Core Insights - The aging population in China is accelerating, leading to a diversified demand for elderly care services, with a focus on the development of inclusive and intelligent elderly finance as a key area for improving the quality of life for seniors and supporting the construction of the pension system [1][2] - The integration of artificial intelligence (AI) technology into the entire chain of elderly finance is seen as a solution to address high service thresholds, narrow coverage, and weak data support [1][2] Group 1: Demographics and Market Needs - By the end of 2024, the elderly population aged 60 and above in China is projected to reach 31.03 million, accounting for 22.0% of the total population, while those aged 65 and above will number 22.02 million, making up 15.6% [2] - The demand for specialized and precise elderly financial services is becoming increasingly urgent as the aging population grows [2] Group 2: Role of AI in Elderly Finance - AI can lower the cost and threshold of elderly financial services, allowing for a broader reach beyond traditional high-net-worth individuals and large enterprises [2][3] - AI enhances the transparency and adaptability of elderly financial products, fostering consumer trust and engagement by providing tailored financial planning based on individual risk preferences and life scenarios [3] Group 3: Challenges in AI Implementation - The application of AI in elderly finance faces several challenges, including insufficient depth of use, unclear boundaries for data privacy protection, scarcity of high-quality financial data, and inadequate computational support [4][5] - Data sharing issues exist within the financial industry, with public data often fragmented and non-public data facing circulation challenges [5] Group 4: Collaborative Efforts Required - The development of elderly finance is a long-term endeavor that requires collaboration among government, market, society, and families to leverage AI tools effectively [6][7] - There is a need for enhanced top-level design and institutional supply to promote the cross-sector development of AI-enabled elderly finance [7] Group 5: Technological Integration and Service Innovation - Companies are encouraged to build unified platforms that integrate health records, care documentation, and financial assets to provide personalized services [8] - The use of IoT, smart devices, and advanced technologies is being promoted to create digital applications that enhance the quality of life for the elderly [8]
2025服贸会｜AI激发养老金融潜能 业内共探数据安全与算力破局路
Bei Jing Shang Bao·2025-09-14 04:21