What is Internet pension?
At present, China has entered the stage of population aging, and the problem of aged care service has obviously become a hot issue that needs to be solved urgently by our government and the whole society. In China's existing pension service model, home-based pension has become the main way for Chinese residents to provide for the elderly because it is more in line with China's national conditions. However, due to the large population base of the elderly and unbalanced regional economic development, there are still many problems in the actual implementation of the home-based care model, such as insufficient number of service personnel, low service level, single service model, health management and home-based care informationization. In recent years, the rapid development of "internet plus" information technology has provided convenience for the development of old-age services from the technical level.
"Home-based care for the aged in internet plus" is actually the integration of Internet and traditional home-based care services, but it is not a simple addition. The integration of industrialization and modernization refers to the use of Internet information technology to provide comprehensive, fast, flexible and low-cost home care services for the elderly. Internet plus's home-based care for the elderly is really centered on the elderly. By using Internet information technology, we can explore more practical ways of providing for the aged, meet the needs of the elderly to the greatest extent, and thus promote the sustainable and healthy development of home-based care for the aged. Therefore, the integration of "home care for the aged in internet plus" is of epoch-making significance, which has obviously become the general trend of today's society. The combination of Internet, big data and aged care service can make aged care service more convenient, personalized and humanized. Use big data to collect the basic information of the elderly, and provide diversified and all-round old-age care services for the elderly through online and offline interaction of the Internet.
Characteristics of internet pension
1, which is convenient for the elderly to get convenient services.
By building an old-age service platform, integrating online and offline resources, we can realize the intensive management of old-age service supply resources and the orderly connection between supply and demand, and the advantages are constantly emerging in practice. The Internet has not only become the foreground of offline "transactions", but also increased supply, docked demand, balanced supply and demand, and fully narrowed the distance between supply and demand. The elderly can make an appointment directly through the platform and enjoy convenient service without leaving home, which effectively solves the problem of old-age service. "In some places, information on old-age care services is integrated into mobile phones, and multiple services are integrated with one click. The elderly can conveniently enjoy family calls from their children, 120 emergency calls, medical consultation from community doctors, health care, hospital appointment registration, housekeeping and other services.
2. Expand the effective supply of old-age service products.
At present, the total amount of old-age service products is insufficient, the quality is not high, and personalized products are lacking. There is a widespread problem that "the elderly enjoy what the community can provide". In this regard, some old-age service platforms learn from the e-commerce model, subsidize service providers, and introduce some high-consumption and marginal old-age service products into the old-age service platforms at lower prices, thus increasing service supply and improving service quality. At the same time, with the increase of platform applications, the aged care service providers develop more diversified and accurate aged care services based on big data, develop the aged care service "personal tailor" and expand the supply of aged care service products.
3. Improve the safety and security of the elderly.
Disease prevention of the elderly population is very important for controlling and delaying the elderly to enter the state of disability and semi-disability. With the maturity of wearable devices, Internet of Things, mobile Internet, wireless sensing and other technologies, some elderly service terminal platforms have been able to collect and monitor the data of the elderly in real time, and automatically provide corresponding safety care, health monitoring, spiritual care and life services. This not only reduces the cost of guardianship, but also puts the safety management and control service for the elderly in the front, changing disease treatment into disease prevention, and preventing the sudden onset of diseases and the lag of treatment for the elderly to the greatest extent.
4. It is the goal of promoting the combination of medical care and nursing.
A key point to realize the combination of medical care and nursing care is to integrate the information resources and medical resources of the elderly. In some places, relying on the service platform for the aged, the database of basic information of the elderly, service information for the aged, electronic health records and electronic medical records is built in the community to provide important information and technical support for the combination of medical care and nursing.
5. Enhance the enthusiasm of social capital to enter the pension industry.
The pension industry has always been regarded as a new blue ocean for future industrial development. However, due to the large investment and slow effect, the pace of social capital has always been "more thunder and less rain". Under the impetus of "internet plus", the development path of pension industry has become clearer and clearer. At present, an industrial system with e-commerce platform for aged care service, terminal equipment cluster and offline service cluster as the main sectors has been formed. The industrial chain has gradually formed and the profit space has gradually become clear. This directly promoted the enthusiasm of social capital to enter the pension industry. In some places, enterprises actively invest in pension service platforms and provide free services. What they value is the market prospect and value-added space of the middle-aged pension industry in internet plus.
The existing model of internet pension
1, smart pension community model
This model originated from abroad, and it is a way of providing for the aged in western developed countries in recent years, that is, by building a modern and intelligent residential community, which includes all kinds of services needed by people for providing for the aged, so that the elderly can live in it and enjoy a meticulous and healthy life for the aged. There are many facilities in the community, such as supermarkets, hospitals, domestic service centers, leisure halls for the elderly, health sports venues and so on. Through monitoring equipment, the physical health, food, clothing, housing and transportation of the elderly are monitored for 24 hours, and the data is sent to the intelligent analysis center, and big data analysis is carried out by artificial intelligence to ensure the healthy life of the elderly in all directions.
2. Internet of Things+Cloud Data+Pension Mode
In view of the huge investment required by the smart pension community, it cannot be popularized in a short time due to the cost problem. Therefore, in order to meet the needs of the vast majority of ordinary elderly people in China, people have explored a more popular "Internet Plus Pension" model, which combines emerging cloud data with the increasingly developed Internet of Things with pension to form a new model. The principle is as follows: let the elderly always wear portable health monitoring equipment, such as health watches and bracelets, upload the collected health data and geographic information to the cloud in real time, and connect with the databases of social pension institutions such as governments and hospitals to realize 24-hour remote monitoring and ensure the safety of the elderly; The elderly can also make daily shopping, make an appointment to see a doctor, and provide on-site services through the network platform specially established for the elderly. By then, as long as there is network coverage, the elderly can enjoy healthy and safe old-age care services.
Problems existing in Internet pension
1, Internet pension enterprises mainly rely on government blood transfusion, and their hematopoietic capacity is insufficient. Internet pension enterprises have a single main business and limited growth potential; Relying more on the government to purchase social services, some enterprises' main source of income is the government to purchase social services, lacking diversified development ideas and product design.
2. Smart pension is not intelligent, and the overall operation of the enterprise is relatively poor. In most old-age care institutions, there are "one high and three low" in the use of intelligent old-age care equipment: the cost of equipment installation and popularization is high; The equipment penetration rate is low, the utilization rate is low, the government and the public have a low understanding of intelligence, and the degree of intelligence is shallow.
3. Traditional pension institutions are relatively backward in their understanding of smart pension. They generally believe that smart pension is nothing more than buying some smart devices and applying these smart devices to old-age services. But it needs to be clear that the essence of smart pension should be service rather than product. The design of traditional intelligent products only realizes functions, fails to combine professional services, and stays in the "pseudo" intelligent stage.
4. The market development is disorderly and the policy formulation is lagging behind. Intelligent pension enterprises with Internet thinking closely integrate the pension institutions that provide vertical services with the elderly individuals who need pension services by providing a platform for information sharing. However, the lack and lag of policies and standards related to the development of smart pension industry leads to the lack of standardization in the market, mixed products and disorderly development of enterprises.
5. There is resistance to departmental coordination. The smart pension industry involves multi-sector participation, different service projects are managed under centralized management, and the definition of service threshold is different. Sixth, there is a serious shortage of professional teams. The country lacks professional standards for providing for the aged; The provision of medical and other professional services still needs professional doctors with professional qualifications, and specific psychological counseling and escort also need psychological counselors and social workers with specific qualifications. The existing service team obviously lacks professionalism.