四、长寿时代的对策
D. Countermeasures in the age of longevity
长寿时代是关系人类未来发展的重大问题，如何应对长寿时代带来的挑战，如何让长寿时代不伴随贫困和疾病，是整个人类面临的全球性的大问题，甚至是关系人类未来发展方向和生死存亡的问题。长寿时代和随之而来的健康时代和财富时代，影响的不仅仅是老龄阶段的个体，而是涉及全生命周期的人生规划。重新规划长寿时代个体全生命周期的安排，使个体可以更好地应对长寿时代的挑战，是社会、政府和企业都需要考虑的问题。
The age of longevity comprises a major issue in the future development of mankind, and finding ways to deal with the challenges that this era will bring and to free it from poverty and disease is a global issue facing humanity as a whole, even affecting the direction of our future development, and survival. The age of longevity and the eras of health and wealth which will come with it will affect individuals not only in their old age, but also their life planning across their entire life cycle. Replanning an individual’s arrangements across their entire life cycle in the age of longevity will allow them to more effectively meet the challenges of the age of longevity, and this is an issue which society at large, government and companies must take into consideration.
1.在社会层面，需通过产业结构的变迁满足长寿时代的个人需求
1. At the social level, individual needs will need to be met in the age of longevity through changes in the industrial structure.
个人是社会的基本单元，长寿时代，个人需求将呈现新特征。工业化时代人们通常将人生划分为三个阶段，教育期、就业期和退休期。随着长寿时代的到来，人生将由多个阶段组成，而不是工业化时代单一的线性维度（琳达·格拉顿等，2018）。随着人生的延长和人生阶段的变化，个人需要重新审视长寿的生命过程，对人力资本和财富的积累与消费重新进行规划。在此背景下，个人需求将表现出三个特征：一是健康需求，让生命质量得以有效延长，有充分的活力面对人生阶段的变化，而不是在虚弱和病痛中虚耗漫长的人生；二是财务和养老金需求，为预期增加的寿命储备更多的资金，维持财务稳定，满足养老和健康的需求，从而获得有质量的长寿人生；三是获取新知识、新技能的需求，长寿时代个人维持生计所需的知识和技能将不断变化，需要终身学习，随时代变化掌握新的技能，以更好地积累财富应对长寿人生。这些个人需求的变化都对现行的社会经济、政治、文化、教育、就业等所有结构提出挑战。
The individual is the basic unit of society, and in the age of longevity, individual needs will take on new characteristics. In the industrial era, people often divided their lives into three stages: an education phase, an employment phase, and a retirement phase. With the onset of the age of longevity, life will still consist of multiple stages rather than a single linear dimension of the industrial era (Lynda Gratton et al., 2018). With the extension of their life spans and the changes in their life stages, individuals will need to re-examine their life paths in a context of longevity, and re-plan their accumulation and consumption of human capital and wealth. In this context, individual needs will take on three characteristics. The first is a need for health, so as to effectively prolong their quality of life, and to ensure sufficient vitality to face the life stage changes rather than squander this longer life in a state of weakness and illness. The second is a need for finance and pensions, in order to reserve more funds for the expected increase in lifespan, maintain financial stability, and meet old age and health needs, so as to enjoy a high-quality life in the context of longevity. The third is a need to acquire new knowledge and skills. The knowledge and skills required to sustain one’s livelihood in the age of longevity will continue to change, and lifelong learning and the mastery of new skills over time will be required in order to accumulate wealth for a longer lifespan. These changes in personal needs pose challenges to all of our existing socio-economic, political, cultural, educational and employment structures.
