First of all, the "double reduction" policy in the education and training industry has landed, and a "smooth and silent" change is taking place;
Then, tencent games business was dubbed as "spiritual opium". In just a few months, Tencent's share price has almost halved, and its market value has evaporated by hundreds of billions. Tencent has spent 50 billion yuan to help * * * prosper.
How do you view the successive changes in these fields closely related to the national economy and people's livelihood?
Some people say that this is a key step to achieve "prosperity with * * *". Society needs not only growth, but also fairness;
It has also been said that in order to prevent innocent people from being accidentally injured, it is necessary to clearly distinguish between financialization, disorderly financialization and excessive financialization, and be careful of "sports liquidation" across the board.
The views of several schools conflict. What is right and what is wrong?
Let's listen to the entrepreneurs who are in the frontline "battlefield"-providing social public service products, how to treat this problem.
Recently, Tan Yiliang, the founder of Jiurucheng, an entrepreneur who has been deeply involved in the pension industry for 12 years, chatted with us about his thoughts and suggestions on the "disorderly entry" of some capital into the people's livelihood.
I hope his thinking can enlighten you. The article is for discussion, welcome to express your views at the end of the article:
Oral statement: Talking about the founder of Jiurucheng in Yiliang and the neighbor of Zhenghe Island.
Editor: Yu Xinfeng
Source: Zhenghe Island
0 1, an entrepreneur in the field of people's livelihood, his views on capital.
Looking back at some "chaos" in the education and training industry in recent two or three years from the introduction of the new policy of "double reduction", Tan Yiliang has been thinking about the relationship between industry and capital in the field of people's livelihood recently.
1. Find a balance between capital and industry development.
"Especially from the second half of 2020, when you turn on the TV, you will see many advertisements about teaching and training. These advertisements are not aimed at any enterprise. As far as this phenomenon is concerned, it is partly because of the entry of a large amount of capital that such a' disorderly expansion' has been supported. "
In Tan Yiliang's view, when more and more capital enters an industry, it will lead to a state of "not what it used to be", which may "drive the team that has been working hard in the industry crazy" and may also make the development of the industry deviate from the original intention of solving people's livelihood problems.
"From the perspective of transaction growth rate, perhaps the growth rate of an enterprise is 20% or 30% according to the natural transaction law, but some capitals will give the temptation of' if the growth rate of 100% is completed, the corresponding income will be given'. In the face of huge interests, people's resistance is limited. In order to complete this performance and get rich returns, the senior management team will easily enter an' irrational' state and naturally forget their initial intentions.
Moreover, when some capital enters the industry for the purpose of pursuing quick returns, it may not pay attention to the development trend of the whole industry and its social impact. Take the teaching and training industry as an example, even kindergarten children have begun to receive various trainings. As a result, looking at a family, only one child can improve the score, but in the whole society, it will only improve the score in the end. "
Tan Yiliang raised a sharp question about the way to enlarge the scale by using the Internet: the convenience of the Internet can indeed realize "letting children in remote areas enjoy the courses in Beijing No.4 Middle School", but the question is, can families in these areas afford it? How many people can afford it?
Tan Yiliang believes that the development of the teaching and training industry should make it clear whether a higher score line is needed in the process of national development. Or a comprehensive quality talent? This is the most important thing for teaching and training enterprises to clarify their development goals and directions. Taking advantage of the trend and realizing the good mutual promotion between capital and industry may be the most effective way for the long-term beneficial development of both sides.
The power of capital is undeniable, but the timing of entering the industry is very important.
"Although the essence of capital is profit-seeking, at no time can we deny the power of capital and its role in promoting social progress and industry development." Tan Yiliang said that it is necessary to treat the role of capital rationally and pay more attention to the time node when capital enters the industry. "If capital intervenes too early, it may make the industry mature and encourage the industry; If capital is excessively involved, it may lead to disorderly expansion of the industry. "
02. "If you want to do it, you must do it well."
