The old people, who had suffered for most of their lives, handed over their entire fortune with hope, thinking that they had grabbed a straw to save their lives, but they did not expect it to be the last one to break the camel’s back.
A thunderstorm started on the ground, and a storm was added to the body. On January 19, 2021, a 62-year-old man surnamed Cao from Yiyang, Hunan Province, jumped into the river in desperation because of the accident of the Nano senior citizen apartment in which he had invested all his savings, tearing open a bloody and cruel world.
According to public reports, the illegal fund-raising case of Nano Apartment involved more than 4,000 senior citizens and up to more than 300 million contract payments. Digging deeper, the scattered net type of harvesting is actually common in the country, the difference is just that, different versions of the same story.
The difference is that there are different versions of the same story. On the one hand, under the banner of “for the good of the elderly”, the professional marketing team canvasses customers; on the other hand, they promise high interest rates, year-end trips, early bed residency, etc. The black-hearted institutions build up a seemingly attractive illusion of old age until the bubble is burst.
The money that many seniors throw in is saved from their hard work as odd jobs, and when the Time comes to take care of themselves, all they get is a sad and powerless ending.
Some people live for more than a month, the water and Food was cut off; some people are so angry that they can’t think of going to extremes; some people can only drag their sick bodies to continue to find work.
In the discussion of the topic of old age on the Internet, a popular answer is: “The world, which was once theirs, is where they will go in their ultimate lifetime, and will be where we will go.”
Their old age with no support, no care, and old age with dupes is a microcosm of the present and future of the whole society.
01 Severe aging problem black-hearted institutions take advantage of the opportunity to flood in
Whether one wants to admit it or not, China is rapidly aging.
From 1990 to the present, the proportion of China’s elderly population over 60 years old has skyrocketed from 8.5% to 18%, which has greatly exceeded the international red line of 10% for an aging society.
By 2020, the domestic population of people over 60 years old will exceed 250 million. According to the forecast, by 2050, China will have nearly 500 million elderly people, jumping to become the world’s oldest country.
The surging tide of aging corresponds to a serious lack of resources for the elderly. According to 2019 statistics, China’s average of about every five labor force to support an elderly, the development, to the middle of this century after the start of the 90 retirement, may be close to a young people to support an elderly.
With the national situation of “getting old before getting rich” and young people being forced by the high pace of work pressure to be too busy to provide long-term meticulous care, along with the shrinking function of Family retirement, professional institutionalized retirement has become a major trend.
However, even the seemingly simple wish of entering a nursing Home is difficult to achieve. A few years ago, there was a news report that the national benchmark public nursing home, there are 1,100 beds more than 10,000 people in line, waiting for dozens of people to move in each year, even by 100 people, it will take 100 years to wait.
Porridge is scarce but urgent, the state has increased diversified investment since 2018 to encourage social forces to build elderly institutions.
The State Council even issued a letter to cancel the establishment of the elderly license. This means that nowadays, to start a private nursing home, you only need to go to the civil affairs department for the record, which is intended to simplify the starting point, but allows speculators to find a crack.
Combined with favorable subsidies from around the world, the gray area has expanded greatly. In the Southern Weekend report, Hunan elderly institutions after the massive explosion of the tide of research found that the creation of private capital for the elderly institutions, can be described as a mix of fish and dragon.
There are individual bosses who have made a fortune selling scrap, contractors in the construction industry, farmers who have contracted rape fields, and even scammers who are wanted by the police, whose intentions are self-explanatory.
What’s more thoughtful is that in Hunan Yiyang local, in recent years there have been dozens of pre-sale elderly institutions such as Sunset Red, Rouge Lake, Court Old, Yixinyuan, etc. all collapsed, and many elderly eventually chose to commit suicide.
And according to the latest mapping survey by the public security authorities in Hunan Province, there are 327 private pension enterprises in the province, of which up to 37 are suspected of illegal fund-raising, with a very high crime index. In other words, one tenth of the province’s private elderly institutions at any time there is a risk of bursting mines.
The money comes too easily, or the elderly are too slow to get information, similar fishing methods, the same means of Gold, have been staged throughout the country.
