新华社沈阳11月25日电 题：中国多地推进"银发族"身边的适老化改造 新华社记者洪可润、于也童 走进沈阳市铁西区启工街道重工新村社区居民周国忠的家，卧室床边安装着起身扶手，床上有着可调节椅背角度的防褥疮靠背器、防褥疮坐 垫。"这些改造没花家里一分钱。"周国忠说，今年63岁的他因意外失去了生活自理能力，通过社区免费进行了家中的适老化改造。 截至2024年底，中国60周岁及以上老年人口超3.1亿人。其中，约90%的老年人倾向于居家养老。近年来，各地不断推进各项居家适老化改造工 作。 "沈阳市老龄化程度较高，60岁以上老年人口占比已攀升至30.6%，一些'小改造'就能解决'大问题'。"沈阳市民政局副局长张葛介绍，目前全市已 完成特殊困难老年人家庭适老化改造1万余户。 除了居家适老化改造，多地还正持续加大助浴、助行、陪诊等居家养老服务力度，持续完善多层次养老服务网络。沈阳市民政局为特殊困难老年 人、80周岁以上老年人等购买居家养老服务，截至目前，沈阳全市累计提供服务突破190万人次、服务时长280万小时。 在沈阳市浑南区彩霞社区的低保户王斌家中，助老员刘丽静正在打扫卫生。刘丽静每周都会到常年卧床的王斌家中服务三到四次 ...

以下文章来源于新周刊 ，作者钱雨朦 新周刊 . 中国最新锐的生活方式周刊。 养老社区也好，抱团养老也罢，丁克养老的各类解决办法背后，也潜藏着这群人对以下命题的探索：在不被传统家庭定义、物质资源也足够的情况下，我们该如何体 面地老去？ 文 ｜ 钱雨朦 编辑 ｜ L 来源｜ 新周刊（ID：new-weekly） 封面来源 ｜ unsplash 提起"丁克"，你一定不陌生。它从英文"DINK"（Double Income,No Kids）音译而来，指伴侣双方都有收入且无子女，是一个缩略语。 1987年，美国媒体的一篇报道里提到，"丁克"由广告界率先提出，被用来简略描述出生于二战后的"婴儿潮"、有工资收入但没有孩子的夫妻。1998年，《今 日中国》报道，"丁克家庭"也在20世纪80年代之后于中国大城市逐渐增多，这一群体的社会经济地位、受教育程度等都比较高。 三四十年后的今天，中国的第一批丁克夫妻已经步入老年阶段。社交媒体上，围绕其养老生活、遗产分割等话题的讨论非常火热。 （图/微博截图） 放眼当下，"养儿防老""不孝有三，无后为大"的传统观念持续受到挑战，年轻一代对婚育采取越来越谨慎的态度，对养老生活的畅想也在发生变 ...

Core Insights - China Ping An reported a significant increase in operational profit and net profit for the first three quarters of 2025, with operational profit reaching 116.264 billion yuan, a year-on-year growth of 7.2%, and net profit at 132.856 billion yuan, up 11.5% [1] Financial Performance - The operational profit for Q3 alone grew by 15.2%, while the net profit for the same quarter saw a substantial increase of 45.4% year-on-year [1] - As of September 30, the group's net assets attributable to shareholders reached 986.406 billion yuan, reflecting a 6.2% growth after dividends [1] Business Segments - The life and health insurance sectors showed strong performance, with new business value reaching 35.724 billion yuan, marking a 46.2% increase year-on-year [1] - The agent channel's new business value grew by 23.3%, while the per capita new business value increased by 29.9% [1] - The bancassurance channel experienced a remarkable growth of 170.9%, contributing 35.1% to the new business value of Ping An's life insurance [1] Product and Service Development - Ping An launched several upgraded wealth and pension products, including the "An Yi Zun Xiang" dividend annuity product and the new "e Sheng Bao" series of medical insurance products catering to various customer segments [2] - The company focused on enhancing capabilities in medical health, home care, and high-quality elderly care services, serving over 16 million customers in health management by the end of Q3 2025 [2] - Home care services have expanded to cover 85 cities nationwide, with nearly 240,000 customers qualifying for home care services [2] - The high-quality elderly care community projects have been established in five cities, with the Shanghai project "Jing'an 8" now operational and the Shenzhen project expected to begin trial operations by the end of the year [2]