个人需求的变化将带动社会产业结构从工业化向后工业化迈进。在这方面，中国可以借鉴很多发达国家转型的经验。从美国劳工统计局的数据来看，进入21世纪，服务相关的第三产业在经济中的占比得以提升。农业在1869年占美国GDP的近40%，到2013年只有1%。与农业相比，服务业在经济中的份额从1929年的40%上升到2013年的65%左右。与这个趋势类似，长寿时代个人最核心的三个需求恰恰都对应当前服务业中的高端产业。未来，与长寿相关的健康、养老、教育产业和与之对应的科技、研发产业的增长速度将明显高于均值。
Changes in personal needs will drive the social and industrial structure from an industrial to a post-industrial era. In this regard, China can learn from the experiences of many developed countries which are undergoing this transition. According to data from the US Bureau of Labor Statistics, as we enter the 21st century, the proportion of services-related tertiary industries in the economy has increased. In 1869, agriculture accounted for close to 40% of US GDP; by 2013, this was a mere 1%. In contrast to agriculture, the share of the service sector in the economy has risen, from 40% in 1929 to approximately 65% in 2013. Similarly to this trend, the three core personal needs of the age of longevity all correspond with high-end industries in today’s service sector. In future, the growth rates of longevity-related health, pensions and education industries and their associated technology and R&D industries will be significantly higher than the average.
2.在政府层面，需健全社保体系，推动医养供给侧改革，引导长寿经济转型和个体行为转变
2. At the government level, it is necessary to improve the social security system, promote healthcare supply-side reforms, and guide the transformation of the longevity economy and changes in individual behaviour
面对长寿时代的到来，社保体系的筹资与支付将面临更大的挑战，从维护社保体系稳定的角度看，政府可采取适当推迟职工退休年龄、增加社保缴费年限、提高社保筹资基数等措施。同时，政府应使社会保障体系适应长寿时代的变化，比如优化养老金三支柱比例，发展个人养老第三支柱，推动长期性广义养老金开展市场化投资；同时合理支出医保资金，提升慢病管理的效益，建立广覆盖的长期照护机制等。除了维护基础社会保障体系的稳定和高效，政府应该着力降低长寿时代的供给侧的成本，通过各类政策引导和激励扩大医养服务供给，充分发挥市场作用，弥补养老和健康服务缺口。政府可以通过土地与税费政策以及水、电、气等基础能耗的价格优惠政策，降低医养服务供给方的建设和运营成本；进一步放宽社会资本投资设立健康服务、养老机构的准入，为医养行业拓展投融资渠道；加强对医养运营服务的市场化监管与标准体系建设，推动社会办与公立医养服务供给方享受同等的发展与扶持政策。同时，政府应该持续引导保险与金融领域完善支付与产品体系，有效促进健康、养老相关服务消费，使得供给方在满足长寿时代服务需求的同时也能获得不断创新发展的动力。此外，政府应该鼓励教育和互联网产业提供更加适应长寿时代下民众的多层次职业教育、兴趣学习和社会交流需求的平台。
Faced with the onset of the age of longevity, the financing and payment of the social security system will face even greater challenges. The government could take appropriate measures to ensure the sustainablity of the social security system, such as postponing the retirement age of workers, increasing the number of years required for social security contributions, or raising the social security funding quota. At the same time, the government should adapt the social security system to the changes brought about by the age of longevity, for example by optimising the proportion of the three pension pillars, developing the third pillar, personal pensions, or encouraging long-term general pensions to conduct market-oriented investments. At the same time, medical insurance funds should be spent properly, in order to improve the effectiveness of chronic disease management, and establish a broad-coverage, long-term care mechanism. In addition to maintaining the sustainability and efficiency of the basic social security system, the government should work to reduce supply-side costs in the age of longevity, employing a variety of policies to guide and encourage the expansion of the supply of medical and nursing services, to fully utilise the role of the market, and to plug any gaps in pension and healthcare services. The government could also reduce the supply-side construction and operating costs of medical and nursing services through land and taxation policies, and price concessions for the consumption of basic necessities such as water, electricity and gas. It could further relax access to establish healthcare services and pension institutions for social capital, and expand investment and financing channels for the medical and nursing industries. The government could also enhance the market-based supervision and establish a system of standards for medical and nursing operations services, and call for equal development and support policies for social and public providers of medical and nursing services. Simultaneously, the government should continue to guide insurance and financial sector to further its payment and product systems, and effectively promote the consumption of health and eldercare services, so that providers can achieve the momentum for continuous, innovative development while at the same time meeting the service needs of the age of longevity. In addition, the government should encourage the education and Internet industries to provide platforms which are more suited to people’s multi-level vocational education, interest-oriented learning and social exchange needs in the age of longevity.
