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周岭:大力发展养老金融是应对长寿时代经济风险的战略制高点
Zhong Guo Xin Wen Wang·2025-08-15 15:48

Core Insights - The aging population in China is a fundamental national condition that will persist for a long time, necessitating the development of pension finance as a strategic response to economic risks associated with longevity [1][2] - By the end of the "14th Five-Year Plan" period, the population aged 60 and above in China is expected to exceed 300 million, accounting for over 20% of the total population, entering a phase of moderate aging [1] - By around 2035, the elderly population is projected to surpass 400 million, making up over 30% of the total population, indicating a shift to severe aging [1] Industry Development - The economic risks posed by an aging population include increased financial pressure from pensions and healthcare due to longer life expectancy, as well as health risks such as the rise of chronic diseases and disabilities among the elderly [1] - Developing a robust pension finance system is crucial for addressing the economic security challenges arising from increased longevity [1] - Establishing a specialized elderly care service system that integrates resources to meet the healthcare and retirement needs of the elderly is essential for mitigating health risks associated with aging [1] Key Components of Elderly Care System - The deep application of smart health management through IoT and big data to create health monitoring platforms for the elderly, enabling real-time tracking of chronic disease indicators and daily conditions, and utilizing AI for risk alerts [2] - Innovative integration of elderly care services by building a network based on home care and community support, including day care and rehabilitation services provided by community care centers [2] - The fusion of medical and elderly care services by promoting collaboration between elderly care institutions and medical facilities, ensuring seamless transitions between healthcare and elderly care [2] - Development of a systematic training framework for caregivers to enhance their skills in elderly care and disability support, while also expanding the talent pool by recruiting retired healthcare professionals [2]