银发经济崛起！健康/事业/财富/消费四大主线，解锁老龄化新机遇

Group 1: Governance Framework for China's Silver Economy - The aging process in China is accelerating, with the population aged 65 and above reaching 14.2% in 2021, entering a deep aging phase, and expected to transition to a super-aged society around 2030 [9][10] - BCG has developed a governance framework for China's silver economy, focusing on "family and country resonance, mutual benefits, and multi-party governance" with the goal of "healthy aging for the elderly and shared happiness for all" [9][10] - The governance framework emphasizes four main lines: health, career, wealth, and consumption, aiming to transform challenges into opportunities for the elderly population [9][10] Group 2: Governance Objectives - The governance objectives for China's silver economy must align with national strategies, respond to the realities of the country, and meet the expectations of the people, ultimately achieving the goals of healthy aging and shared prosperity [29][30] - The governance system should integrate strategic height, national conditions, and the depth of people's livelihoods to effectively address the challenges posed by an aging population [29][30] Group 3: Key Focus Areas for Governance - Health: Transitioning from "poverty due to illness" to "enjoying health," focusing on building a comprehensive health service system and enhancing anti-aging technology research and application [51][52] - Career: Encouraging the reactivation of elderly labor force participation and providing diverse career paths to prevent "silent retirement" [51][52] - Wealth: Establishing a robust pension insurance system and optimizing financial services for the elderly to shift from "aging without wealth" to "wealthy aging" [51][52] - Consumption: Activating the consumption potential of the elderly and promoting high-quality development of the silver economy to overcome "consumption dilemmas" [51][52] Group 4: Multi-Party Governance Structure - The governance structure involves multiple stakeholders: the government for top-level design and institutional guarantees, enterprises as market innovators, communities for grassroots services, families for emotional support, and individuals as self-managers of health [9][10][11] - This collaborative governance model aims to create a vibrant silver economy by integrating resources and responsibilities across different sectors [9][10][11]