually develop long-term pension financial business for the broad masses of the people. When the conditions are ripe, study and give certain preferential policies to the participants of pension financial business. Elderly care service: take multiple measures at the same time, with both strength and temperature To actively respond to the aging of the population, it is very important for the elderly care service to have both strength and temperature. Huang gairong believes that only by taking multiple measures to build an age-friendly society, actively create conditions and create an atmosphere for the elderly to "learn, enjoy and act", can the elderly be healthier and happier. She suggested that in the community, we should actively encourage retired workers to participate in the public welfare "training course for the elderly" sponsored by the government and enrich the service team for the elderly within our ability. At the same time, the government should give some paid incentives, or save the time for serving the elderly through the "time bank" for their own use in the future. For on-the-job employees, they should be given one or two days of leave to accompany their parents every month, encourage them to go back and see more, accompany the elderly more, help solve the practical difficulties in the life of the elderly and the needs of health management and medical treatment, alleviate the loneliness of the elderly, make them feel dependent on the elderly and have medical treatment for their diseases, and improve the happiness of the elderly in their later years. At the same time, increase investment in elderly health intelligent management. "The government can consider increasing capital investment, developing 5g insensible wearable devices with reliable performance, and transmitting the temperature, pulse, respiration, blood pressure, blood oxygen, blood glucose and other indicators of the elderly to the 5g network platform in real time to detect their life functions at any time." Huang gairong said. Data show that there are about 40 million disabled and semi disabled elderly in China. "One person's disability and family imbalance" is a true portrayal of these elderly families. As of March 3, 2021, since the pilot of China's long-term care insurance system was launched in 2016, 49 cities across the country have piloted long-term care insurance, and the number of participants has reached 120 million, which has effectively alleviated the dilemma of "institutions can't treat, hospitals can't support and families can't protect" for the disabled elderly in the past. Over the years, Sun Jie has never stopped paying attention to long-term care insurance. She told people.com that she suggested to further strengthen the top-level design, promote the construction of long-term care insurance system, clarify the functional positioning, and promote the establishment of a long-term care security system in line with national conditions. At present, disability identification standards and nursing service standards determine the number of people covered by long-term care insurance and service quality. From the situation of pilot cities, there are differences and inconsistent standards. In this regard, Sun Jie suggested that the basic guarantee scope be unified at the national level on the basis of the guarantee scope, relevant standards and management measures of each pilot city in the early stage. Implement a national unified evaluation standard system, whether it is institutional pension or family pension, implement unified payment standards for the same degree of disability or nursing level, guide the disabled and mentally retarded elderly to receive more home care, and reduce the unreasonable expenditure of insurance expenses. At the same time, establish a list of basic nursing security needs at the national level. Each region can determine the local demand list according to the fund-raising situation and the requirements of sustainable development and basic security, and adhere to the guarantee of living care. (outlook new era)