信托破题中国式养老：从高端保障走向普惠支撑

Core Viewpoint - The Chinese government is increasingly prioritizing the development of the elderly care industry and financial support for aging populations, with significant policy initiatives aimed at addressing the challenges of "Chinese-style elderly care" [2][6]. Group 1: Policy and Market Trends - The "14th Five-Year Plan" emphasizes the need to actively respond to population aging and improve the policy mechanisms for the coordinated development of elderly care and industry [2]. - By 2035, the population aged 60 and above in China is expected to exceed 400 million, accounting for over 30% of the total population, highlighting the urgency of addressing elderly care issues [2]. - The 2023 Central Financial Work Conference identified elderly finance as one of the key areas for high-quality financial development, indicating a strong governmental focus on this sector [2]. Group 2: Trust Services and Wealth Management - High-net-worth individuals, like Ms. Zhang, are increasingly using family trusts to address concerns about wealth distribution and ensure long-term financial security for their retirement [3]. - Ms. Zhang's trust, with an initial scale of 50.4 million yuan, is expected to generate cash flow of approximately 110 million yuan in the future, demonstrating the financial potential of structured trusts for retirement planning [3]. - Trusts are evolving from being perceived as exclusive to the wealthy to becoming accessible for ordinary individuals, thereby enhancing their social responsibility in addressing elderly care needs [5]. Group 3: Innovative Trust Products - The demand for personalized and high-quality elderly care services is rising, shifting from basic care to a focus on health management, cultural engagement, and overall life quality [4]. - Companies like Ping An Trust are innovating by creating a comprehensive elderly care service ecosystem that integrates insurance, trust, and care services [4]. - The introduction of special needs trusts aims to provide tailored financial solutions for individuals with unique requirements, ensuring dignity and security in their later years [6]. Group 4: Real Estate Trusts and Broader Impact - Real estate trusts are being utilized to secure housing and financial support for the elderly, as seen in the case of Ms. Liu, who established a real estate trust for her retirement needs [7]. - The trust industry is responding to the "Chinese-style elderly care" challenge by developing diverse financial products that cater to both high-end and inclusive markets, aligning with the goal of establishing a multi-tiered elderly finance system by 2028 [7].