From July 20th to August 16th, the Economic Daily-China Economic Net "Great Rivers Run — A 9-member interview group on the theme of "Reports from the Yangtze River Economic Belt" completed the whole interview and reporting activities in two batches. In 28 days, the interview team traveled to Yunguichuan, and then arrived in Shanghai by boat from Chongqing along the river, facing the intense heat and high temperature all the way. During this period, they also experienced extreme weather such as rainstorm and typhoon many times. The trip involved more than 8,000 kilometers in 11 provinces and cities and more than 220 interview points. This is not only an unforgettable experience of journalists’ career, but also a solemn journey full of sense of mission, responsibility and responsibility.

　　This is an interview to temper my feet, eyesight, brain power and pen power. The Yangtze River, the mother river that has bred splendid Chinese civilization, is the source, blood and soul of the sustainable development of the Chinese nation. Its ups and downs, its prosperity and progress, endless stories and endless thoughts. Poverty alleviation in mountainous areas, upstream ecological protection, industrial transformation and upgrading, and conversion of old and new kinetic energy … … Along the way, we visited villages, visited farmers, entered enterprises, and visited ports. While walking, we collected materials and distributed them, carried forward the spirit of "going to change", and recorded and witnessed the little changes in the economic and social development of provinces along the Yangtze River by means of live coverage of words, pictures and videos. From the head of the Yangtze River to the tail of the Yangtze River, we have recorded the people and events along the river. Every detail is touching people’s hearts, every story is exciting, and every moment is inspiring. We are delighted to see that it has become the consensus of the people along the Yangtze River to "jointly protect and not develop" and put the restoration of the ecological environment of the Yangtze River in an overwhelming position, and the movement of "ecological priority and green development" has been played in all provinces.

　　This is an interview to personally participate in the great protection of the Yangtze River. "Be a volunteer to protect the mother river of the Yangtze River, be a recorder of the development of the Yangtze River Economic Belt, be a supervisor of the ecological protection of the Yangtze River, and be an advocate of a green lifestyle." On the first day of the interview, the theme interview group jointly released the proposal of "Grateful Mother River to Protect the Yangtze River Water", which infected more people to participate in the action to protect the Yangtze River. At Shigu Wharf in Lijiang, Yunnan, more than 100 journalists from 10 central media and media from 11 provinces and cities along the Yangtze River Economic Belt jointly planted 100 cedars, adding a touch of green to the Yangtze River. In the interview along the way, every reporter consciously protects the environment of the Yangtze River, brings his own handkerchief and washing utensils, and tries to avoid using napkins … … We feel duty-bound and proud to protect the mother river with practical actions!

　　For everyone, this is still an interview to participate in governing the country and promote practical work. The mainstream media is not only a disseminator of information, a witness and participant in the new era, but also a promoter of the great protection of the Yangtze River. As the Supreme Leader General Secretary pointed out at the symposium on further promoting the development of the Yangtze River Economic Belt, "Promoting the development of the Yangtze River Economic Belt is a major decision made by the CPC Central Committee and a major strategy related to the overall development of the country, which is of great significance to the realization of ‘ Two hundred years ’ The Chinese dream of striving for the goal and realizing the great rejuvenation of the Chinese nation is of great significance. " Therefore, through this in-depth interview, we can see the whole of China based on the Yangtze River. Through our report, we can help the provinces along the Yangtze River to truly untie the ideological knot, make the concept of "jointly protecting and not developing" enter the mind, and make the road of "ecological priority and green development" wider and wider; With the successful experience and beneficial thinking of the development of provinces along the Yangtze River, it is not only our mission, but also our due responsibility and responsibility to enlighten all parts of the country to ignite the new engine of high-quality development and make the road of great rejuvenation of the Chinese nation more and more sonorous.

