Research On The Development Of Time Bank Mutual Pensio N Model And Countermeasures

With the deepening of the aging of the domestic population and the increasing number of elderly people in China,the contradictions between the growing demand for elderly care services and the insufficient supply of elderly care services at this stage,the high cost of elderly care services and the weak payment ability of the elderly have become practical problems,and exploring diversified elderly care service models has become an inevitable trend to promote the development of domestic elderly care services.In 2016,the Ministry of Civil Affairs pointed out the pilot work of home care and community elderly care services,in 2018,Premier Li Keqiang proposed in the government work report to "actively respond to the aging of the population and develop home,community and mutual aid elderly care",and in 2019,the Ministry of Civil Affairs included time banks in the pilot scope of home community elderly care service reform.As a new pension model,time bank mutual assistance for the elderly aims to establish a cross-time mutual aid mechanism for the elderly,advocate the young elderly to provide elderly care services for the elderly,store service time,and accept the services provided by other volunteers when they need help.The model is based on the way of mutual aid,by organizing idle people and realizing the reallocation of pension resources,not only can help the elderly in need,but also accumulate pension capital for themselves,reduce the burden of family pension and social pension to a certain extent,effectively practice the theory of "active aging",adapt to changes in China’s population structure,and conform to the traditional culture of "mutual assistance" in China.Based on Wu’S three-dimensional credit theory and social exchange theory,this paper takes the mutual aid pension model of Q community time bank in Guilin as an example,and through interviews with Q community staff,volunteers and service objects,this paper understands the policy documents,publicity methods,volunteer team construction,funding sources,service platforms,pension service capabilities and risk control capabilities of Q community time bank in the operation process.This study takes Wu’S three-dimensional credit theory as the research perspective,starts from the trust problem,and analyzes the problems faced by the model from the three perspectives of development environment,development resources and development ability.The analysis results show that the Q community time bank mutual aid pension model has the problems of imperfect security system and insufficient publicity in the development environment.In terms of development resources,there are problems such as imperfect construction of volunteer teams,lack of continuous incentives,insufficient funding sources,and lack of technical support;In terms of development capacity,there are problems such as service capacity to be improved and lack of ability to resist risks.In this regard,first,we must strengthen the top-level design of the government,improve social awareness,and optimize the development environment of the time bank mutual aid pension model;Second,we must strengthen volunteer professional skills training,improve the construction of incentive mechanisms,establish diversified funding source channels,establish a national information system of time banks,and deeply tap the development resources of the time bank mutual aid pension model;Third,we must improve the ability of pension services and risk control,and improve the development ability of the time bank mutual aid pension model.Through the above measures,optimize the operation of time bank in the community,and promote the healthy and sustainable development of time bank mutual pension model in Guilin,especially in the central and western regions of China.