各地政府应结合当地实际情况,因地制宜建立养老机构,避免造成养老设施资源的闲置浪费,倡导以医养老等多种可行的运作模式。老龄化背景下,养老服务业作为一种社会热门的“朝阳”产业,其投资存在一定的盲目超前现象。养老服务机构的融资需求与其投资主体的性质密切相关,总体来看,民营性质的养老机构融资需求相对旺盛,贷款只能通过间接渠道获得;而政府投资型的养老机构缺乏有效融资需求。 All local governments should, in light of local conditions, set up pension institutions according to local conditions so as to avoid idle waste of resources for pension facilities and advocate various viable modes of operation such as medical care and old-age care. In the context of aging, the pension service industry as a kind of social hot “Chaoyang ” industry, its investment there is a certain blind lead. The financing needs of pension service institutions are closely related to the nature of their investors. Generally speaking, private-owned pension institutions have relatively strong financing needs. Loans can only be obtained through indirect channels. However, government-invested pension institutions lack effective financing needs.