　　"We must leave a clean and beautiful Yangtze River for future generations", which is a firm oath and a solemn commitment. Promoting the development of the Yangtze River Economic Belt involves various fields of economic and social development, and it is a systematic project, and it is impossible to accomplish all its tasks in one battle. Lucid waters and lush mountains are invaluable assets, how to truly implement ecological protection; How to get rid of the huge inertia of the traditional development model and path and further accelerate the transformation of old and new kinetic energy in the provinces along the Yangtze River; How to coordinate water, road, port, shore, production, city and other aspects, and do a good job of "a game of chess" in regional coordinated development, there are still many problems to be solved in the development of the Yangtze River Economic Belt, which requires more exploration and thinking, extensive participation of the whole society, down-to-earth, long-term efforts, and unswerving efforts to draw a blueprint to the end, and the cadres and the masses relay race.

　　Let’s join hands and work together to sing the "Song of the Yangtze River" in the new era!

　　I only hope that a river will flow forever.

　　From July 20th to August 4th, as a "great river running — — Report from the Yangtze River Economic Belt ",I participated in a half-way interview from Lijiang, Yunnan to Wuhan, Hubei. In just 15 days, the interview was in full swing, and it was a rare experience in my personal career, and it also left me endless aftertaste and thinking.

　　The Yangtze River is beautiful. Along the way, the Yangtze River not only shows the beauty and magnificence of colorful Yunnan, the beautiful Zhong Ling in colorful Guizhou, the majestic and dangerous Bashan and Shushui rivers, and the vast and rich basins of the two lakes, but also has vivid practices of ecological protection and restoration of the Yangtze River in various provinces and cities along the Yangtze River, such as vigorously promoting returning farmland to forests, developing ecological agriculture, implementing shoreline greening, and carrying out pollution control and ecological compensation. It has become the consensus of the people along the Yangtze River to "jointly protect and not engage in large-scale development" and jointly care for one river and clear water.

　　The Yangtze River is thick. For thousands of years, the Yangtze River basin has been linked by water, connecting the upstream and downstream, the left and right banks and the main tributaries, forming a large economic and social system. Today, it is still an important link connecting the Silk Road Economic Belt and the 21st century Maritime Silk Road. By vigorously implementing rural revitalization, promoting industrial gradient transfer, opening up the "golden waterway" of the Yangtze River, breaking the chronic disease of "chemical industry encircling the river" and accelerating the kinetic energy conversion of emerging industries, the movement of "ecological priority and green development" has been played.

　　The population gathered and the regional GDP created by the Yangtze River Economic Belt account for more than 40% of the country, and the total import and export volume accounts for about 40% of the country. It is the economic center and vitality of China. The 15-day interview recorded only one side. Protecting a river and clear water together, how to turn green mountains and green hills into Jinshan Yinshan and realize the high-quality development of the Yangtze River Economic Belt? More thinking and exploration are needed in the provinces and cities along the Yangtze River. How to coordinate coastal, riverside, border and inland opening, realize organic integration with the "Belt and Road" construction, and cultivate new advantages in international economic cooperation and competition? The construction of the Yangtze River Economic Belt still needs a new starting point, down-to-earth, long-term success, and more and greater achievements. (Economic Daily-China Economic Net reporter Li Hui)

　　The surging heart of the Yangtze River

　　Our reporter Li Yuyang

　　Several colleagues and I started from boarding the ship in Wuhan, "Rivers flow — — Report from the Yangtze River Economic Belt. Unforgettable 15 days, facing the hot summer and high temperature, we also experienced typhoon landing and torrential rain. Going out early and returning late, flying in Dai Yue, almost every day, after issuing the manuscript of the day and doing a good job of coordination, summary and preparation, it is already the early morning of the next day. But I still don’t feel tired, and I am still passionate. A strong sense of mission has provided me with inexhaustible motivation.

　　This interview is a good exercise of party spirit, which improves one’s political position and has a deeper understanding of the great significance of the development strategy of the Yangtze River Economic Belt. It has become the consensus of the cadres and masses in the middle and lower reaches of the Yangtze River Economic Belt that "we should pay great attention to great protection and not to great development". According to their own characteristics, all localities have made their own explorations on "ecological priority and green development" and formed a "chorus".

