上观智库：2025年上海银发人群消费进化洞察报告

Core Insights - The report highlights the increasing aging population in Shanghai, with 37.4% of the registered population aged 60 and above by the end of 2023, projected to reach 40% by 2030, making the silver economy a significant growth driver across various sectors including healthcare, finance, and technology [1][2][11]. Demographic Analysis - By the end of 2023, Shanghai's elderly population includes 5.68 million aged 60 and above, accounting for 37.4% of the total population, and 4.38 million aged 65 and above, representing 28.8% [11][17]. - The aging trend is expected to accelerate, with projections indicating that by 2040-2050, 44.5% of the population will be aged 60 and above, surpassing Japan's 42.7% [16]. Consumption Capacity and Willingness - 72.86% of the elderly receive pensions exceeding 5,000 yuan, with over half spending more than 55% of their income [42][44]. - 64.29% of the elderly express occasional willingness to spend, while 27.14% show strong consumption intent [48]. Consumption Preferences - The primary consumption areas for the elderly include chronic disease medication (71.43%), dining out (61.43%), and travel (55.71%) [50]. - When purchasing, elderly consumers prioritize product functionality, practicality, price, and opinions from their children [52]. Market Trends and Innovations - The silver economy is witnessing innovative practices such as senior-friendly shopping mall renovations, the introduction of exoskeleton robots, customized travel services, and community-based health services [2][9]. - Smart elderly care products are in high demand, particularly life assistance and health monitoring AI products, with most preferring prices below 5,000 yuan [61]. Policy Support - National and local policies are being implemented to support the development of the silver economy, focusing on key industry growth and nurturing business entities [2][28]. - Shanghai's government has introduced measures to accelerate the development of diverse elderly care services, smart elderly products, and financial services tailored for seniors [33][34].