"十五五"规划建议提出，推行长期护理保险（以下简称"长护险"），健全失能失智老年人照护体 系，扩大康复护理、安宁疗护服务供给。《金融时报》记者梳理发现，长护险全面推开在加快。11月14 日，海南省相关部门透露，2026年1月1日起，海南省将统一建立长护险制度。此外，包括吉林、云南、 江西等多个省份发布建立长护险制度实施方案并公开征求意见。其中，部分省份计划在2026年底前建成 制度框架并实施。 阶段目标基本实现 郑秉文表示，须从三方面着手。一是服务方式的供给结构中应以现场服务为主，现金给付为辅，防 止将长护险作为"第二养老金"一发了之；二是厘清长护险与基本医疗保险的边界，长护险的服务规范应 以基本生活照料为主，医疗护理项目为辅；三是长护险制度在向城乡居民进行拓展的进程中，相应的现 场服务项目也应能够逐渐随之"触达"和"下沉"至农村偏远山区。在总结试点城市制度运行经验基础上， 在顶层设计中强调其财务可持续性，加强其制度公平性。 张盈华从执行层面提出了具体建议。她认为，要在全国建立长护险制度，需要完善配套政策。一是 落实财政补助责任，尽快纳入居民参保扩大制度覆盖面。二是大力发展家庭病床，补齐社区和居家长期 护理服 ...

陈辉研究"老漂"一族，是以自己的妈妈为起点的。陈辉的女儿刚刚出生时，妈妈随着正在念博士的他在上海漂过一段时间。后来，陈辉获得教职、在陕西 安家落户，妈妈又漂来陕西，开始对陈辉一家进行长期照料。 陈辉算了算，妈妈成为老漂已将近十个年头，他有时会感慨妈妈的变化。妈妈刚来陕西时还未及60岁，却在操劳中日渐衰老。他甚至有种感觉，60岁时的 妈妈比如今70岁的妈妈更疲劳、更显老。妈妈离开熟悉的生活环境，努力适应老漂这一身份，不仅需要应对家务和育儿的劳累，还需要面对老漂家庭里常 见的意见分歧和代际矛盾。 （图/电影《步履不停》） 老漂是家庭的摆渡人，更是中国城市化的摆渡人——老漂用自己的辛劳支撑了家庭的发展，为子代分忧，解决育儿之困；规模性老年流动人口 支撑了城市化进程中的家庭发展，而城市化不仅仅关乎在城市稳定就业，还关乎在城市有序生活，尤其是在养育孩子方面。许多年轻人表示， 没有老漂父母的支持，家庭生活根本运转不动。 哪怕像陈辉家这样，儿女对老漂的情绪和压力有充分的体察和觉知，这种压力仍是难以避免的。陈辉形容，老漂似乎永远在家里"上班"，他们也许无法将 烦恼表达得特别具体，可在一家多口、狭小拥挤的空间里，他们会变得压抑 ...

多措并举、精准发力，不断提升老年教育供给水平 老年教育承载着老年人对美好生活的向往，也检验着一个社会文明进步的程度。我们要以习近平总书记 关于教育强国、关于老龄工作的重要论述为指引，秉持人民情怀办好新时代老年教育，丰富教育内容、 创新服务模式，不断提升老年教育供给水平。 强化顶层设计，完善普惠共享的制度保障体系。推动老年教育高质量发展，首要在于健全相关制度。在 国家教育发展战略和老龄事业发展规划中进一步突出老年教育的重要性，制定老年教育的专项法规，明 确各级政府在规划制定、资源配置、标准设立、监督评估等方面的职责。加强对老年教育工作的统筹协 调，推动建立和完善覆盖城乡、广泛参与的老年教育服务体系。例如，可借鉴部分地区的经验，将老年 大学（学校）办学网络覆盖率、老年人参与学习率等指标纳入政府民生实事考核范围，从制度层面保障 其普惠性、可及性。 动员社会力量，构建多方协同的办学格局。面对规模大、个性化的老年学习需求，要在政府主导下广泛 动员和支持高等学校、职业院校、企事业单位、社会组织等以多种形式参与老年教育。进一步落实老年 大学的实体化建设，可以在乡镇（街道）、村（社区）设立分校或教学点，将服务延伸至老年人身边 ...

·摩根士丹利：印度财政赤字目标面临严峻挑战，收支失衡加剧 ·澳洲联邦银行：澳储行或于2026年重启加息，潜在增长放缓推升通胀风险 ·澳新银行-罗伊摩根数据显示，新西兰11月下旬通胀预期升至5.4%，创2023年12月以来新高，较10月上 升0.4个百分点。过去六个月周度预期均值维持在5.0%高位，持续高企的通胀预期将显著制约新西兰联 储进一步降息的空间，加大货币政策决策难度。 ·穆迪分析指出，亚太地区GDP增速将从2025年的4.1%放缓至2026年的3.6%，2027年进一步降至3.5%。 报告指出，今年出口激增主要受美国关税上调前的抢运效应驱动，难以持续；叠加疲弱的亚太多国国内 需求，不仅削弱抵消外部冲击的能力，也加剧通缩压力，区域增长前景面临挑战。 ·AMP经济学家指出，澳大利亚住房短缺约20万至30万套，主因移民增长长期超出住房供应能力。建议 将年度净移民从当前31.6万人削减至约20万人，以重建供需平衡，缓解日益严峻的住房负担能力危机。 ·澳联邦银行经济学家指出，若澳大利亚通胀压力持续、劳动力市场趋紧，澳洲联储可能在2026年重启 加息。尽管当前概率不高，但受生产率疲软拖累，澳大利亚潜在经济增长放缓 ...