　　In the process of close contact with the provinces and cities in the Yangtze River Economic Belt, the magnificent Yangtze River and the green mountains and green waters along the way inspired my strong patriotic feelings. Empathy is very important. Only with empathy can we build a community of destiny more consciously and feel more responsible. We sincerely want to protect the clear water of this river from flowing eastward and drum and shout for the Yangtze River.

　　Along the way, what I saw and heard was mostly the achievements made in promoting the construction of the Yangtze River Economic Belt in recent years. The water is clear, the sky is blue, and the species are rich … … I am more concerned about how the people here live. Because all efforts are aimed at increasing the well-being of the people. Seeing that the life of the people along the coast is getting more and more prosperous after the improvement of the environment, I deeply understand Lucid waters and lush mountains are invaluable assets. (Economic Daily-China Economic Net reporter Li Hui)

　　Everyone’s green mountains and green waters

　　Growing up by the river, I participated in the "River Running — — The report from the Yangtze River Economic Belt was deeply cordial. In these days’ interviews, I met many people and heard many stories. The deepest feeling is that it is everyone’s responsibility to protect the mother river, because it is everyone’s green mountains and green waters.

　　In Lijiang, Yunnan, we saw a lush willow forest beside the Jinsha River. The 77-year-old local villager and Zezhou are model willows. He told me that "protecting the ecology means protecting yourself". He recalled that the local people began to plant trees spontaneously 60 years ago. In the ancient legend circulating in Lijiang, man and nature are half-brothers, and they should live in harmony.

　　In Guizhou, there is a Kurenai Wataru village near Wujiang River, a tributary of the Yangtze River. Zhou Ziting, a village party secretary, told me that it used to be a poor nest, but now it has become a silver nest, which has created a good way for tourism to get rid of poverty. The industrial development has been upgraded from "planting land" to "selling scenery", and good ecological resources have contributed. Here, "Lucid waters and lush mountains are invaluable assets" is not a slogan but a reality.

　　There are countless such stories. But this is not to say that the Yangtze River has been well protected. In fact, the ecological protection of the Yangtze River has many shortcomings. It’s just that we are glad to see that ecological priority, green development, joint protection and no development are becoming the consensus of the people along the coast. (Economic Daily-China Economic Net reporter She Huimin)

　　Kinetic energy conversion makes the beautiful Yangtze River.

　　Our reporter Zhou Mingyang

　　Along the Yangtze River, no matter vigorously developing ecological economy or promoting the construction of strategic emerging industries, the exploration of taking the road of "ecological priority and green development" has achieved initial results.

　　Promoting the development of the Yangtze River Economic Belt and handling the relationship between ecological environmental protection and economic development is the most important thing. In the interview, we saw a vivid case: Guantian Village, Suijiang County, Zhaotong City, Yunnan Province, used geographical advantages to plant "Banbianhong" plums, which increased vegetation coverage, kept soil and water, and at the same time drove farmers to increase their income, achieving a double harvest of economic and ecological benefits. The world-renowned quality of flowers in Yunnan, wine in Guizhou and tea in Sichuan benefits from a good environment. People regard the environment as a treasure, protect it in development and develop it in protection, and truly turn "green mountains and green hills" into "Jinshan Yinshan".

　　To build a modern economic system, we need to deal with the relationship between breaking old kinetic energy and cultivating new kinetic energy. In the interview, we saw that the conversion of kinetic energy in the development of the Yangtze River Economic Belt has achieved remarkable results. Yibin, Sichuan, which once relied on liquor and coal as its pillar industries, is accelerating the development of strategic emerging industries such as intelligent terminals and rail transit. As an old industrial base and manufacturing base, Chongqing has accelerated the transformation and upgrading of traditional industries, and the green environmental protection industry represented by the Internet and new energy has increasingly become the foundation of sustainable development. In the interview, such examples abound, and the industrial development along the Yangtze River Economic Belt is realizing a cage change and a phoenix nirvana.

　　There is no small thing to do for the people.

