银发经济系列（三）：日本镜鉴：深度老龄化社会的产业发展经验

Core Viewpoints - The report highlights Japan's experience in developing a silver economy to address the challenges of a deeply aging society, offering valuable insights for China, which faces a similar demographic trend [1][9] - Japan's long-term care insurance system and its "home-institution-community" integrated elderly care model have matured, providing financial support and fostering the growth of related industries such as elderly care services, products, and home modifications [1][9][14] - The report emphasizes the importance of learning from Japan's experience in building a diversified long-term care insurance system, matching personalized services, and improving the variety and differentiation of elderly products [2][9] Background Overview - Japan's aging population has been a long-standing issue, with the proportion of people aged 65 and above reaching 30% by 2022, making it a super-aged society [10] - To address the challenges of an aging society, Japan has implemented policies such as the long-term care insurance system, tax incentives for businesses, and employment support for the elderly [11][12][13] Financial Support - Japan's long-term care insurance system, established in 2000, provides financial support for elderly care services, covering 90% of the costs for eligible services, products, and home modifications [14][15][16] - The system is funded through a combination of taxes and insurance premiums, with the government covering 50% and individuals responsible for the remaining 50% [22][23] Elderly Care Services - Japan has developed a "home-institution-community" integrated elderly care model, with long-term care insurance covering 90% of the costs, significantly reducing the financial burden on the elderly [1][14][28] - Home-based care services are the most popular, with elderly individuals only needing to pay 10% of the total care costs, approximately 890 RMB per month [29][30] - Institutional care is divided into public and private facilities, with costs ranging from 4,942 RMB to 19,547 RMB per month, depending on the type of institution [29][35] - Community-based care, primarily through the CCRC model, involves selling property rights for profit, with monthly costs ranging from 10,000 to 27,000 RMB, mostly exceeding insurance coverage limits [29][38][39] Elderly Products and Home Modifications - Japan's long-term care insurance covers the rental or purchase of elderly care products and home modifications, with a maximum reimbursement of 90% of the total cost, up to 200,000 yen [2] - The market for adult incontinence products is well-developed, with a wide variety of products available to meet different needs [2] - Smart technology is integrated into health monitoring and safety devices, providing real-time care services for chronic disease management and home-based elderly care [2] Experience and Lessons for China - China can learn from Japan's experience by establishing a comprehensive long-term care insurance system, expanding the scope of insured benefits, and matching diversified services to meet personalized needs [2][9] - The report suggests that China should improve the variety and differentiation of elderly products and address the funding challenges of home modifications by designing a long-term care insurance system similar to Japan's [2][9]