"The current pension industry is still in the initial stage of development, and the development of any industry needs to be cultivated in just 20 years. I predict that from 2023 to 2030, even to 2040, the pension industry will enter a relatively standardized and orderly industry development stage. "
Being in China, a market economy that always pays attention to the principle of fairness, Tan Yiliang thinks that both capital and enterprises should reflect: Is the starting point pure? Can it really solve social problems?
1. The public service industry needs "financial support" instead of "financialization"
"We want to go back to the people to think about this problem. Education, old-age care and medical care are directly related to the vital interests of the people. They are problems that every household will face and belong to social public services. " Focusing on the pension industry, Tan Yiliang pointed out that this is a semi-public welfare undertaking with public attributes, and simple business ideas cannot solve social problems. At least, it should not be considered from the perspective of financialization and capitalization.
"The public service model is called" non-profit organization "in China and" social enterprise "abroad. This is not to say that enterprises do not make money, but that shareholders who make money do not participate in dividends, but are used for the sustainable development of this enterprise. "
Tan Yiliang bluntly said that the reason why enterprises are used to providing old-age services at present is because the operating mode of enterprises is the most efficient. The development vision of Jiurucheng is to become a lofty enterprise-social enterprise.
Regarding the relationship between capital and pension industry, Tan Yiliang believes that the current pension industry is not suitable for short-term, profitable and commercialized capital. "Because there are not many pension enterprises that really find a stable and good profit model." On the other hand, Tan Yiliang admits that the development of the pension industry must be inseparable from finance. "Most pension enterprises need low interest, low mortgage and convenient loan support, instead of turning pension products into financial products."
2. The pension industry is not easy to do, but someone has to do it.
The pension industry is an industry that needs to be "focused". Jiuru City has grown to 12, and more than 200 rehabilitation hospitals, chain-operated pension institutions and more than 800 community centers have been opened in more than 60 cities and provinces in 10. Jiurucheng also suffered losses year after year, and it was not until 10 that it began to enter a balanced period, with a slight profit. Providing for the aged is Tan Yiliang's second venture, and the "primitive accumulation" of his first venture gave him great support in the cause of providing for the aged. So what should be done for the general pension enterprises?
Tan Yiliang said that the pension industry must grow up slowly, and every practitioner must have the determination to "do it slowly, do it well, and do it well if necessary". "Limited ability can only open a hospital, there is no need to invest such a heavy asset according to the model of the9. At present, the government has many public and private projects, which can also be profitable if they are done well. Using profits to do the second and third projects is also a very stable way of development. Or you can specialize in regional pension enterprises and make your own brand in a county, a district and a city; It can also be a professional nursing home, such as the elderly who specialize in serving Alzheimer's disease ... "
"Do as many things as you can." 12 years, Tan Yiliang experienced the difficulty of providing for the aged. As an industry pioneer, he also has his own suggestions for enterprises and practitioners who want to enter the pension industry. "First of all, be patient and willing to spend 10 years and 20 years to practice; There must be feelings. For me, providing for the aged is a career and a feeling. Now I regard it as a blessing. In addition, we must have perseverance and determination. It's easy to start, but not easy to stick to it. The first line of providing for the aged is really doing all the dirty work. But this society needs this industry, and someone must be willing to do it. "
During the development of Jiurucheng, Tan Yiliang has always been grateful to his team and was moved by their enthusiasm and dedication to the cause of providing for the aged. He shared a real case with us: "Our front-line service personnel have excellent personalities. A couple retired from state organs and went to our nursing home to serve the elderly. Because their parents left when they were younger, they felt sorry. Now take care of the elderly in nursing homes like parents. They keep saying that they will give their remaining 10 years and 20 years to the elderly, which is very worthwhile. There are too many such stories and touches. "
Talking about Yiliang himself, he also has a clear work plan: "I started supporting the elderly at the age of 48 and spared no effort. I want to work for three 9 years, that is, 27 years until I retire at the age of 75. I am 60 years old this year, and I can still struggle in the front line of old-age care 15 years. "
03. "It is a tragedy of the times to die old."
