一 | 从“人情债”到“明白账”再到“放心帮”每日商报讯 “互助员上门服务万一出了意外怎么办？”“低偿收费后，责任如何界定？”昨天，西湖区文新街道与中国人民财产保险股份有限公司杭州市西湖支公司正式签署“邻里互助”综合保险合作协议，困扰辖区邻里互助员和社区许久的“心头病”有了制度性“良方”。 DETROIT -- Detroit's three automakers have laid off roughly 4,800 workers at factories that are not among the plants that have been hit by the United Auto Workers strikes, which have lasted for nearly four weeks.The companies say the strikes have nevertheless forced them to impose those layoffs. They note that the job cuts have occurred mainly at factories that make parts for assembly plants that were closed by strikes. In one case, layoffs have been imposed at a factory that uses supplies from a parts factory on strike.The UAW rejects that argument. It contends that the layoffs are unjustified and were imposed as part of the companies' pressure campaign to persuade UAW members to accept less favorable terms in negotiations with automakers. The factories that have been affected by layoffs are in six states: Michigan, Ohio, Illinois, Kansas, Indiana and New York. Sam Fiorani, an analyst with AutoForecast Solutions, a consulting firm, said he thinks the layoffs reflect a simple reality: The automakers are losing money because of the strikes. By slowing or idling factories that are running below their capacities because of strike-related parts shortages, Fiorani said, the companies can mitigate further losses.“It doesn’t make sense to keep running at 30% or 40% of capacity when it normally runs at 100%,” he said. “We’re not looking at huge numbers of workers relative to the ones actually being struck. But there is fallout.”In a statement, Bryce Currie, vice president of Americas manufacturing at Ford, said: “While we are doing what we can to avoid layoffs, we have no choice but to reduce production of parts that would be destined for a plant that is on strike."UAW President Shawn Fain countered in a statement that the automakers were using layoffs to pressure the union into settling the strike. With billions in profits, Fain argued, the companies don’t have to lay off a single employee.The UAW began striking against General Motors, Ford and Stellantis on Sept. 15, with one assembly plant from each company. The next week, the union expanded the strike to 38 GM and Stellantis parts warehouses. Assembly plants from Ford and GM were added the week after that. All told, about 25,000 workers have walked off their jobs at the three automakers. Striking workers are receiving $500 a week from the union’s strike pay fund. By contrast, anyone who is laid off would qualify for state unemployment aid, which, depending on a variety of circumstances, could be less or more than $500 a week. “Their plan won’t work,” Fain said. “The UAW will make sure any worker laid off in the Big Three’s latest attack will not go without an income.”GM said it has laid off 2,330 workers, including 1,600 at a temporarily closed assembly plant in Kansas City, Kansas, that makes the Chevrolet Malibu sedan and Cadillac XT4 small SUV. The plant uses metal parts produced at the GM plant in Wentzville, Missouri, which is on strike. Other GM facilities that have been affected by layoffs are in Lockport, New York; Toledo, Ohio; Marion, Indiana; Parma, Ohio; and Lansing, Michigan.Ford said it has laid off 1,865 workers. They include 600 auto-body and parts-stamping employees in Wayne, Michigan, who are not on strike but who have been affected by a nearby assembly plant that has been struck. Other Ford locations with layoffs include Chicago; Sterling Heights and Livonia, Michigan; and Cleveland and Lima, Ohio. Stellantis said late Monday that it had laid off about 640 workers, including 520 at an engine factory complex in Trenton, Michigan, that supplies a Jeep plant in Toledo, Ohio, that is on strike. Other locations with layoffs include a metal casting plant in Kokomo, Indiana, and a machining factory in Toledo. Fiorani said that if the strike widens, more workers will likely be laid off at non-striking plants. Once metal stamping factories that supply multiple assembly plants have produced enough parts for non-striking facilities, the companies would likely shut them down.“Once you've filled up the stocks for the other plants you supply," he said, “you have to lay off the workers and wait out the strike.”Separate companies that manufacture parts for the automakers are likely to have laid off workers but might not report them publicly, said Patrick Anderson, CEO of the Anderson Economic Group in Lansing, Michigan. A survey of parts supply companies by a trade association called MEMA Original Equipment Suppliers found that 30% of members have laid off workers and that more than 60% expect to start layoffs in mid-October.Fiorani said that while larger parts suppliers can likely withstand the strike, smaller companies that make parts for the bigger companies might not have enough cash or the ability to borrow to outlast the job actions. Some, he said, may have a couple dozen workers “and don't have billions in value to use as collateral in loans,” he said. Thus far, the union has decided to target a small number of plants from each company rather than have all 146,000 UAW members at the automakers go on strike at the same time.Last week, the union reported progress in the talks and decided not to add any more plants. This came after GM agreed to bring joint-venture electric vehicle battery factories into the national master contract, almost assuring that the plants will be unionized.Battery plants are a major point of contention in the negotiations. The UAW wants those plants to be unionized to assure jobs and top wages for workers who will be displaced by the industry's ongoing transition to electric vehicles.。今年5月，文新街道先行探索“低偿邻里互助”养老模式，在德加社区尝试“物业牵头、双轨定价”做法，送餐5元一次、洗衣晾晒10元一次……明码标价的互助模式在15个社区迅速推广开来。
二 | 目前，全街道已挖掘邻里互助员320名，累计完成互助服务近千次，惠及老年群众三千余人。但随着服务的深入，新的堵点开始显现。由于缺少明确的保险保障和法律权责划分，部分热心居民怕“好心办坏事”而不敢积极参与，社区在推动服务时也有所顾虑，成为制约模式复制推广的隐性瓶颈。对此，文新街道明确“居民自发自治、街道统筹托底”的核心原则，将“安全”作为破局的首道关口。
三 | 此次签约落地的专属保险方案，正是“托底”的关键一环。据悉，文新街道专门划拨民生专项资金，为全街道在册的互助服务人员及重点老年服务对象统一投保。该定制化保险覆盖了人身意外伤害、财产损毁、第三方责任等邻里互助场景中的高频风险。“有了这份保险，我们上门服务心里踏实多了。
四 | ”德加社区互助员裴浙江在签约现场感慨道，“以前总担心万一出了事扯不清责任，现在既有保险兜底，又有公约免责，我们敢放开手脚去帮老邻居了。”值得一提的是，此次签约不仅仅是购买一份保险产品，更是政企协同赋能基层治理的一次深度探索。
五 | 根据共建计划，中国人保财险西湖支公司的专业力量将纳入社区助老服务梯队，配合街道完善重点老年人信息档案，同时，为文新社区开通绿色通道，提供上门协赔、快速理赔等一站式服务，打通助老服务的“最后一公里”。除了保险保障，双方还将推进服务阵地共建，依托社区居家养老服务中心，常态化开展反诈宣传、金融安全科普、长护险及“西湖益联保”等普惠保险的咨询办理。
六 | “低偿互助不是政府大包大揽，而是搭建一个让邻里善意可持续运转的平台。
七 | ”文新街道相关负责人表示，街道将继续扮演好“统筹者、孵化者、赋能者”的角色，织密邻里互助网络，让熟人社会的温情在现代社区持续生长。
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