李成林谈金融如何服务养老设施

Core Insights - The forum highlighted the evolving needs of the elderly population in China, emphasizing four significant characteristics: increased work participation post-retirement, a greater demand for presence and recognition, a decline in family caregiving roles, and enhanced digital engagement and consumption capabilities [3][6]. Group 1: Demand Characteristics - The elderly demographic is showing a notable increase in the proportion of individuals working after retirement [3][6]. - There is a rising demand for a sense of presence and recognition among retirees [3][6]. - Family caregiving functions are weakening, indicating a shift in traditional support systems [3][6]. - Digital engagement and consumption capabilities among the elderly are on the rise, reflecting changing lifestyle patterns [3][6]. Group 2: Service Facility Levels - Three levels of elderly care service facilities were proposed: 1. "Old-age support" 2. "Old-age dependency" 3. "Learning, enjoyment, and contribution in old age" [3][6]. Group 3: Financial and Policy Insights - The long-term credit products available in China are limited, which poses challenges for the long recovery cycles typical in the elderly care industry [3][6]. - The elderly care industry has a short supply chain and lacks traditional financing scenarios, leading to a "three-year ramp-up period" for funding needs [3][6]. - The Chinese government is aware of these challenges and is actively adjusting financial policies to support elderly care facilities, including developmental financial support from the China Development Bank and recent initiatives like refinancing and guarantee loans in Jiangsu and Shanghai [3][6].