在经济政策层面，正如前文分析，为了减轻老龄人口对经济的冲击，政府除了持续推动技术升级，还需要大力推动长寿经济发展，创新就业岗位、提高就业的灵活性，为老年人继续参与经济活动、创造社会价值提供条件，在此基础上全面激发老龄人口的多元化需求，提升产业结构转型的质量和对长寿时代的适应性。
At the economic policy level, as we have seen above, in order to mitigate the impact of population ageing on the economy, the government should not only continue to support and encourage technological upgrading. It should also forcefully drive the development of the longevity economy, create new jobs, increase employment flexibility, and provide the necessary conditions for the elderly to continue to participate in economic activity and create social value. This would provide the basis for a comprehensive stimulus of the diverse needs of the elderly population, and improve the quality of the transformation of the industrial structure as well as its adaptability to the age of longevity.
最后，政府应积极引导个人转变认识和行为，使个人更积极主动地规划长寿人生。长寿时代的到来是个不可逆的命题，政府可加大教育、宣导的力度，帮助民众更清晰明确地认识到新时代的到来及个体将面对的挑战，鼓励个人持续积累人力资本，更早地开启财富规划。如前所述，长寿时代下，个人的人生将不再是单一的线性维度，在教育、职业选择等方面个体将具有更多的灵活性。对此，政府有必要考虑更灵活的社会治理模式与政策制度，帮助个体实现非线性人生所需的过渡，提高适应性。
Finally, the government should actively guide individuals to modify their knowledge and behaviour, so that individuals can plan their longevity lifestyles more proactively. The onset of the age of longevity is irreversible. The government can expand educational and publicity efforts, help the population to gain a clearer understanding of the onset of this new era and the challenges that individuals will have to face, and encourage individuals to continue to accumulate human capital, as well as embark on their wealth planning at an earlier stage. As we mentioned earlier, in the age of longevity, an individual’s life will no longer be a single linear dimension – individuals will have much greater flexibility, in educational, professional and other areas. In this regard, the government will need to consider more flexible models of social governance and policy making, to help individuals to complete the transition necessary for a non-linear life, and to improve their adaptability.
3.在企业层面，需加速商业模式和组织转型以应对长寿时代的挑战
3. At the corporate level, the transformation of business model and organisation must be accelerated in order to meet the challenges of the age of longevity
作为国民经济的细胞、市场经济活动的主要参与者，企业在长寿时代能够发挥的作用对社会、政府和个人来说都具有重要意义，同时企业未来的发展也必将受到长寿时代的影响，长寿时代正是企业解决突出矛盾、满足人民群众对美好生活的向往、创造核心价值的时代。长寿时代的社会需求以老龄人口的需求为基础，老人的需求将不仅仅是维持生存，而是实现自己的愿景，企业必须深刻了解这一需求变化，在商业上进行创新。哈佛大学的管理学者克莱顿·克里斯坦森（Clayton Christensen）于1997年提出了颠覆性创新理论，指出颠覆性创新就是用更简单、更便宜、比现有技术更可信赖和更方便的技术去争取胜利（克莱顿·克里斯坦森，2014）。为了满足长寿时代老人的需求，企业需要不断降低成本，使得面向老人的产品和服务更方便和实惠。举例来说，美国养老社区的发展，就遵从了这样一个创新原则，如“太阳城”，通过出售老年人可以贷款购买的大型养老社区住宅，把高尔夫俱乐部变成老人的日常的生活，开启了美国对积极退休生活的消费（Trolander，2011）。目前，新一代的养老社区正在把消费型的社区变成一个小型的长寿经济体，既通过规模化、集约化的方式满足老年人的基础性和发展性消费，又鼓励老人发挥银发智力继续创作与生产，这大大降低了高品质长寿生活的成本。
As the living cells of a nation’s economy and the main participants in market economic activities, companies can play an extremely significant role with regard to society, government and the individual in the age of longevity. At the same time, the future development of a business will also necessarily be impacted by the age of longevity, and this era will be the one in which businesses resolve their outstanding contradictions, satisfy the population’s desire for a better life, and create core values. Social needs in the age of longevity will be based on the needs of the elderly population, and the elderly will need not only to survive, but also make their own vision a reality. Companies will need to gain a profound understanding of this change in needs, and ensure that they innovate in their business. Clayton Christensen, a management scholar at Harvard University, first proposed the theory of disruptive innovation in 1997, pointing out that disruptive innovation is achieving your objective using simpler, easier technologies which are more reliable and more convenient than those presently available (Clayton Christensen, 2014). In order to meet the needs of the elderly in the age of longevity, enterprises will need to continue to reduce their costs, and make products and services for the elderly more convenient and affordable. To give just one example, the development of elder care communities in the US has adopted innovative principles of its kind. In one example, Sun City have made the golf club an everyday destination for pensioners by selling homes in large-scale elder care communities which the elderly can purchase with a mortgage, introducing the consumer concept of active retirement to the USA (Trolander, 2011). Today, this new generation of retirement communities is turning consumer-oriented communities into small-scale, long-lived economic entities, which not only meet the basic and developmental consumption of the elderly through scalability and intensive methods, but also encourage the elderly to make use of their silver-haired wisdom to continue to create and produce, greatly reducing the cost of high-quality, longevity living.
