从高端保障走向普惠支撑

Core Insights - The Chinese government is 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][3][7] Group 1: Policy and Market Trends - 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 included elderly finance as one of the key areas for high-quality financial development, indicating a strong governmental focus on this sector [2] - The shift in elderly needs from basic care ("老有所养") to quality living ("老有所享") reflects a growing demand for personalized and high-quality elderly services [4][7] Group 2: Trust Services and Innovations - Trusts are increasingly being utilized by high-net-worth families for wealth management and elderly care, with examples like a family trust of 50.4 million yuan designed to ensure long-term financial security for aging family members [3][4] - The trust industry is innovating by creating integrated service models that combine insurance, trust, and elderly care services, enhancing the overall elderly care ecosystem [4] - Trusts are being positioned as a solution for both affluent and underprivileged groups, with initiatives aimed at providing customized financial products for those with special needs [5][6] Group 3: Social Responsibility and Accessibility - The trust industry is expanding its role in social responsibility by addressing the needs of vulnerable populations, including the elderly, disabled, and children in difficult circumstances [6][7] - New real estate trust services are being developed to help elderly individuals secure housing and manage their living expenses, demonstrating the industry's adaptability to meet diverse needs [6] - The goal of establishing a comprehensive elderly finance system by 2028 emphasizes the importance of innovation and collaboration within the trust sector to ensure that all elderly individuals can enjoy a secure and dignified life [7]