安永：跨境养老正在成为新趋势，粤港澳三地共建跨境养老保障体系

Core Viewpoint - The report by Ernst & Young highlights the emerging trend of cross-border elderly care in the Greater Bay Area, emphasizing the collaboration among Guangdong, Hong Kong, and Macau to establish an interconnected elderly care ecosystem [1] Group 1: Demographic Trends and Challenges - The aging population in the Greater Bay Area is becoming a focal point for policymakers, with projections indicating a continued rise in the number of long-term care recipients over the next 15 years, particularly in Hong Kong, which may have one of the highest aging populations globally by 2050 [1] - The demand for healthcare and elderly services is expected to increase due to the growing pressure on medical care and elderly care services [1][2] Group 2: Cross-Border Cooperation - Since the release of the "Outline Development Plan for the Guangdong-Hong Kong-Macao Greater Bay Area" in 2019, tangible progress has been made in building a cross-border elderly care system, particularly in healthcare integration and elderly care [1] - The "Guangdong Residential Care Service Program" allows eligible Hong Kong seniors to receive subsidized accommodation, care services, and basic medical expenses in mainland elderly care institutions, with the number of participating institutions increasing to 15 across six cities in the Greater Bay Area [2] Group 3: Resource Complementarity - There is a resource complementarity between mainland China and Hong Kong/Macau in elderly services, where Hong Kong offers advanced medical resources and high-quality elderly care, while mainland China provides ample space and lower labor costs but lacks high-end medical resources [2] Group 4: Recommendations for Improvement - The report suggests that the governments of Guangdong, Hong Kong, and Macau should enhance policy coordination to build a cross-border elderly care security system, promoting mutual recognition of pensions and medical insurance [3] - In the financial sector, it recommends providing financial support for cross-border elderly care through tax incentives for pension financial products and encouraging financial institutions to develop suitable products [3]