与需求改变和供给侧的创新相对应，我们认为共享和生态将成为企业的新组织形式。为了应对长寿时代的挑战，长寿时代的企业需要建立共享机制，以激发组织活力、提升组织效率。工业化时代的企业习惯于标准化的、流程化的、易于执行和管理的工作机制。而伴随长寿时代的到来，多阶段人生使得人们的工作和生活变得更灵活，这种灵活性将使传统企业对流程化、标准化和可预测性的诉求难以得到满足。为了适应这种变化，企业自身的内部型态也需要足够的灵活性来适应未来更多样化的个人职业发展需求。企业传统的雇佣模式将转变为合伙模式，建立利益共享机制，让成员找到归属感、价值感，体现企业家精神，从而最大程度地展现出积极性和创造力。同时，由于长寿时代人口年龄结构柱状特征，各年龄段人口分布均匀，年龄组内和组间的需求趋于多元化，这会带来市场集中度的下降和市场需求的多样化。而面对市场变化，只有建立生态产业体系的企业才能够满足长寿时代客户多样化的需求。在长寿时代，随着信息技术带来的便利，传统的大型企业将有可能被更多的小而精的细分领域的更专业的企业所包围，大型企业将与越来越多的小企业组成生态系统，共同迎接未来的挑战。
We believe that sharing and the ecology will become a new form of organisation for businesses in response to changing needs and supply-side innovation. In order to meet the challenges of the age of longevity, businesses in the age of longevity will need to establish sharing mechanisms to stimulate organisational vitality and improve organisational efficiency. Businesses in the industrial era have become accustomed to standardised, process-oriented working mechanisms which are easy to implement and manage. With the advent of the age of longevity, however, a multi-stage life will allow people to work and live more flexibly, and this flexibility will be difficult to meet for traditional businesses with process-oriented, standardised and predictable requirements. In order to adapt to this change, the internal forms of businesses themselves will also need to be flexible enough to adapt to the more diverse personal vocational development needs of the future. Enterprises’ traditional employment models will transform into partnership models, and benefit-sharing mechanisms will be established to allow members to find a sense of belonging and value, and reflect an entrepreneurial spirit, thus maximising enthusiasm and creativity. At the same time, because of the pillar-shaped population age structure of the age of longevity, the population will be evenly distributed throughout each age group, and needs within and between different age groups will tend to diversify, which will lead to a reduction in market concentration and a diversification of market demand. In the face of market changes, only businesses which establish an industrial ecology system will be able to satisfy the diverse needs of customers in the age of longevity. In the age of longevity, the convenience provided by information technology will mean that traditional large-scale businesses will very likely be surrounded by greater numbers of specialised businesses in small or sophisticated subsectors. These large-scale enterprises will create an ecological system incorporating ever-increasing numbers of small enterprises in order to meet future challenges.
