“十五五”红利点！构建康养生态，有这些着力点

Core Viewpoint - The article emphasizes the importance of developing a high-quality elderly care system in response to population aging, highlighting the role of government and market collaboration in building a comprehensive elderly care ecosystem [2][3]. Group 1: Policy Guidance for Elderly Care Ecosystem - The current stage presents a significant opportunity in the elderly care industry, with a consensus on the need to establish a robust medical and elderly care ecosystem [3]. - The core of building an elderly care ecosystem involves integrating the elderly care industry with supply chains, services, and financial aspects to provide precise services for the elderly [3]. - Key stakeholders in the medical and elderly care sector include central enterprises, insurance companies, and small to medium enterprises, with insurance companies playing a pivotal role due to their financial strength and customer base [3][4]. Group 2: Development Strategies - The construction of a medical and elderly care ecosystem requires efforts in three areas: industrial ecosystem construction, government-enterprise ecosystem construction, and policy ecosystem construction [3][6]. - The industrial ecosystem should focus on market demand and align with government needs, with local governments playing a crucial role in providing inclusive elderly care services [3][4]. - The government can participate through state-owned assets and procurement services, emphasizing the importance of long-term care insurance and inclusive insurance [3][4]. Group 3: Role of Insurance Industry - The insurance industry is not just a payer but should act as a resource integrator, supervisor, and service provider within the elderly care ecosystem [5]. - Insurance companies can help clients plan for long-term health and elderly care expenses, leveraging their advantages in risk management and funding [5][6]. - The insurance sector's role includes promoting collaboration with medical institutions to enhance service efficiency and risk management [5]. Group 4: Policy Ecosystem Construction - The combination of financial and fiscal policies is crucial for developing the medical and elderly care ecosystem [6][7]. - Learning from the U.S. REITs model, there is potential for pension funds to invest in real estate that meets elderly care needs, contributing to stable returns [6]. - Local governments should take initiative by establishing guiding funds and collaborating with financial institutions to promote the development of the elderly care industry [7].