当人口高峰遇见消费高峰：消费格局如何演变？

Group 1: Consumption Patterns - The age structure of consumer spending in China shows an inverted U-shape, peaking at ages 30-40, followed by a decline[7] - Major consumption expenditures, such as marriage (30.2 years), housing (33.3 years), and car purchases (30.5 years), predominantly occur between ages 30-40[8] - Income peaks between ages 25-45, aligning with the highest consumption levels during the same age range[12] Group 2: Demographic Impact on Consumption - In 2022, individuals aged 20-39 accounted for 26.7% of the total population but contributed 29.1% of total consumption, making them the largest consumer group[4] - From 2010-2018, the 20-39 age group contributed 30.3% to consumption growth, but from 2018-2022, they became the main reason for a 44% decline in consumption growth[25] - The youth unemployment rate, particularly among those aged 16-24, reached 19.9% in 2022, correlating with decreased consumption among younger demographics[24] Group 3: Future Consumption Trends - The consumption peak is expected to shift rightward, with the 40-49 age group projected to increase from 13.8% to 15.9% of the population by 2030, potentially aligning with consumption peaks[58] - If the population peak and consumption peak overlap, the growth rate of total consumption from 2025-2035 may exceed that of 2020-2025[58] - The overall consumption tendency is anticipated to rise, with projections indicating an increase from 65% in 2020 to 81.6% by 2035[62]