Core Insights - Home-based elderly care remains the mainstream choice for seniors, and optimizing this service is crucial for public welfare [1][2] - The elderly population aged 60 and above in China has exceeded 310 million, projected to surpass 400 million by around 2035, indicating a growing demand for home-based care services [1] - The current elderly care service system is steadily advancing, with a focus on enhancing home and community-based services supported by institutional care and medical integration [1] Group 1: Current State of Home-based Elderly Care - Home-based elderly care services primarily focus on daily living assistance, with insufficient integration of medical care, despite a significant portion of seniors suffering from chronic diseases [2] - There are challenges in collaboration among medical, community, and elderly care institutions, leading to a lack of synergy in service delivery [2] - Issues such as an unbalanced talent structure, inadequate user payment capacity, and an imperfect evaluation system hinder the development of home-based elderly care services [2] Group 2: Policy and Infrastructure Support - High-quality development of home-based elderly care services requires supportive policies, including the use of local government bonds for infrastructure development and tax incentives for care institutions [2] - The establishment of a robust professional nursing workforce is essential, necessitating improvements in salary, career pathways, and a systematic skills certification framework to attract talent to the elderly care sector [2] Group 3: Innovative Service Models - Encouraging social participation in home-based elderly care through diverse service models, such as "community + property + elderly care" and "elderly dining services," is vital to meet the varied needs of seniors [3] - Leveraging technology to create community-based elderly care information platforms and developing "smart" elderly care scenarios can enhance service efficiency and quality [3] - Long-term care insurance, initiated in 2016, has benefited over 2.25 million disabled individuals, reducing their financial burden and improving their quality of life, highlighting the importance of sustainable funding and fairness in the system [3]

Core Insights - The article explores the realities of aging in America, focusing on the challenges faced by the elderly population, particularly in terms of financial stability and care options [4][5]. Group 1: Demographics and Wealth Distribution - By 2025, the elderly population over 60 will primarily consist of the Baby Boomer generation, which holds 50% of the wealth in the U.S. [7][17]. - The average 401(k) balance for those over 60 is approximately $250,000, equivalent to about 1.7 million RMB, which is significantly higher than the average pension accounts in the UK [17][18]. Group 2: Cost of Elder Care - The costs of elder care facilities in the U.S. are exorbitant, with independent living communities costing around $30,000 to $40,000 per year, assisted living facilities around $70,000, and nursing homes approximately $100,000 annually [22][27]. - A typical $250,000 pension may only last five to six years in a standard retirement community, and even less if chronic health issues arise [29][30]. Group 3: Caregiver Shortages and Challenges - There is a significant shortage of caregivers in the U.S., leading to a high caregiver-to-resident ratio, often as poor as 1:10, which affects the quality of care [30][33]. - The concept of "Aging in Place" emphasizes the ability to live independently at home, but many elderly individuals face challenges in affording necessary care services [43][50]. Group 4: Social Isolation and Community Engagement - Approximately one-third of Americans aged 65 and older live alone, contributing to feelings of loneliness and social isolation [52]. - Community programs and activities are essential for combating loneliness, with many elderly individuals participating in volunteer work and local clubs [54]. Group 5: Financial Assistance and Economic Challenges - Many elderly individuals face financial crises, with 20% of those over 60 having no assets and a median income of $18,000, which is below the Elder Index standard [61]. - Supplemental Security Income (SSI) is a common form of assistance for low-income seniors, with average monthly payments around $593.96 [62].