　　During half a month’s investigation and interview along the Yangtze River, I found more and more: whether it is to build an economic Yangtze River, an ecological Yangtze River or a cultural Yangtze River, its essence is to increase the well-being of the people along the line. As the saying goes, "the interests of the people are no small matter, and every leaf is always concerned."

　　In Wuhan, the transformation of shanty towns and the improvement of the ecological environment are no trivial matters, and the vivid practice of improving people’s livelihood is responding to people’s yearning for a better life — — Living in Qingheju Community in Qingshan District, enjoying the renovation of new houses in shanty towns with complete facilities and convenient transportation; Ride on the lush East Lake Greenway, enjoy the beautiful lakes and mountains, and breathe fresh air … … The transformation of shanty towns and a good ecological environment have become real well-being of people’s livelihood.

　　In Yangzhou, the protection and renovation project of "Shuangdong" historic district, such as street lane renovation, infrastructure renovation, residential renovation and street style renovation, has been fully implemented, and more than 100 residential houses have been renovated, more than 230 shops along the street have been repaired and restored, and more than 30 old streets and lanes have been renovated.

　　Going deep into six provinces and cities (Hubei, Jiangxi, Anhui, Jiangsu, Shanghai and Zhejiang) has made me a friend of many people along the Yangtze River. Tracing back to the roots, the roots of journalists are at the grassroots level. Only when our feet stand on the ground and among the masses, will our roots be deeper, our hearts be truer, and our road will be wider and farther. (Economic Daily-China Economic Net reporter Wen Jicong)

　　Be a recorder of the new era

　　Take part in the "River Running — — What a wonderful thing it is to interview the theme of the report from the Yangtze River Economic Belt!

　　When I was in college, I drank long river water for 4 years. After arriving in Beijing, I continued to drink the Yangtze River water from the South-to-North Water Diversion Project. The water of the Yangtze River melts into my body and goes deep into my soul.

　　On August 3rd, I started this report from Wuhan. The beautiful scenery of Wuhan River Beach shows me that the concept of "ecological priority and green development" has taken root along the Yangtze River. Wuhan Yangluo Port Iron-water Intermodal Transport Project connects the upper, middle and lower reaches of the Yangtze River in series, connecting the world and becoming the epitome of the development of inland ports in the golden waterway of the Yangtze River.

　　In Nanchang, I saw that the front fuselage, middle fuselage and rear fuselage of domestic large aircraft C919 were produced by Hongdu Commercial Aircraft Company. Jingneng Optoelectronics has become the world leader in LED photoelectric industry. Nanchang, relying on the agglomeration of high-tech industries, is taking off and has a bright future.

　　It was 1: 00 a.m. when I passed Wuhu by passenger ship at night. The lights of Binjiang Park are flashing, and Zhongjiang Tower has stood silently at the intersection of Qingyi River and Yangtze River for 500 years, witnessing the city becoming brighter and more beautiful. The construction site of Wuhu Shanghehang Yangtze River Bridge is brightly lit. This city will add another Yangtze River Bridge and usher in new development.

　　"The tiger’s dragon plate is better than the past, and it is turned upside down and generous." In Nanjing, there is a surge of creativity in Jiangbei New District, a national new district, where a group of innovative enterprises gather. On the Jiang Xinzhou across the river from Jiangbei New District, a world-class "Eco-tech City and Low-carbon Wisdom Island" is under construction. Innovation is becoming the key word for the development of Nanjing.

　　"A leaf is swaying in the Yangtze River, and the white clouds are Su Yang everywhere." In Shanghai, the free trade zone has been tried first, and the Shanghai electronic port has become a powerful measure to promote the integration of customs clearance, greatly improving the convenience of customs clearance for ships and goods. Wusongkou International Cruise Port has become the largest cruise home port in Asia and the fourth largest in the world. Shanghai, as an international metropolis, is constantly moving towards higher development goals.

