晶采观察丨2026年开年新政红利持续释放 银发经济激活消费新动能

Core Insights - The "silver economy" is emerging as a significant driver of domestic demand in China, with the population aged 60 and above expected to exceed 310 million by the end of 2024, accounting for 22% of the total population [1] - The silver economy is projected to reach a market size of 12 trillion yuan, supported by favorable policies that cater to diverse needs such as smart health care, social engagement, emotional companionship, and self-actualization [1] - The government is implementing a series of policies to enhance the silver economy, focusing on elderly care services, health consumption, and cultural entertainment as the three core drivers of silver consumption [3] Market Dynamics - Sales revenue from community, institutional, and home-based elderly care services saw year-on-year growth of 30.4%, 22.6%, and 18.0% respectively, indicating a sustained release of consumption capacity among the elderly [4] - The rise in demand for spiritual consumption is evident, with more elderly individuals willing to spend on experiences that provide emotional satisfaction and social connections, such as travel and cultural events [4] - The introduction of smart health devices, like mobility aids and emergency call systems, is becoming standard for the elderly, reflecting a shift towards health-oriented consumption [4] Policy Support - The Ministry of Civil Affairs and the Ministry of Finance have launched a subsidy program for elderly care services, providing electronic vouchers that can cover up to 800 yuan per month for various care services [7] - The policy aims to create a complete ecosystem for health consumption rather than merely providing financial support, highlighting the importance of addressing the needs of the elderly population as a response to aging demographics [7] - The 2025 government work report emphasizes the need to improve policies for the development of the elderly care industry and the silver economy, indicating a strategic focus on this sector [8]