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面对养老,客户怎么看?

发布于 2023-02-14

<p style="outline: 0px;max-width: 100%;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 12px;color: rgb(136, 136, 136);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">///</span></p><p style="outline: 0px;max-width: 100%;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 12px;color: rgb(136, 136, 136);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">前言</span></p><section style="margin-left: 16px;margin-right: 16px;"><br /></section><section style="margin-left: 16px;margin-right: 16px;"><br /></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">我们已经从政策和市场两个方面对沈阳养老市场进行了分析。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">总体而言,未来养老问题严峻,目前政策在逐步加强,市场可以解决数量问题,但是质量问题仍有待提升。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">现在,让我们从不同年龄段、养老状况和身份等多个角度,从客户的角度继续讨论养老问题,首先来说说人们对养老的态度。</span></section><section style="margin-left: 16px;margin-right: 16px;"><br /></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;"><br /></span></section><section style="margin-bottom: 0px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: rgb(136, 136, 136);font-family: &quot;Helvetica Neue&quot;, Helvetica, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;font-size: 14px;letter-spacing: 0.544px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">▼</span></section><section style="margin-bottom: 0px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);visibility: visible;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: rgb(136, 136, 136);font-family: &quot;Helvetica Neue&quot;, Helvetica, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;font-size: 14px;letter-spacing: 0.544px;text-align: center;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;" /></span></section><section style="margin-bottom: 0px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);visibility: visible;margin-left: 16px;margin-right: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br /></section><section data-role="paragraph" style="margin-bottom: 0px;outline: 0px;max-width: 100%;box-sizing: border-box;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);visibility: visible;overflow-wrap: break-word !important;"><section style="margin: 5px 16px;outline: 0px;max-width: 100%;text-align: left;line-height: 1.5em;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 24px;"><strong style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;letter-spacing: 0px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">客户看法&nbsp;</span></strong></span><span style="outline: 0px;max-width: 100%;font-size: 15px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(117, 117, 118);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">@</span></strong><strong style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;letter-spacing: 1px;color: rgb(117, 117, 118);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">urasr</span></strong></span></section><section style="margin: 5px 16px;outline: 0px;max-width: 100%;text-align: left;line-height: 1.5em;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;letter-spacing: 0.5px;font-size: 16px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: rgb(136, 136, 136);letter-spacing: 3px;font-family: Optima-Regular, PingFangTC-light;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">—</span></strong></section></section><p style="margin-left: 16px;margin-right: 16px;"><br /></p><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">当大多数人走进中年时,养老成为不可回避的问题。从访谈中可以发现,中年人更多关心的是照顾父母的养老。临近退休的人则考虑的是自己的未来状况。而随着年龄的增长,养老的目的是为了不给儿女带来过多负担。不希望老人生活不好,不希望给孩子带来麻烦,最终不得不入住养老院,需求逐渐提高。那么,还未面临养老问题的年轻人,会有什么样的想法呢?</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;"><img class="rich_pages wxw-img" data-ratio="0.37803468208092483" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIwQtTzia4vI7XKUF2sRLjK8HwpsgvwAV2OBcxVX08hUBSlmRuCkFHTRkuchva9FBs9icvQYDAAFlaWw/640?wx_fmt=png" data-type="png" data-w="865" /></span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">从人口结构的角度考虑,当前社会正逐渐形成421的家庭模式,即两个年轻人将面临养4个老人的问题。那么,年轻人对养老的态度又是什么呢?</span></section><section style="margin-left: 16px;margin-right: 16px;"><br /></section><section style="margin-left: 16px;margin-right: 16px;"><img class="rich_pages wxw-img" data-ratio="0.7717948717948718" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIwQtTzia4vI7XKUF2sRLjK8Hh8craT2X7mQGxiaNONEW8ex2gAtiajPhCNCrVhXNLaMb8UicJxkibGCe7A/640?wx_fmt=png" data-type="png" data-w="780" /></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">实际上,与80后和90后相比,00后对传统观念的限制较少,对养老的态度更加宽容和直接。他们认为“专业的事情应该由专业的人来做”,这不仅可以减轻他们养老的困难,还有利于他们父母的健康。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">因此,70/80后可能是最后一代在家养老父母的人群,也是第一代不管主动还是被动都会入住养老院的人群。那么,如果不想入住养老院,是否还有其他养老方式呢?</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;"><img class="rich_pages wxw-img" data-ratio="0.6901734104046243" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIwQtTzia4vI7XKUF2sRLjK8HP6XdF1yRp2FN7Mo6z75obsAWFricUNezIFZwVqksVLX7whZRwmC1fSw/640?wx_fmt=png" data-type="png" data-w="865" /></span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">当前,养老的主流模式有三种:机构养老、社区养老和居家养老。