　　The great river flows to the sea, and a new era will come. As a young reporter, I would like to be a recorder of the Yangtze River in the new era, and always pay attention to and repay the mother river! I wish the Yangtze River a better place, and I wish a river with clear water will last forever! (Economic Daily-China Economic Net reporter Wu Hao)

　　Carry out green development to the end

　　In midsummer, we started from the source of the mother river of the Yangtze River and went down the river to interview and investigate.

　　The interview for nearly a month is a particularly precious experience. Although the journey was tiring, I learned and tried many new ways of communication, which benefited me a lot. On July 31, under the command of the front and rear, I cooperated with journalists and website video reporters to bring a "mobile" report, which was broadcast live on a 1,000-ton passenger ship and a 100-meter elevator crossing the Three Gorges Dam, with more than 1.2 million people watching.

　　I was shocked by the live broadcast of the Three Gorges Dam. At the same time, the live broadcast experience made me feel that as a new media reporter, I should make more efforts to enrich the reporting forms. Tap the keyboard with one pair of hands to record what you see and hear; It is my duty to focus on finding the most beautiful images with one lens. Camera and mobile phone have become pens in my hand. It is my pursuit to immerse myself in the true feelings and portray the beauty of development and construction of the Yangtze River Economic Belt with new media language. In the youth of my life, I am proud to devote myself to my favorite journalism industry, and this unforgettable memory will be engraved in my heart forever.

　　Looking back on this trip, I saw the mountains and the waters, listening to river of no return and seeing the picturesque scenery. Walking in 11 provinces and cities along the Yangtze River Economic Belt, bending down, sinking down and grounding, trying to tell the stories of ecological Yangtze River, economic Yangtze River, cultural Yangtze River and people’s livelihood Yangtze River, also made me realize that it is everyone’s responsibility to protect the mother river of the Yangtze River. We should treat nature with awe, carry out green development to the end, and keep our mother river alive forever. (Economic Daily-China Economic Net reporter Zhang Qian)

　　Professional accomplishment and physical training

　　From the gathering of experts in Lijiang, Yunnan, intensive interviews have been conducted all over the travel itinerary every day. "How to show the first-hand scene to the greatest extent in a limited time and deliver the stories along the Yangtze River Economic Belt to the audience?" This is not only a practical test of whether new media and traditional media products can complement each other and interact with each other, but also a field training for me.

　　In front of Xiangjiaba Hydropower Station in Zhaotong City, Yunnan Province, I asked the responsible comrades of the local water conservancy department, "What is the breakthrough to achieve synergy between the power station construction and the expansion of neighboring ports" and "How to upgrade the power station function and help the downstream agricultural irrigation" … … Although there are still no definite answers to some questions at present, many ideas that lead to exploration are expressed in communication. It is this kind of thinking collision that presents the audience with a magnificent picture of the construction of the Yangtze River Economic Belt, and also makes me touch a business ladder of "endless learning" in the report — — To do news, we must not only fight for skills and awareness, but also deepen the various background materials in the reporting field.

　　To ensure the high-quality completion of the task, the second thing to be tempered is physical fitness. On the first day of the interview in Yunnan, a 20 kg bag was carried on the back, plateau, load, sun exposure, and high-intensity interview … … Let me realize the taste of "gritting my teeth" as my predecessors said; It took me nearly 4 hours to travel to Wushan County, Chongqing, and the Panshan Highway made me understand that physical fitness is also an important guarantee for my business ability. (China Economic Net reporter Xiao Wei)

　　Protect our mother river together.

　　I got on the boat from Wuhan and went down along the river. Along the way, I deeply felt that all localities were taking practical actions for the development of the Yangtze River Economic Belt and the environmental protection of the Yangtze River basin.

　　There are two scenes that I remember deeply.

　　One is the Freshwater Dolphin National Reserve in Tongling, Anhui Province. When interviewing Zhang Bajin, a finless porpoise breeder for 20 years, he said that he knew every finless porpoise he kept like the back of his hand. For decades, he regarded the finless porpoise as his own child, and appeared at the feeding point on time every day for decades without interruption. When he said that with the improvement of the water quality of the Yangtze River, the number of finless porpoises in the nature reserve has increased from the initial 3 to 11, his eyes were filled with tears of joy.