我们注意到，相较其他企业，商业保险公司在参与构建长寿时代下的产业体系方面具有独特优势。保险是金融服务业，更是民生产业，与养老、健康产业有天然的交集。一方面商业保险公司可以通过不同类型的保险金的累积，解决不同层级客户未来长期的养老和健康资金需求；另一方面，在长寿时代商业保险公司不仅可以是个人和家庭医养支付资金的重要承担者，是企业和政府采购养老和健康保障计划的产品提供者，更可以成为医疗、养老、健康服务产业创新发展的有力促进者。借用保险资金特有的长期性和稳定性，商业保险公司长期投资支持养老地产、医疗健康产业的发展，不仅能解决上述产业发展的融资问题，也能实现保险资金投资的多元化，更是保险产业链的延伸，建立产业生态取得协同效用。
We note that in comparison with other enterprises, commercial insurance companies have a unique advantage when participating in the construction of an industrial system in the age of longevity. Insurance is a financial services industry, yet it is also a livelihood industry, having natural connections with eldercare and health industries. On the one hand, commercial insurance companies can solve the long-term pension and health funding needs of different levels of customer through the accumulation of different types of insurance funds. On the other, commercial insurance companies in the age of longevity are able to act not only as the disburser of personal and family medical care payments, but also as product providers to corporate- and government-sponsored and pension and health insurance plans. Furthermore, they could become powerful promoters of innovative development in the medical, pensions and healthcare services industries. By leveraging the long-term, stable nature of insurance funds, long-term investment by commercial insurance companies to support the development of eldercare real estate and healthcare industry could not only resolve the aforementioned issues regarding the financing of industrial development, but could also bring about the diversification of insurance fund investment. Furthermore, this extension of the insurance industry chain establishes an industrial ecology and achieves synergies.
中国正在迎来长寿时代，中国领先的保险公司都在不同程度上探索企业解决方案。泰康保险集团在23年的商业实践中把一家传统的人寿保险公司逐步改造、转变、转型为大健康生态体系，探索出一套应对长寿时代需求与挑战的企业解决方案，具有一定典型性，行业纷纷效仿，已经成为哈佛商学院的教学案例⑦，这里我们作为案例加以研究。泰康保险集团股份有限公司成立于1996年，至今已发展成为一家涵盖保险、资管、医养三大核心业务的大型保险金融服务集团。作为保险业首个在全国范围投资养老社区试点企业，该公司已完成北京、上海、广州等19个全国重点城市养老社区布局，成为全国最大的高品质连锁养老集团之一。秉承医养融合理念，养老社区内配建以康复、老年医学为特色的康复医院。围绕长寿时代的主题，该公司通过打造长寿、健康、富足三个闭环，构建大健康产业生态体系。其中，长寿闭环指寿险与养老服务构成的闭环，客户购买寿险和年金保障，在养老社区里安享晚年；健康闭环指健康险与医疗服务构成的闭环，客户购买健康保险保障，在医疗体系享受诊疗等健康服务；富足闭环指养老金与资管构成的闭环，客户购买各类财富管理产品实现财富的保值增值，保障自己的医疗和养老需求。我们认为，通过支付加服务，再结合中间的投资积累时间价值，泰康的商业模式构建出不同于传统保险竞争的全新维度，产生比较优势。
China is currently ushering in the age of longevity, and the country’s leading insurance companies are all to various degrees seeking their own business solutions. Taikang Insurance Group Inc. has, over 23 years of operational practice, gradually changed, transformed and remodelled itself from a traditional life insurance company into an ecological system of Big Health, seeking out a range of corporate solutions which meet the needs and challenges of the age of longevity. This case is representative to a certain degree, and the industry has gradually followed suit, such that it is now a study case at the Harvard Business School (7), and we will take a closer look at it here. Taikang Insurance Group Inc. was established in 1996, and has since developed into a major insurance and financial services group covering three core businesses: insurance, asset management and healthcare. The company was the first pilot enterprise in the insurance industry to invest in elderly care communities on a nationwide scale, establishing a network of elderly care communities distributed across 19 key cities in China, including Beijing, Shanghai and Guangzhou, making it one of China’s largest high-quality eldercare chain businesses. In line with their integrated concept of healthcare, these elderly care communities incorporate rehabilitation facilities providing rehabilitation and geriatric care. Focusing on the theme of the age of longevity, the company has constructed a ecological system of Big Health by creating three closed loops: longevity, health and affluence. Here, longevity refers to a closed loop of life insurance and eldercare services, in which customers purchase life insurance and annuity insurance, so that they can enjoy their old age in eldercare communities; health refers to a closed loop of health insurance and health-care services, in which customers purchase health insurance coverage, and receive diagnostic and other medical services within the healthcare system; and affluence refers to a closed loop comprising pension and asset management, in which customers purchase a range of wealth management products in order to ensure that their wealth is preserved and appreciates, thus protecting their own healthcare and eldercare needs. We believe that through payment plus services, combined with intermediate investments to accumulate time value, Taikang’s business model constructs an all-new dimension unlike its traditional insurance competitors, providing it with a competitive advantage.
