AI加速赋能“智慧养老” 银发经济有望成为拉动内需新引擎

Group 1 - The aging population in China is rapidly increasing, with the number of individuals aged 80 and above rising from 11.99 million in 2000 to 35.8 million in 2020, a nearly twofold increase, and is projected to reach 82.56 million by 2035 [1] - The "digital and intelligent elderly care" approach is being proposed as a solution to the challenges posed by an aging society, emphasizing the need for a digital transformation in social security [2][3] - The silver economy is identified as a significant market opportunity, with the population aged 60 and above expected to reach 310 million by the end of 2024, accounting for 22% of the total population, and the silver economy scale surpassing 7 trillion yuan, representing about 6% of GDP [4][5] Group 2 - The current pension finance system in China faces three major bottlenecks: significant regional and urban-rural disparities in basic pension benefits, insufficient coverage of enterprise annuities, and a complex third pillar of products with low participation [2] - Recommendations include leveraging financial technology to reconstruct the elderly care ecosystem, utilizing AI and big data for dynamic demand analysis and personalized asset allocation, and establishing a service platform that combines algorithmic suggestions with human oversight [2] - The need for a sustainable "Chinese-style" long-term care system is highlighted, with ongoing pilot programs for long-term care insurance facing challenges such as low coordination levels and inadequate coverage for rural areas and dementia patients [6][7]