Economic Overview - Japan's economy has entered a phase of negative growth, with a reported GDP decline of 1.8% in Q3, marking a return to negative growth since Q1 2024, primarily due to a sharp contraction in external demand [1] - The contribution of external demand to Japan's economic growth in Q3 was -0.2 percentage points, exacerbated by increased tariffs on Japanese goods, particularly automobiles, which saw tariffs rise from 2.5% to 15% [1] Domestic Demand Challenges - Domestic demand remains weak, with personal consumption, which accounts for over half of Japan's economy, showing only a slight increase of 0.1% quarter-on-quarter, while residential investment fell by 9.4% [1] - High inflation and declining real wages have led to a persistent decrease in consumer spending willingness [1] Political and Economic Response - In response to the economic downturn, the government approved a stimulus package worth 21.3 trillion yen (approximately 135.4 billion USD) aimed at addressing rising prices and boosting investment in sectors like semiconductors and AI [2] - However, the stimulus plan relies heavily on fiscal expansion and monetary easing without addressing necessary structural reforms [2] Structural Issues - Japan's government debt has reached approximately 263% of GDP, limiting the effectiveness of further spending and increasing long-term interest rates, which could pressure government debt repayment and reduce investment in innovation [3] - The aging population, with 29% aged 65 and above, contributes to labor shortages and a shrinking consumer market, while the automotive industry struggles to adapt to the shift towards electric vehicles [3] Market Sentiment and Future Outlook - The recent tensions in Japan-China relations, exacerbated by controversial statements from Prime Minister Kishi, have led to a potential loss of 11.5 billion to 14 billion USD in tourism revenue, further impacting GDP growth by 0.29 to 0.36 percentage points [2] - Analysts suggest that Japan's economy may continue to oscillate around the growth line without effective reforms, and the current government strategies may only provide temporary relief without addressing deeper structural issues [4]

Group 1 - The core issue is that despite China's large population, consumer spending remains low, with retail sales growth significantly lagging behind pre-pandemic levels, only reaching 7.2% in 2023 and dropping to 4-5% in 2025 [2][4][6] - Household savings have surged, with deposits increasing by over 14 trillion in 2024, reaching 151 trillion, and an additional 12.73 trillion added in the first three quarters of 2025, while retail sales growth continues to decline [4][6] - The phenomenon of "14 billion people cannot drive consumption" has become a trending topic, highlighting the disconnect between population size and consumer spending, with urban areas experiencing high vacancy rates in retail spaces [6][8] Group 2 - Key factors contributing to low consumer spending include rapid aging of the population, with over 300 million people aged 60 and above, leading to different consumption habits focused on healthcare and savings rather than discretionary spending [8][10] - The real estate market downturn has negatively impacted wealth expectations, with many families seeing significant declines in property values, leading to reduced consumer confidence and spending [10][12] - Income growth is not keeping pace with inflation and housing costs, with nominal growth around 5% in 2025, but real disposable income growth being much lower, causing consumers to prioritize savings over spending [12][14] Group 3 - Excess capacity in various industries has led to price wars and thin profit margins, making it difficult for companies to raise wages, which in turn affects consumer spending [14][16] - A cycle of low spending has emerged, where reduced consumer expenditure leads to lower sales for businesses, stagnant wages, and further reluctance to spend, resulting in a significant portion of funds remaining in banks [16][18] - Government initiatives aimed at boosting consumption have started to show positive effects, with retail sales rebounding in mid-2025 and GDP growth stabilizing at 5.2%, indicating a potential recovery in consumer confidence [18][20]

应对人口老龄化，浙江如何书写"银发答卷"？ 中新网杭州11月20日电(张煜欢)随着人口老龄化成为中国社会发展的重要趋势，如何构建一个有温度、 有质感的老年友好型社会，成为各地面临的共同课题。截至2024年底，浙江户籍老年人口已超过1450 万，老龄化率达28.3%。面对银发浪潮挑战，肩负高质量发展建设共同富裕示范区使命的浙江如何"应 招"？ 桐庐山村老年人在山腰的食堂内享用无人机运来的餐食。肖健 摄 直面"银发潮" 构建普惠养老服务体系 "预计到2030年，我省老龄化率将达到32%，老龄化程度越来越高。"在浙江省高质量完成"十四五"规划 系列主题第七场新闻发布会上，浙江省民政厅党组书记、厅长陈斌用直观数字阐述了浙江面临的严峻老 龄化形势。 应对老龄化，基础在于夯实养老服务网络。"十四五"以来，浙江着力推动基本养老服务区域均衡与老年 福利城乡一体。针对区域发展不平衡问题，该省创新推出"海岛支老"模式，组织基础较好的5个市对口 支援15个悬水小岛养老服务；开展"山区助老"及"帮您理银发"等公益行动，弥补偏远地区服务短板。 为了让城乡老人共享发展红利，浙江还推进高龄津贴、养老服务补贴、护理补贴等标准城乡统一，并因 ...