　　The second is in Songjiang, Shanghai. The G60 Industrial Park, which the local government aims to develop the economy and improve the local environment, has now reached the third stage. With the promotion of governments at all levels, Shanghai, Anhui, Jiangsu and Zhejiang provinces, a total of nine cities, will work together for common development and build an economic union in the Yangtze River Delta region.

　　From these two things, we can see that the concept of building a Yangtze River Economic Belt with "clear water, sky blue, green land and excellent industry" has penetrated into individuals, enterprises and governments at all levels. Everyone is consciously practicing the concept of "jointly protecting and not developing".

　　"I live at the head of the Yangtze River, and you live at the tail of the Yangtze River". Only by jointly guarding our mother river can we truly embark on a new path of ecological priority and green development. (China Economic Net reporter Wang Zhongqiang)

　　The first meeting of the 20th Central Financial and Economic Committee emphasized that it is necessary to implement the national strategy of actively responding to the aging population, promote the construction of the basic old-age service system, vigorously develop the silver-haired economy, accelerate the development of a multi-level and multi-pillar old-age insurance system, and strive to achieve a sense of security, a sense of worthiness and a sense of happiness for the elderly.

　　In recent years, China has vigorously developed the cause and industry of providing for the aged, providing a more solid guarantee for the realization of a sense of security for the elderly. Among them, insurance, banking and other financial industries continue to increase their support for the elderly, and while innovating financial products for the elderly, they strive to enrich the supply of old-age services and provide more choices for the elderly to enjoy their old age.

　　The insurance industry will expand the old-age service model to help better realize the sense of security, worthiness and happiness for the elderly.

　　In the morning, after eating nutritious breakfast, go for a walk in the small garden downstairs; In the afternoon, study chess and crafts with old friends in the old-age community; In the evening, watch movies and listen to the radio in the room … … In a retirement community in Maizidian Street, Chaoyang District, Beijing, 82-year-old Zhang Guangguo was quite satisfied with his life after living in the retirement community.

　　This is an old-age community operated by insurance institutions. "The details are very intimate. There are handrails next to the toilet, and you can take a bath in the bath. There are anti-slip mats on the ground. Professional health service stations are convenient for us to check up and get maintenance advice. This makes me feel practical. " Zhang Guangguo said.

　　In recent years, the community for the aged has gradually been welcomed by the elderly, and the community provides corresponding medical care and care services according to the physical condition and age stage of the elderly.

　　The pace of community construction for the aged is accelerating, and the insurance industry is involved. For example, China Pacific Insurance will undertake social institutional pension projects in the form of entrusted management for the first time on the basis of self-investment and self-construction and self-management of multiple pension communities; Taikang Insurance provided community services for the aged earlier in China, and new projects were put into operation this year. Some insurance institutions set up private equity investment funds for healthy old-age care to provide financial support for the old-age care community and high-quality enterprises in the upstream and downstream of the old-age care industry chain.

　　What are the reasons why the insurance industry continues to exert its strength in the pension industry? According to industry insiders, the pension community has a large investment scale and needs long-term stable financial support, which has a high matching with the characteristics of insurance funds. At the same time, the pension industry also has a high correlation with the main insurance industry.

　　"Providing old-age care services has a pulling effect on the main business of insurance." The person in charge of an insurance institution said that in recent years, the insurance demand of the people has changed, and the insurance products with additional pension services are more attractive, which is conducive to promoting the scale of business; At the same time, from satisfying customers’ single needs to providing one-stop comprehensive services, constantly optimizing service content and improving service quality will help improve customer satisfaction and trust and enhance customer stickiness.

　　In addition to professional institutions for the aged, the insurance industry is also exploring ways to increase the supply of community-based aged care services. Under the guidance of Beijing Civil Affairs Bureau, Taikang Yicai Public Welfare Foundation and Beihang Community Neighborhood Committee of Huayuan Road Street in Haidian District jointly established Beihang Community Smart Pension Service Consortium, and introduced intelligent networked alarms, vital signs detectors and other equipment to monitor the physical condition of the elderly in real time; Build an information management platform and link more than 20 service providers to provide diversified services such as life care, domestic maintenance, medical rehabilitation, emergency assistance, travel and residence for the elderly at home.