从数据来看,目前仅有3%的老年人会选择机构养老,7%左右的人会选择社区养老,而剩余的大部分则选择居家养老。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">近年来,政策不断推动,正在从居家养老向由政府带动、配有社区服务中心的社区养老模式转变。因此,对大多数人来说,最终选择的最大可能性是社区养老。接下来,我们将探讨不同受访者对机构养老和社区养老的看法。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;"><img class="rich_pages wxw-img" data-ratio="0.44277456647398844" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIwQtTzia4vI7XKUF2sRLjK8HLGZKXBPSia4Ag3PT8jibq9xUzzdhZbCgD0hLcZhOqTFmj53MIefMCZKQ/640?wx_fmt=png" data-type="png" data-w="865" /></span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">对于机构养老,也就是入住养老院,人们在选择时关注的是与居家养老相比,更多的生活配套、兴趣活动和专业的医疗设施,总之是"入住后不用担心任何事情"。而对于那些不得不入住养老院的受访者,搬到养老院只是他们选择的最优解。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">然而,入住后是否真的如他们所想的一样轻松愉快呢?一位受访者提到,入住后却发现,不同社会圈层带来的沟通问题,以及养老院内部管理混乱和工作人员频繁流动,都给他们带来了困扰。因此,除了硬件问题,服务等软实力的提升对于老人来说也同样重要。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">对于不选择入住养老院的受访者,他们大多身体状况较好,出于经济问题或受传统观念的限制,他们的子女希望他们能留在身边</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;"><img class="rich_pages wxw-img" data-ratio="0.42427745664739885" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIwQtTzia4vI7XKUF2sRLjK8HZlFxa0e0QHgQG1JjNa0sFpeiaeibq246Y4xyAPpufJ2mVvqLznbCKosA/640?wx_fmt=png" data-type="png" data-w="865"></span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">社区养老是一种以专业养老机构与社区合作的方式,使得在家里的老人可以享受到更多的娱乐、医疗、餐饮等服务。目前来说,社区养老是受访者的首选,因为它结合了熟悉的家庭环境和较低的费用,同时也提供了类似养老机构的便利服务,是老人和政府最具性价比的选择。可以说,如果在社区就可以解决所有的需求,谁还会愿意花钱住养老院呢?</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">然而,对于身体不便和需要专业医疗设施的老人,留在社区可能不够理想,因为它们的需求不能得到充分满足。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;"><img class="rich_pages wxw-img" data-ratio="0.42196531791907516" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIwQtTzia4vI7XKUF2sRLjK8HdrPZDiasVP3CHr5PgiaJJMMTcvZHH95EaR26dabdZxouFZIY1W1uBlkw/640?wx_fmt=png" data-type="png" data-w="865"></span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">有关居家养老,我们不再赘述。政府正在努力推动养老床位的入户和家庭适老化的改造。实际上,大多数老年人目前只是居家生活,还不到养老阶段。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">让我们简单探讨一下地产类养老。多年前,这种项目已经出现,人们在购买房屋时就可以解决养老问题。随着地产市场的下降,这种概念也成为了开发商突围的途径之一。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">在沈阳,现有的项目有两种类型:一种是社区型养老地产,内部配有养老中心,更适合那些对养老需求不是特别强烈,以买房为主要目的,顺带考虑养老的客户。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">另一种是针对老年人的医养社区,内部是养老院,氛围浓厚,功能齐全,多为老年人居住,付费方式多为保险式,非购买式。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">两种类型各有优劣,仅仅买房会有较高的成本投入,身体状况不佳时仍需考虑入住养老机构。直接入住医养社区,可能会有花了钱却没有什么收获的失落感。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">那么,是否有更好的选择呢?</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;"><img class="rich_pages wxw-img" data-ratio="0.3884393063583815" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIwQtTzia4vI7XKUF2sRLjK8HyicjAZr0JuH6ia98gkv5oBX0ial768MZGDicpjcuaNLEiaUEFecs0HlNWkw/640?wx_fmt=png" data-type="png" data-w="865"></span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">其实在其他城市已有类似案例,将商品住宅与养老机构结合在一起。住宅区域和养老区域明显分开,住宅区没有进行太多适老化改造和功能配置,而紧挨着的养老机构区域则打造了一个集娱乐、活动、医疗等为一体的养老医疗社区。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;"><img class="rich_pages wxw-img" data-ratio="0.4144385026737968" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIwQtTzia4vI7XKUF2sRLjK8HoTiaxof9Lf6licAebd8aUMu3ck3teJ2X4YS1TcOt1Y2HoVhDObK3ica5A/640?wx_fmt=png" data-type="png" data-w="748"></span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">对于这种模式,受访者表示:“像我这种临退休的,可以买个住宅先住进去,也能使用养老机构里面的配套,游游泳、或者上上老年大学什么的。若身体状况变差了,周边反正也习惯了,就可以直接搬到养老机构去了”。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">此外,如果子女也居住在同一个住宅社区,他们不必花费太多精力照顾老人。受访者补充道:“就是在我忙的时候也可以有专门的护工来照顾,生活进退都会更从容”。</span></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;"><img class="rich_pages wxw-img" data-ratio="0.6127167630057804" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIwQtTzia4vI7XKUF2sRLjK8HRAxtcPgrLiao3ysicysLlJ79WmyTErACWM3bByicl4T54JPhuXMclQxEA/640?wx_fmt=png" data-type="png" data-w="865"></span></section><p style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">归根结底,老龄化带来了巨大的养老需求。政府正在努力解决从无到有的问题,而开发商也可以通过这一机会,在推动住宅销售的同时,解决老龄化的问题。</span></p><p style="margin-left: 16px;margin-right: 16px;"><span style="font-family: 微软雅黑, sans-serif;font-size: 16px;">毕竟,每个家庭都有老人,所以人人都需要考虑老龄化。希望我们所有人,在面对老去时,都能有更从容、更好的选择。</span></p><section style="margin-left: 16px;margin-right: 16px;"><br /></section><section style="margin-left: 16px;margin-right: 16px;text-align: center;"><span style="color: rgb(123, 127, 131);font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;font-size: 12px;letter-spacing: 0.544px;text-align: center;caret-color: rgba(0, 0, 0, 0);background-color: rgb(255, 255, 255);">To Be Continued</span></section><section data-role="paragraph" style="white-space: normal;box-sizing: border-box;margin-bottom: 0px;"><section style="max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><p style="text-align: center;max-width: 100%;min-height: 1em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="color: rgb(123, 127, 131);font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;font-size: 12px;letter-spacing: 0.544px;text-align: 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