Saving “time currency” for retirement, what is the “time bank” that Beijing will launch soon?

According to the seventh census data in 2020, in the national population, the population aged 60 and above is 264 million, accounting for 18.70%, of which the population aged 65 and above is 191 million, accounting for 13.50%.

According to the standard put forward by the United Nations in 1956, when a country (region) has more than 7% of the total population aged 65 and above, it means that the country (region) has entered an aging society. That is to say, my country's population structure has not only entered an aging period, but may transition from mild aging to moderate aging in a very short period of time.

▲ Picture from: Xinhuanet

Accelerated aging has created a huge demand for elderly care services, so how to better combine family pension and social pension to meet the demand? is an urgent problem to be solved. At the two sessions shortly after the end, the government work report clearly stated that the development of the "time bank" mutual aid pension model is a work task of the municipal government. After that, Beijing launched a new measure to ease the pressure on elderly care services – Time Bank.

▲ Picture from: Beijing time

It can be seen in the "Beijing Senior Service Time Bank Implementation Plan (Trial)" that will be implemented from June 1, 2022, "Time Bank" is a model of "time for time". In fact, this kind of public welfare The mutual-aid pension model, which has been practiced abroad, has also entered my country in the last century, and has been implemented on a small scale in Shanghai, Wuhan, Nanjing and other cities.

According to Beijing's "Implementation Plan", permanent residents of Beijing who are over 18 years old, who are enthusiastic about public welfare undertakings, and who are physically and mentally healthy, or school students under the age of 18 in Beijing who participate in voluntary elderly care services under the leadership of their guardians, can become a resident of Beijing. Volunteer and establish a corresponding personal account in the "Time Bank".

▲ Picture from: Jiangnan Times

Volunteers can obtain "time coin" by accumulating the time of providing pension volunteer services. For every hour of service, they will get 1 "time coin" and deposit it into their personal account, which can be used to exchange for related pension services, and can be deposited and exchanged in the city. . After accumulating more than 10,000 (10,000 hours ≈ 416 days), you can also live in a public pension institution. Volunteers can exchange the same length of service for their own use after the age of 60, or they can give them to their immediate family members such as parents, grandparents, etc., so that their relatives can enjoy the service.

The service content of "Time Bank" mainly includes eight categories: emotional comfort, assistance services, travel companions, cultural and sports activities, health science, legal aid, training seminars, and guidance to prevent financial and cyber risks. Each district will also optimize the service content of the "Time Bank" according to the actual situation of the elderly in the district and the professional characteristics and distribution of volunteers, and launch service projects that meet the needs of personalized services.

▲ Picture from: Beijing News

Li Hongbing, deputy director of the Beijing Municipal Bureau of Civil Affairs, mentioned that the purpose of launching the "Time Bank" for elderly care services is to encourage and support the whole society to provide voluntary services for the elderly, and to promote the resources generated by such services to be formed among individuals, families and society. continuous cycle. In other words, the "time bank" just makes up for the shortage of staff in the current elderly care service to a certain extent.

According to the assumption when the "Time Bank" was formulated, time can generate exchange value and turn services into mutual assistance and cooperation, which can greatly mobilize people's enthusiasm and allow more volunteers to participate in elderly care services, thereby alleviating the shortage of nursing staff. problem. The idea is good, but the realization is not easy.

The basis of the mutual aid model of "time bank" actually has certain requirements on people's ideology. There needs to be a sense of obligation and buy-in for this, and without it, it can be difficult to organize and participate. And the currently set reward mechanism is aimed at ten or even decades later, which is also a challenge to the trust of society.

▲ Picture from: China Daily

There are also many people who have concerns about the core part of the "time bank", such as the standardization of services and whether it can run stably for a long time.

Regarding the standardization of "Time Bank", Beijing's current plan is to use Internet+, big data, artificial intelligence and other means to accurately connect supply and demand information through information management platforms such as platform WeChat mini-programs or APPs, and to adopt "intelligent" services. Supervision.

For example, using the information management platform to log in, authenticate, release information, record time and other operations; for volunteers participating in multiple services at the same time, high-frequency two-way services, abnormal late-night services, and frequent donations of "time coins", etc. The account will be reminded and tracked to prompt and track service behavior. If the fraudulent behavior is verified, measures will be taken, including the cancellation of the qualification for the identification and recording of elderly volunteer service information, and inclusion in the list of untrustworthy elderly care service institutions in Beijing.

In addition, in the current scope of services covered by "Time Bank", volunteers involved in financial, legal and other professional services with strong professionalism must have corresponding qualifications.

▲ Picture from: Beijing News

Regarding the security of how to ensure the continuous operation of the "Time Bank". Li Hongbing introduced: This year's government work report clearly stated that "time bank" is a work task of the municipal government. For the risks faced by it, corresponding designs will be made in advance and in response.

He also mentioned: endorsed by the government's credibility, on the basis that the underlying logic of the plan released today remains unchanged, specific measures will be continuously updated in the future. Funds should be prepared for the day-to-day management and implementation supervision of Time Bank, and it is called for the completion of multi-channel fundraising through social donations to resist the operational risks of Time Bank.

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