从商业模式的角度来看，创新的本质是便捷和实惠。面对长寿时代的挑战，泰康将保险与实体医养相结合，通过专属的年金保险产品“幸福有约”附加养老社区保证入住函的方式，既为客户未来的长寿生活提供足够的资金积累，又提前锁定优质养老社区资源，实现了保险客户与养老服务的链接。在此基础上泰康进一步提出“活力养老、高端医疗、卓越理财、终极关怀”四位一体的全生命周期商业模式，在实体服务方面实现了对老年生命链的整合，目标是使长者们以最优的成本、最高的效率获得最优质的医养康宁全方位服务和体验。同时为了能够配合该商业模式的销售和服务，该公司打造了“健康财富规划师”这一全新职业，幸福有约系列产品、泰康之家养老社区和健康财富规划师三位一体全方位满足长寿时代人们对美好生活的向往。我们认为，泰康这种模式带来的效率提高和成本降低体现在以下几个方面：首先，养老社区在设计上体现适老化（如采用小户型设计），在建设运营上体现集约化，在连锁经营上从品牌推广到供应链都具有规模经济，这都体现了商业创新的本质；第二，养老社区的连锁运营有利于养老科技的创新和应用，替代部分昂贵人力，这有助于效率的进一步提升，使得居民享受更高质量和便捷的服务；最后，社区居民通过泰康的保险产品提前储蓄，享受复利效应，在入住后可以大大降低财务压力。泰康这种商业模式将使得更多的中产阶级能够负担得起高品质的养老生活，提高支付能力，降低消费成本，更好地追求长寿时代下的愿景，将推动一场养老革命。
From a business model perspective, the essence of this innovation is its convenience and affordability. Faced with the challenges of the age of longevity, Taikang has combined insurance with physical healthcare, and uses an exclusive annuity insurance product, “Happiness Guide”, together with guaranteed admittance to an eldercare community, thus providing customers with sufficient funds to cover their future longevity. In addition, high-quality eldercare community resources are also locked in in advance, establishing a link between the insurance customer and the eldercare service. On this basis, Taikang further proposes a four-in-one full-lifecycle business model, comprising “vibrant elderly care, high-end medical care, outstanding financial management, and end-of-life care”. In terms of physical services, this achieves the integration of the old-age life chain, the aim being to enable the elderly to obtain the highest-quality Kangning healthcare range of services and experience at the lowest cost and with the highest efficiency. At the same time, in order to coordinate the sales and services provided under this business model, the company has created a new career position, of “Health & Wealth Planner (HWP)”. This trinity, of the Happiness Guide range of products, the Taikang Community eldercare communities and Health & Wealth Planner (HWP), effectively satisfy people’s yearning for a better life in this age of longevity. We believe that the improvements in efficiency and the reductions in costs brought about by this Taikang model are reflected in the following ways: first of all, the eldercare communities are elder-friendly in terms of their design (for example, in their use of small apartment designs), while also intensifying construction and operations processes, and the operations chain incorporates economies of scale ranging from brand promotion through to supply chains. All of these factors reflect the essence of business innovation. Secondly, the chain operation of the elderly care communities is conducive to the innovation and application of technologies for the elderly, partly replacing expensive manpower, which helps to further improve efficiency, and provides residents with access to higher quality, more convenient services. Finally, community residents save in advance through the use of Taikang’s insurance products, benefiting from the compound-interest effect, which greatly reduces their financial pressure after they move in. Taikang’s business model will enable greater numbers of middle-class people to afford high-quality old-age living, improve their ability to pay, reduce consumption costs, and more effectively pursue the vision of an age of longevity, which will drive an eldercare revolution.
