Recently, China’s Industrial Bank (CIB) provided a project loan exceeding RMB 50 million to a senior care service company in Nanchong to support the urban-rural elderly care integration and upgrade project in Jialing District, Nanchong. This transaction marks the nation’s first loan linked to elderly care bed occupancy rate, which plays a positive role in improving the operational efficiency of senior care service institutions and promoting regional aging economy development.
Bed occupancy rate is a key metric for evaluating the comprehensive service quality of senior care institutions. The loan features a dynamic adjustment mechanism centered on the “interest rate-bed occupancy rate” linkage. When the bed occupancy rate meets certain benchmarks, the loan interest rate will be appropriately reduced, effectively incentivizing senior care service providers to enhance operational standards and service quality while supporting the rapid development of regional centralized elderly care services.
In recent years, CIB has actively acted upon the CPC Central Committee’s important directives on addressing population aging and developing elderly care finance, delivering solid results in this financial sector. The bank has consistently fulfilled its social responsibility in serving the aging economy by conducting specialized research on elderly care industry finance, building a “financing + intellectual support” service system, increasing financial supply, and proactively establishing a “finance+” elderly care service model through collaborations with institutions in elderly care, healthcare, nursing, and rehabilitation.