Committed to the cause of providing for the aged, Tan Yiliang has seen too many touching contributions and witnessed too many embarrassing scenes. This made him more determined to do a good job in old-age care.
1. The first line of providing for the aged is ordinary and great.
"During the epidemic prevention and control period, all hospitals were closed for management, and the government did not allow nursing homes to accept the elderly during the epidemic prevention period. However, after returning to work, some family members directly sent the elderly who went home for the New Year back to the entrance of the nursing home and left, and they could not be contacted. The police and public security bureau cannot be placed; Even if it is acceptable, other elderly people in the hospital will have resistance and resistance at that time. What about the old man? Finally, the elderly will be placed alone and equipped with special care workers. "
It is with this responsibility and responsibility that when the epidemic broke out in 2020, Tan Yiliang took the lead and led a group of 40 people from Jiurukang Conservation Assistance Team to Wuhan, bringing professional care and warm companionship to 202 elderly people there. "We experienced the resistance and preparedness of our elders at the beginning, but when we saw their real inner needs and took care of them sincerely, they just wanted to see our faces and remember our appearance."
Every day in Wuhan is physically and mentally exhausted, but it also makes Tan Yiliang once again see the greatness of nurses in Jiurucheng. "Wearing protective clothing, wearing a double mask, bathing the elderly in a stuffy and hot situation, several of our players even collapsed several times. Are they doing these things for money? Absolutely not, this is the greatness of giving life. "
2. China's pension problem should be solved by China's plan.
Tan Yiliang once said: The essence of providing for the aged is filial piety.
"Contemporary children seldom stay with their parents. They have their own lives, families and jobs to worry about. Retired old people should also consider how to face the future life. In addition to helping children, they also have their own life demands. " Jiurucheng has been exploring the transition from "providing for the aged to education", hoping that through providing for the aged education, the elderly over 60 can find a more active lifestyle and show more value in their lives.
"I also entered the ranks of 60 years old. At our age, we are actually afraid to hear the word' providing for the aged'. These two words are actually not pleasant to listen to, and there is a feeling that they are useless when they are old and need to be raised by others. I don't want to be so old, and I don't think many people want to be so old. " Tan Yiliang, who has a clear plan for life, also hopes to be an example for this generation and influence people born after 50, 60 and 70.
"This group of people once created the miracle of the world economy. They have a lot of wisdom and experience. If they contribute to society 10 years, 20 years, what a great contribution and strength it will be. " Tan Yiliang hopes to drive more colleagues together, from a bystander of social activities to a creator of social wealth and a contributor to social development.
At the same time, Jiurucheng should spread filial piety culture and learn traditional culture. "No old-age service or institution can take the place of children to be filial to their parents. Therefore, our mission is to' let the children of the world be filial and let the sun shine into the hearts of the elderly'. I also hope that the traditional culture of China can be passed down from generation to generation. Reading three-character classics, reciting moral classics, reading of the analects of confucius, and going to college are all very good. "
Looking at the problem of providing for the aged in China, Tan Yiliang always thinks that the problem of China needs to be solved by China people, China's plan and China's unique culture and background. After 12 years of exploration, polishing and market verification, Jiurucheng has improved the "four-level old-age care service system", taking districts and counties as units, achieving full life care and full regional coverage.
"When our society has developed to this level today, as an enterprise, it can contribute to promoting social progress and further presenting the civilization of this society. I think this is the greatest value and significance of the existence of enterprises. " Tan Yiliang said.
Altruism-oriented, taking advantage of the trend; Do not forget your initiative mind, keep going.
Opinions on capital are different, but there is one rule that will not be shaken in the heart of talking about righteousness:
It is true to do more for the people with your heart.