Core Viewpoint - Huason Pharmaceutical (002907.SZ) has completed the domestic production registration of its product, Amlodipine Besylate Tablets, which includes an elderly-friendly drug instruction manual. This registration aims to enhance readability and usability, addressing the aging population trend, and is expected to improve market competitiveness and open new market opportunities, although it will not have a significant short-term impact on the company's performance [1]. Group 1 - The product Amlodipine Besylate Tablets is classified as a Category B drug under the national medical insurance system [1]. - The drug is indicated for the treatment of primary Parkinson's disease, both as a standalone treatment and as an adjunct to Levodopa [1]. - The registration includes both a simplified paper version and a complete electronic version of the drug instruction manual [1]. Group 2 - The registration is part of the company's strategy to respond to the aging population trend [1]. - The expected outcome of this registration is to enhance the product's market competitiveness [1]. - The company anticipates that this move will help in exploring new market opportunities [1].

为促进老年人社会参与，山西以新时代"三晋银龄行动"为抓手，推进老年志愿服务常态化。目前已组建 261支三晋银龄志愿服务队伍，新发展老年志愿者3604名，开展1068场志愿活动，登记注册老年志愿者 总数达44万人，鼓励老年人在"老有所为"中收获"老有所乐"。 山西破局人口老龄化：多维度发力显成效 中新网太原11月19日电 (刘小红)19日，记者从山西省"高质量完成'十四五'规划"系列主题新闻发布会上 获悉，该省已进入中度老龄化社会，且老年人口占比略高于全国平均水平。面对这一形势，山西在养老 服务、老龄工作等多方面推出一系列举措并取得成效。 近年来，山西省老年人口持续增长。截至2024年末，全省60周岁及以上常住老年人口达778.99万人，较 2020年末增加118.49万人，占总人口比例由18.92%上升至22.61%；65周岁及以上常住老年人口达到 541.84万人，较2020年末增加91.51万人，占总人口比例由12.90%提高至15.72%， 在养老服务设施建设上，山西率先出台社区居家养老的省级地方性法规，省政府连续6年将其纳入民生 实事。如今，全省养老机构增至1291家，日间照料设施达9721个，较20 ...

Core Insights - The news highlights the significant achievements of Shanxi Province in social welfare and governance during the "14th Five-Year Plan" period, focusing on basic livelihood security, aging population response, social service efficiency, and grassroots governance capabilities. Group 1: Basic Livelihood Security - The social assistance system in Shanxi has become more robust, with urban and rural minimum living standards increasing by 15.2% and 33.1% respectively compared to 2020 [2] - Basic living security standards for concentrated and socially scattered orphans rose by 40.7% and 40.5% respectively [2] - Living subsidies for disabled individuals increased by 64%, while care subsidies for severely disabled individuals surged by 118% [2] - Dynamic support for 1.064 million individuals in minimum living standards and special hardship categories, along with 11,800 orphans and children without guardians [2] - Temporary assistance was provided to 944,000 individuals, benefiting 767,100 disabled persons [2] - The scope of assistance has expanded to include low-income families and those facing rigid expenditure difficulties, transitioning from material aid to a combination of "material + service" [2] Group 2: Response to Aging Population - By the end of 2024, the elderly population (60 years and older) in Shanxi is projected to reach 22.61%, with those aged 65 and older at 15.72%, indicating a shift to a moderately aging society [3] - The supply of elderly care services has increased, with 1,291 elderly care institutions and 9,721 day care facilities established, marking increases of 29% and 22% respectively since 2020 [3] - The province has introduced the "Shanxi Province Community Home-based Elderly Care Service Regulations," a pioneering local law in the country [3] - Home modifications for elderly individuals have been completed for 69,200 households, and universal benefits for seniors aged 80 and above have been implemented [3] - The "Three Jin Silver Age Action" has facilitated regular elderly volunteer services, with 440,000 registered elderly volunteers [3] Group 3: Efficient Social Service - Marriage registration has been streamlined to a "national service," with 71,600 cross-regional registrations completed [4] - Public welfare in funeral services has been enhanced, with policies benefiting all citizens [4] - A total of 390,000 place names have been entered into the national database, and 66,000 new village names have been established to support community services [4] Group 4: Grassroots Governance - During the "14th Five-Year Plan," Shanxi Province registered 5,116 new social organizations, bringing the total to 19,600 active organizations in various sectors [5] - These organizations have contributed 3.7 billion yuan in funding and created 22,000 job opportunities, playing a crucial role in the province's transformation [5] - The total amount of charitable donations during this period exceeded 5.1 billion yuan, reflecting a strong culture of philanthropy [5]