梁涛：养老市场需求与实际运营有巨大的反差，值得我们思考并从中吸取教训

Core Viewpoint - The current elderly care market faces contradictions, including the exit of major players and a significant gap between market demand and actual operations, leading to high vacancy rates and losses among many elderly care institutions [2][5][20]. Group 1: Market Conditions - The demand for elderly care institutions should be increasing due to the aging population, yet many institutions are experiencing high vacancy rates and financial losses, with only about 4% of institutions being profitable and around 35% operating at a loss [5][20]. - In Beijing, the average retirement pension for employees in 2024 is projected to be 4,658 yuan, while the cost of care facilities for disabled elderly individuals typically exceeds 5,500 yuan, with prices in central urban areas exceeding 10,000 yuan [18][24]. - As of the end of 2024, there are 40.6 thousand elderly care institutions with 7.99 million beds, which is severely insufficient compared to the 310 million elderly population, indicating a significant mismatch between theoretical demand and actual occupancy rates [9][18][24]. Group 2: Industry Challenges - The exit of major companies from the elderly care market, such as a central enterprise that once managed 10,000 beds, highlights the challenges of balancing profitability and operational sustainability [5][20]. - The pricing of elderly care services does not align with the actual payment capabilities of the elderly, leading to a situation where many elderly individuals cannot afford the necessary care, despite a large number of available beds [24][27]. - The mismatch between the construction and operation of elderly care institutions and the actual needs of the elderly population has resulted in a high vacancy rate and low occupancy, exacerbating the industry's challenges [24][27]. Group 3: Strategic Recommendations - The insurance industry should carefully balance its involvement in elderly care services, ensuring that it does not overextend into operational roles that could detract from its core financial risk management responsibilities [21][22]. - There is a need for a diversified approach to elderly care, integrating insurance with medical and health services to create a comprehensive support system for the elderly [28][29]. - The industry should focus on developing affordable and sustainable elderly care services that cater to a broader demographic, including community and home-based care options, to address the needs of the elderly population effectively [27][29].