Lao Qingxiang in Nanchang, Jiangxi Province, Swan Lake in Zhengzhou, Henan Province, Boai in Mianyang, Sichuan Province, Tian Yiju in Foshan, Guangdong Province, and Jin Longze Nursing Home in Jinzhong, Shanxi Province …… From 2018 to 2020, there were as many as 6,614 cases of illegal fundraising related to the pension industry.
Each of them is hundreds of millions of dollars, and it is hard to imagine how much fragmentation there is behind this.
02 warmth behind all sets of money circle all the way
In contrast to the outside world’s Perception of “sky-high prices”, these bursts of pension institutions are generally very fair in pricing, trying to create the image of “good value for money” products.
Take the well-known “Love Heart” senior citizen apartment in Tianxin District, Changsha, which was filed in June 2020, for example, the elderly were charged only 3,000 yuan per month for a room.
At the same price, you can only live in an old and dilapidated public nursing home, and can not get a number. In contrast, the “Heart of Love” is not only cost-effective, and the location is excellent, the Xiangjiang River, facing the head of the Orange Island, said to be “the only river view room feng shui treasure” in Changsha, there are supporting hospitals 24 hours of attentive service, it is difficult not to be impressed.
The tempting “bait” is just a bluff, the back is the main event. The first thing you need to do is to pay for the card.
The elderly first have to pay for a card to become a member of the Heart of Love, this membership fee ranging from 35,000 to 500,000 yuan, different membership fees to enjoy the room cost discounts and benefits also vary.
The point that may cause hesitation is that this money needs to be put in the Heart of Love for two years, but there are plenty of backstabbing tricks from black institutions. In addition to the promise of an immediate refund upon expiration, the membership fee has an annual “interest refund” of 12%, which not only ensures the needs of retirement, but also meets the asset preservation, which has a hundred benefits but no harm, so it is impossible to find a reason to refuse.
Moreover, the image of Love Heart is quite formal. As early as 2017, the Civil Affairs Bureau of Changsha Tianxin District officially issued a certificate of registration to Love Heart as a private non-enterprise unit.
After that, the leaders of Changsha Civil Affairs Bureau visited Love Heart for many times, and the second phase of Love Heart Apartments was once listed as a key government project by Tianxin District, so the background and background is strong.
After further dispelling the doubts, the usual “Huairou” utility of the black institutions also came to the fore. The sweet-talking salesmen carry gifts to the door every now and then to warm up, some also personally laundry and cooking, so that the elderly in the subtle drop of caution, the water to voluntarily enter the pit.
Regardless of the means, the purpose of these black institutions is the same, that is, through the so-called “speculative bed”, to achieve invisible fund-raising.
Like the NANO Senior Residences mentioned at the beginning of the article, the practice is equally bad. It claims that if you pay 30,000 yuan in advance, you can get a 10% discount on the beds; if you deposit 110,000 yuan, you can get a “permanent residence permit” of the senior residence and a 30% discount on the beds.
In short, the more you pay, the bigger the discount on the bed fee. Even if you don’t move in, you can get a certain percentage of dividends every year, and the principal will be returned at the end of the contract, the same way.
The snowball has rolled up, but it is impossible for these elderly institutions to achieve real profit. In order to obtain government financial support, black institutions for the initial construction of senior apartments, nursing homes and other infrastructure is bound to invest a lot of money.
In addition, the elderly institutions also need to support the huge salesman and operation and management costs, single intensive advertising expenditure this, is the burning money big.
Therefore, the seemingly high dividend rate (usually several times or even nearly ten times higher than the interest rate of bank time deposits) is just a superficial capital operation. In order to repay the “principal + interest” of the senior citizens who have paid the deposit, the organization must continue to make up for the hole of the previous batch by attracting more senior citizens to pay the deposit.
As a result, the number of seniors lured to reserve beds at Nano Senior Living actually greatly exceeded the capacity of the apartment itself, for example, Nano Senior Living actually had only 300 beds, but collected more than 7,000 bed reservations.