　　Ying Weiwei, chairman of Taikang Yicai Public Welfare Foundation, said that the Beihang Community Smart Pension Service Consortium has been in trial operation since March 2022, and has accumulated more than 1,000 person-times of supply and demand. "The smart pension model will be extended to more communities and professional quality services will be brought to more elderly people."

　　"Continuing to expand the service model for the aged will help the people to choose the appropriate old-age care method according to their own needs, and better realize the old age, the old age and the old age." Wang Xiangnan, deputy director of the Insurance and Economic Development Research Center of China Academy of Social Sciences, said.

　　"Actively guide the development of high-quality and diversified non-basic old-age care services, make them a useful supplement to the basic old-age care service system, and jointly build a multi-level sustainable old-age care service system with China characteristics." The relevant person in charge of the Ministry of Civil Affairs said.

　　Optimize the financial supply and strongly support the better development of the old-age care cause and the old-age care industry.

　　While expanding the supply of old-age care services, financial institutions provide strong support for the better development of old-age care and old-age care industry by increasing capital investment and helping personnel training.

　　— — Under the guidance of policies, more "real money and silver" are invested in the field of old-age care.

　　"At the beginning of this year, the Bank of Communications Henan Branch issued a loan of 24 million yuan, and the interest rate was very favorable. This fund is in place in time to help us better carry out comprehensive old-age service construction projects. " The person in charge of the comprehensive old-age service construction project in Kaifeng City, Henan Province, introduced that the project has a construction area of 26,000 square meters, and it is estimated that more than 800 old-age beds will be added after completion.

　　In November last year, after learning about the financing needs of the project, Henan Branch of Bank of Communications made a field investigation and visited, and granted the project a credit line of 100 million yuan in December last year with a term of 15 years and an interest rate of 4.4%. At the same time, Henan Branch of Bank of Communications actively applied to the People’s Bank of China for the amount of special refinancing support for inclusive pension. At present, the first batch of 24 million yuan loans have been supported by refinancing funds.

　　"Since the beginning of this year, we have applied for 4 special refinancing loans for Pratt & Whitney Pension, with an amount of 84 million yuan. With the support of policies, we will continue to promote the supply of inclusive old-age care services and contribute more financial strength to the all-round construction of inclusive old-age care service system. " Song Baodong, general manager of the corporate business department of Bank of Communications Henan Branch, said.

　　In April last year, the People’s Bank of China and the National Development and Reform Commission decided to carry out the pilot project of special refinancing for inclusive old-age care, guide financial institutions to provide preferential loans to inclusive old-age care institutions, and reduce the financing costs of old-age care institutions.

　　— — Help personnel training and lay a solid foundation for the expansion of old-age services.

　　It is particularly important for the development of the old-age care industry to train more professional old-age service talents. Through the integration of production and education, the financial industry actively assists the training of aged care service talents.

　　Taikang Insurance provides support for ordinary universities and vocational colleges to strengthen the professional construction of pension services, research and develop innovative courses, and carry out practical teaching. Vigorously promote the order training mode and actively support the connection between secondary and higher vocational education in related majors of aged care services; Encourage employees to participate in vocational skill appraisal, improve the mechanism of linking vocational skill level with the salary and treatment of aged care service personnel, and take many measures to help expand the supply of aged care service professionals.

　　Many provinces and cities explore the mode of "family care" and rely on long-term care insurance agencies to provide nursing skills training for relatives and nannies of disabled and demented elderly people according to relevant regulations. Under the professional guidance, "family care" personnel can better provide daily care services for the disabled elderly, such as cleaning and changing clothes, assisting in eating, sleeping care, health monitoring, and assisting in medication, and improve the quality of life of the elderly.

　　— — Strengthen the application of science and technology to improve the quality and efficiency of old-age care services.