作为一个企业面向长寿时代的探索，我们也发现它会对政府政策和社会发展造成深远的影响。近年来国家颁布一系列文件鼓励和支持保险企业为社会服务领域提供长期股本融资、参与养老服务机构的建设运营、引领医养领域的改革发展，比如2020年银保监会联合十三部委颁布的《关于促进社会服务领域商业保险发展的意见》就指出，允许商业保险机构有序投资设立中西医等医疗机构和康复、照护、医养结合等健康服务机构；鼓励保险资金与其他社会资本合作设立具备医养结合服务功能的养老机构，增加多样化养老服务供给等等。泰康方案的实践与国家政策的制定颁布相互促进和印证。在社会层面，泰康养老社区正在通过提供长寿服务向社会赋能，尝试成为长寿经济的试验田。在需求端，养老社区致力于提供健康咨询、健康管理等医疗服务，提供高质量的文化活动及交流场所，通过科技应用打造更多适老化设施，实现健康养老、文化养老、智慧养老；在供给端，养老社区为长者们发挥余力反哺社会搭建新的平台，通过提供远程教学、搭建专家平台等方式让长者们积累的知识经验持续指导社会生产，持续创造价值。
As a company facing the age of longevity, we have also found that this will have a profound impact on government policy and social development. In recent years, the state has promulgated a series of documents encouraging and supporting insurance enterprises to provide long-term equity financing in the social services sector, to participate in the construction and operation of eldercare institutions, and to lead the reform and development of the medical and nursing fields. For example, in 2020, Opinions on Promoting the Development of Commercial Insurance in the Field of Social Services, promulgated by the China Banking and Insurance Regulatory Commission in conjunction with 13 ministries, noted that commercial insurance institutions should be allowed to invest in the establishment of medical institutions providing Traditional Chinese and Western medical services, as well as institutions which provide a combination of rehabilitation, care, medical, nursing and other healthcare services. Insurance funds should be encouraged to cooperate with forms of other social capital to establish eldercare institutions which provide integrated medical and eldercare services, and increase the supply of diversified eldercare services, inter alia. Practice in the Taikang programme and the formulation and promulgation of state policy provide mutual promotion and confirmation. At the social level, Taikang eldercare communities empower society through the provision of longevity services, as they attempt to become a test sector for the longevity economy. On the demand side, the eldercare communities are committed to providing medical services such as health consultancy and management, and also provide high-quality cultural activities and venues for residents to meet in. Science and technology is being applied to create more elder-friendly facilities, and achieve health-focused, culture-oriented, smart elder care. On the supply side, the eldercare communities provide a new platform on which the elderly can apply their abilities and give back to society. Through the provision of distance teaching and the establishment of expertise platforms, inter alia, the accumulated knowledge and experience of these elders continue to guide social production, and to create value.
综上所述，泰康方案的本质是用商业方式推动一场养老革命，用市场经济的方法和商业创新来不断提升效率、降低成本，为人类社会进入长寿时代提供应对思路。这不仅是长寿时代的企业解决方案，而且是一种以企业的力量推动社会和政府解决长寿时代挑战的方案。在长寿时代的浪潮之下，中国需要更多企业投入到社会民生工程的建设当中，成长为大健康和大民生工程的核心骨干企业。
In summary, the essence of the Taikang programme is to promote an eldercare revolution using commercial methods, and continuously increase efficiency and reduce costs using market economy and business innovation in order to provide an appropriate line of thinking for human society as it enters the age of longevity. This is not only an enterprise solution for the age of longevity, but also a solution which leverages the power of business to promote social and governmental solutions to the challenges of the age of longevity. In the face of the age of longevity wave, China needs more companies to invest in the construction of social livelihood projects, and grow into core backbone Big Health and Big Livelihood businesses.