In the case of Heart of Love Senior Living, even for the more than 200 elderly people who were “lucky” enough to live in the apartment, the elderly had to face the dilemma of losing their food after a collective strike caused by the unpaid wages of the staff.
This kind of money-making model based on selfishness is like a gold-swallowing machine destined for destruction, which will automatically collapse as soon as the chain breaks somewhere.
In other words, the mine has been planted from the beginning of the operation, just waiting for the detonation.
03 What should we do in the end to solve the problem of old age which is difficult to resettle?
In the media follow-up reports, the heavy is that most of the elderly victims choose not to mention, alone to face the “cheated” ordeal, the reason is afraid to give their children “add to the problem”.
In fact, the survival plight of the elderly is far more difficult than imagined. In early 2020, because of the new pneumonia rampant can not go out, Kunming, a 70-year-old man surnamed Zhang no one to take care of, the two sons will negotiate the weekly take-out point.
At first it was two copies a day, two months later it became a delivery of three or four days’ worth of portions at a time, just because you can save on delivery fees, but the refrigerator in the old man’s house had long since broken down at that time.
When the temperature rose, hundreds of take-out boxes were piled up in a scribble, turning the old man’s place into a rotten and smelly garbage heap. What’s even more chilling is that the two sons barely set foot in their mother’s house again, even after the Epidemic had subsided, because they had tasted the sweetness of take-out.
This is not an isolated case, in many families that are not well-off, takeout has become the most convenient means of remote support. A delivery boy in Guangzhou found an elderly man living alone who had fainted and passed away while delivering food.
Even for families with a good economic base, the one thing children can do more of is to hire a nanny to take care of them. But paying a significant amount of money often does not result in the same value of service, and can even risk losing one’s Life.
In May 2020, a nanny in Liyang, Jiangsu province, smothered an 83-year-old woman to death after only eight days of work, and the entire killing process was so skillful that it led to more horrific “poisonous nanny” incidents.
At a time of helplessness, private retirement institutions with excellent hardware, good software, and investment in self-occupation are a rare ray of hope for the elderly in their obscure old age.
The elderly, who have suffered for most of their lives, entrusted their entire fortune with hope, thinking they had grabbed a straw, but not expecting it to be the last one to break the camel’s back.
”Similar mine bursts will not stop, and will continue to happen in the future.” A senior person engaged in the pension industry said that at present in the country, private pension institutions generally face liquidity problems, the practice of pre-sale system sales is the unspoken rules of the trade.
But the cunning of the black-hearted institutions is to take advantage of the regulatory gap, never set up a third-party depository to ensure the safety of funds, once the east wind incident, the person in charge will disappear overnight, roll up the money and run away.
As a sensational national case, the senior care service organization “Aifujia”, which has more than 6,000 employees and nearly one million members, is a typical example.
The owner, Cao Binming, publicly advertised himself as a “second-generation filial son” and physically nagged the elderly up close and personal. Behind each “warm” conversation, Cao Binming would find the right moment to introduce the company’s latest business, and some elderly people invested one million on the spot.
The old people in the dark were unaware that ten billion yuan of funds were being used to transfer, squander and launder money, and after being unable to pay, Cao Binming immediately absconded from Thailand and was only escorted back to his country a year later.
The irony is that Cao Binming, who spends all his time promoting positive energy, is also a former criminal with a criminal record, having served time in prison for theft.
Although the pension crisis is as deep as the abyss, it is not without positive signs. In November 2020, the central government issued the “14th Five-Year Plan”, has been the development of the pension business, to deal with the aging of the national strategy.
After the initial exploration period, the new pension cooperative investment model (real estate company + medical enterprise + life insurance company) has gradually transitioned to a mature stage.
That is, the life insurance company provides financial support, then the real estate company provides geographical resources, and finally the medical institution provides nursing care, thus forming a virtuous cycle.
However, in the specific practice process, it will also encounter building violations, talent gaps and privilege problems caused by the fee level, etc., which will require time for continuous improvement.
People who do not get old, who have pity in old age, if a peaceful old age, eventually only reduced to an unattainable luxury, that is different from the real human purgatory and what?
May this day never come.
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