Core Insights - The meeting highlighted the development of the "5210N" industrial cluster in Binzhou, focusing on high-quality growth and the promotion of quality brands in Shandong [3] Group 1: Company Overview - Yuyue Group, represented by Liu Lianfei, is a comprehensive enterprise group driven by "home textiles" and "healthcare," with an asset scale of 16.5 billion [3] - Since its strategic transformation to the healthcare industry in 2017, Yuyue Group has built an integrated ecosystem focusing on home-based elderly care, recognized as a national model for smart health and elderly care [3] Group 2: Challenges in Home-Based Elderly Care - Liu Lianfei identified ten major challenges in home-based elderly care, including unsuitable housing for the elderly, difficulties in home care, and inadequate medical support [3] - Specific issues include the difficulty of accessing medical care, lack of appropriate elderly products, and challenges in maintaining nutrition and sleep for the elderly [3] Group 3: Solutions Offered by Yuyue Group - Yuyue Group has developed a comprehensive solution termed the "Home-Based Elderly Care Four-Piece Set," which includes: 1. **Elderly-Friendly Environment Renovation**: Free safety assessments and targeted modifications to homes to eliminate safety hazards [4] 2. **Home Delivery of Aids**: A platform for matching and renting medical aids like beds and wheelchairs to address issues of availability and waste [4] 3. **In-Home Medical Services**: A health management ecosystem that utilizes wearable devices for continuous monitoring of elderly patients, enabling proactive medical interventions [4] 4. **Home Care Training**: Professional caregivers provide services at home while also training family members and caregivers to enhance long-term care capabilities [4]

Core Insights - By the end of 2024, Beijing's elderly population is projected to exceed 5 million, reaching 5.14 million, which constitutes 23.5% of the resident population [1] - The elderly population in Beijing has shown a stable growth trend, increasing by 192,000 from 2023, with an average annual growth rate of 1% over the past five years [3] - The increasing elderly population is leading to diverse and complex care needs, necessitating a comprehensive response from government, society, and families [3] Population Characteristics - The elderly population in Beijing is characterized by a large absolute number, with 5.14 million elderly individuals [5] - A high proportion of elderly individuals reside in urban areas, indicating a concentration of elderly care needs in these regions [5] - There is a continuous increase in the number of elderly individuals with disabilities or cognitive impairments, posing significant challenges for the elderly care service system [5] Home Care Services - 99% of elderly individuals in Beijing prefer home care, highlighting the need for innovative community-based care models [7] - A three-tiered service system has been established to enhance home and community care services, including district-level guidance centers, multifunctional service complexes at the street level, and community service stations [7] - As of now, 105 district-level elderly service centers and over 1,500 community service stations have been established to meet the needs of elderly individuals [7] Services for the "Old Old" Population - The "Old Old" population, defined as those aged 80 and above, is a key demographic for elderly care services, with nearly 690,000 individuals in this category [9] - Three primary needs have been identified for this group: 1. Bedside care, with 33,000 home care beds established to provide professional services at home [9] 2. Meal assistance, with 2,666 meal service points set up to cover nearly 90% of urban and rural communities [9] 3. Medical care, with community health centers signing family doctor agreements to provide tailored services, including home visits for health assessments and guidance [9]

Core Viewpoint - Suzhou Kangyang Group is pioneering home-based elderly care services in Suzhou, providing personalized and professional support to over 11,000 elderly residents through a network of service points and trained caregivers [1][2][3]. Group 1: Service Expansion and Coverage - The home-based elderly care service began with a pilot project in July 2024, focusing on high-risk elderly individuals in the Liushan Street area [2]. - By March 2025, the service expanded to cover four towns in the Wuzhong District, reaching nearly 8,000 elderly individuals [2]. - As of mid-2025, the service has achieved a coverage rate of 96% in Wuzhong District, with over 11.8 million hours of service provided [3]. Group 2: Training and Service Quality - The company emphasizes a comprehensive training program for caregivers, focusing on professional skills, service awareness, and communication techniques [5]. - A standardized service process is being developed to ensure high-quality care, with a commitment to making elderly individuals feel at home [5][6]. - The company has implemented a "one area, one policy" approach to tailor services based on local elderly needs, enhancing the quality and warmth of care [3][6]. Group 3: Community Engagement and Social Responsibility - The company actively engages in community welfare by providing non-profit services, such as delivering care packages to impoverished elderly individuals [6]. - Initiatives like the "Love Brain Action" aim to raise awareness about cognitive health among the elderly [6]. - The company plans to expand its services to include social activities and innovative solutions like "accompanying medical visits" to address the daily challenges faced by the elderly [8]. Group 4: Future Plans - By the end of 2025, the company aims to expand its services to additional districts, increasing the number of elderly individuals served to 20,000 [8]. - Future services will include community engagement activities and innovative care solutions to enhance the quality of life for elderly residents [8].

