2025年上海银发人群消费进化洞察报告-上观智库

Core Insights - The report from the Shanghai Academy of Social Sciences highlights that the aging population in Shanghai is significant, with 5.68 million residents aged 60 and above, accounting for 37.4% of the total population. The silver economy is evolving from basic support to quality consumption, becoming a new engine for economic growth [1][14][19]. Aging Population Overview - Shanghai's aging population is characterized by a large scale and high degree of aging, with projections indicating that by 2030, the aging rate will reach 40% [1][18]. - As of the end of 2023, the number of elderly individuals receiving urban employee basic pensions is 4.67 million, representing 82.3% of the elderly population, with an average monthly pension of 5,470 yuan [19][20]. Consumption Capacity and Willingness - A significant portion of the elderly population, 72.86%, has a pension exceeding 5,000 yuan, with over half of their monthly expenditures exceeding 55% of their income [1][48]. - The main consumption categories include chronic disease medication (71.43%), dining out (61.43%), and travel (55.71%), with product functionality, practicality, and price being key decision factors [1][52]. Consumption Preferences and Trends - 64.29% of the elderly express some willingness to spend, with 27.14% showing strong willingness. Online consumption accounts for 38.57% of their spending [1][48]. - The report indicates a growing interest in quality consumption and experiential spending among the elderly, with 92% having travel experiences in the past year [1][62]. Industry Development and Challenges - The report identifies significant innovations in consumption scenarios, such as the transformation of shopping malls to cater to the elderly and the introduction of smart elderly care devices [2][11]. - Challenges include long approval cycles for smart elderly care devices, low utilization rates, and a mismatch between supply and demand in elderly care services [2][11]. Policy Guidance and Recommendations - The report suggests four key development recommendations: designing a layered product system to meet diverse needs, leveraging technology for smart elderly care, activating market demand through fiscal subsidies, and enhancing consumer protection in elderly financial products [2][11]. - The silver economy is expected to evolve towards precision, intelligence, and quality, unlocking greater consumption potential [2][11].