　　Old-age care services involve a wide range, and the cost of manpower and material resources is high. Financial institutions rely on the advantages of resources and technology to strengthen the application of scientific and technological innovation and help improve the quality and efficiency of old-age services.

　　In the long-term care insurance pilot, local medical insurance funds play an important role. How to strengthen the supervision ability, make the nursing service delivered accurately, control the risk of funds, and prevent the medical insurance funds from leaking, is an important topic.

　　In Shandong Province, China Life has developed and applied the long-term care handling service system and mobile patrol APP, from the front-end application, viewing and uploading documents to the back-end evaluation, deliberation, filing, setting evaluation content, and later tracking and verification, realizing the whole process of mobile terminal management, effectively saving labor costs, and helping to support the vast rural areas to increase the supply of long-term care insurance and strengthen supervision.

　　Service "cloud" is more convenient for providing for the aged. Insurance institutions will speed up the informatization construction of old-age care services, develop and apply intelligent terminals, old-age care service platforms, information systems, APPs, etc. through technologies such as Internet of Things, mobile Internet, cloud computing and big data, and expand functions such as remote reminder, dynamic monitoring, automatic alarm and disposal, so as to carry out old-age care services more efficiently.

　　Do a good job in risk management, achieve healthy development, and further improve the financial support policy for the aged care service industry.

　　Experts said that in the future, it is necessary to better guide different types of financial institutions to give full play to their respective advantages to participate in the old-age care undertakings and industries, and provide stronger support for improving the supply level of old-age care services on the premise of doing a good job in risk management and achieving healthy development.

　　Lou Feipeng, a researcher at China Postal Savings Bank, said that the financial support policy for the aged care service industry can be further improved, financial institutions can be guided to increase their investment in the field of aged care, financing support and risk protection for aged care institutions should be strengthened according to laws and regulations, and assistance should be actively provided for the development of aged care services such as family aging adaptation and home community aged care service network, so as to promote the high-quality development of the aged care service industry.

　　The industry believes that insurance institutions should improve their investment management capabilities and risk management and control levels, and participate in the development of the aged care service industry in various ways; Property & casualty insurance companies can develop liability insurance for old-age care institutions to meet the latest insurance needs of the old-age care industry.

　　Han Qiang, general manager of China Industrial and Commercial Bank of China’s Pension Business Department, believes that we should intensify service innovation, and design and develop financial products that are suitable for the characteristics of its financing needs in combination with the capital flow path and risk characteristics of China’s pension industry. In addition, we should do a good job in service stratification and provide accurate financial services according to the needs of customers in the fields of medicine, entertainment, travel, nursing and learning.

　　According to industry insiders, in order to better incite social forces to participate in investment in the field of old-age care, corresponding tax incentives and subsidy policies can be given. At the same time, the lower operating costs of the old-age service institutions are also conducive to providing consumers with more inclusive old-age services.

　　Better prevention of risks can continuously optimize the supply of aged care services. Experts said that the "insurance+community for the aged" model requires higher qualifications of operators, so it is possible to set a certain entry threshold for carrying out related businesses, and strengthen supervision and review of access institutions to prevent improper operation and disorderly competition. In addition, when an insurance company sells insurance products that are connected with community services for the aged, it should fully consider various factors that affect the service supply capacity of community services for the aged and the demand of customers for occupancy, establish a calculation model, form a constraint mechanism that matches the scale of insurance products sold with the service supply capacity of community services for the aged, and determine a reasonable scale interval through classification calculation and stress testing.

　　Experts remind consumers that when choosing and purchasing old-age care services, they should pay attention to the formal institutions and channels, and check the investment projects in many ways and treat them with caution. In particular, for some "old-age projects" that are known as "projects under construction, payment first and accommodation guaranteed", we should be vigilant and avoid being deceived. Financial supervision departments should also strengthen monitoring and early warning tips to effectively safeguard the legitimate rights and interests of the elderly.

　　People’s Daily (18th edition, July 10th, 2023)