Financial Performance - In the first half of 2025, the company achieved an operating profit of 77.732 billion RMB, a year-on-year increase of 3.7% [1] - The net profit attributable to shareholders reached 68.047 billion RMB [1] - The company announced an interim dividend of 0.95 RMB per share, reflecting a 2.2% year-on-year growth [1] Business Highlights - The new business value of life and health insurance reached 22.335 billion RMB, a significant increase of 39.8% year-on-year [1] - The new business value from the agency channel grew by 17.0%, with per capita new business value increasing by 21.6% [1] - The bancassurance channel focused on value growth, achieving a new business value of 5.972 billion RMB, up 168.6% year-on-year [1] Customer Engagement and Services - The company served over 13 million customers in health management during the first half of 2025 [2] - Home-based elderly care services covered 85 cities, with nearly 210,000 customers qualifying for such services [2] - The company added 15.71 million new customers, marking a 12.9% year-on-year increase, with a customer retention rate of 94.6% [2] Investment Portfolio - As of June 30, 2025, the company's insurance fund investment portfolio exceeded 6.20 trillion RMB, reflecting an 8.2% growth since the beginning of the year [3]

Core Insights - China Ping An reported a net profit attributable to shareholders of 68.047 billion yuan, a year-on-year decline of 8.8% [1] - The company achieved an operating profit of 77.732 billion yuan, representing a year-on-year growth of 3.7% [1] - A mid-term dividend of 0.95 yuan per share was declared, marking a 2.2% increase from the previous year [1] Customer Data - In the first half of 2025, Ping An added 15.71 million new customers, a year-on-year increase of 12.9% [1] - The retention rate for customers with a tenure of 5 years or more reached 73.8%, up by 1.6 percentage points from the beginning of the year [1] - The retention rate for customers holding four or more contracts within the group was 97.8%, with a 1.0 percentage point increase [1] Business Segments - In the life and health insurance sector, new business value reached 22.335 billion yuan, a significant increase of 39.8% year-on-year [1] - The 13-month policy continuation rate was 96.9%, up by 0.3 percentage points, while the 25-month continuation rate was 95.0%, up by 4.1 percentage points [1] Multi-Channel Development - The agent channel's new business value grew by 17.0%, with per capita new business value increasing by 21.6% [2] - The bancassurance channel focused on value growth, achieving a new business value of 5.972 billion yuan, a remarkable increase of 168.6% [2] - Community financial services saw a 0.4 percentage point improvement in the continuation rate of fully paid customers [2] Product Focus - Ping An's products are primarily centered on retirement savings, wealth management, and insurance protection [2] - The company has served over 13 million customers in health management as of the first half of 2025 [2] - Home care services have been extended to 85 cities, with nearly 210,000 customers qualifying for such services [2] Property Insurance - In the property insurance sector, Ping An achieved a premium income of 171.857 billion yuan, reflecting a year-on-year growth of 7.1% [2] - Insurance service income reached 165.661 billion yuan, up by 2.3% year-on-year, with an overall combined cost ratio of 95.2%, improving by 2.6 percentage points [2] Asset Management - The asset management business showed strong performance, with an operating profit of 2.723 billion yuan, a year-on-year increase of 110.1% [3] - As of June 30, 2025, the insurance fund investment portfolio exceeded 6.20 trillion yuan, growing by 8.2% since the beginning of the year [3] - The portfolio achieved a non-annualized comprehensive investment return rate of 3.1%, up by 0.3 percentage points year-on-year [3]