2024年，中国出生人口迎来关键转折,连续7年下滑后首次企稳，达到954万人。母婴消费市场持续扩容，从2018年的3万亿元飙升至2024年的超7.6万亿元， 预计2027年将逼近9万亿元。在生育新政密集落地与Z世代成为育儿主力的双重驱动下，中国生育生态正经历全方位重构。 国家统计局数据显示，中国出生人口在2016至2017年短暂高峰后连续7年下滑，2023年降至902万人的低点。2024年实现小幅回升至954万人。 2025年起，全国范围内对3周岁以下婴幼儿发放每年3600元的国家基础育儿补贴，发放至年满3周岁，且免征个人所得税。个税专项附加扣除标准同步上 调，3岁以下婴幼儿照护、子女教育专项附加扣除均从每月 1000 元提高至2000元，赡养老人专项附加扣除从每月2000元提高到3000元，直接减轻家庭多重 负担。 在医疗服务方面，国家医保局将 "分娩镇痛""导乐分娩""亲情陪产" 等项目单独立项，整合为30项产科类医疗服务价格项目，适配生育观念转变带来的多 元化需求。生育保险覆盖范围扩大，灵活就业人员、农民工等群体逐步纳入保障体系。 调研数据显示，25至34岁是备孕、怀孕及育儿的核心人群，占比超六成。其中 ...

Core Viewpoint - Several banks, including Industrial and Commercial Bank of China, Bank of China, and China Everbright Bank, are actively implementing the national policy on childcare subsidies, which will provide financial support for families with children under three years old starting from January 1, 2025, with a basic annual subsidy of 3,600 yuan per child [1][2]. Group 1: Bank Responses - On November 17, Bank of China disbursed the first batch of childcare subsidy funds in Liaoning and Hebei, benefiting nearly 1,600 newborn families [2]. - Industrial and Commercial Bank of China has launched instant social security card services at multiple branches to facilitate the application for childcare subsidies [3]. - China Everbright Bank announced that childcare subsidies can be claimed through multiple online and offline channels, providing families with additional comprehensive financial services [3]. Group 2: Innovative Services - Banks are enhancing the subsidy distribution process by offering innovative services, such as Bank of China's online application for newborn social security cards and special discounts on family-related products and services [4]. - China Everbright Bank has introduced a "Childcare Subsidy Classroom" on its official WeChat account to promote related policies [5]. - Industrial and Commercial Bank of China has developed a one-stop service plan for newborn families, integrating social security card applications with comprehensive financial services [5]. Group 3: Future Opportunities - As the subsidy application process begins, banks are expected to introduce more supportive financial services related to childbirth policies [6]. - Experts believe that banks' involvement in subsidy distribution not only fulfills national strategic missions but also creates value through customer retention, business expansion into maternal and infant consumption, and brand enhancement [7]. - The broad service networks of banks can facilitate the efficient implementation of childbirth support policies while allowing them to capture specific customer segments and expand their business scope [7]. Group 4: Challenges and Recommendations - Banks face challenges in system integration and data sharing with government departments, necessitating careful coordination and adaptation [8]. - There is a need for banks to improve mechanisms to ensure accurate subsidy distribution, avoiding errors in payments [8]. - Experts suggest that banks should focus on creating unified data standards, streamlined approval processes, and consistent service experiences to enhance the effectiveness of the subsidy program [8].

Core Viewpoint - Multiple banks in China are actively participating in the distribution of childcare subsidies to support the national policy aimed at encouraging childbirth, with efficient financial services ensuring that benefits reach newborn families accurately [1][2]. Group 1: Implementation of Childcare Subsidies - The implementation plan for childcare subsidies was issued by the Central Committee and the State Council in July, establishing a subsidy of 3,600 yuan per child per year for children under three years old starting from January 1, 2025 [2]. - China Bank successfully distributed the first batch of childcare subsidies in Liaoning and Hebei, benefiting nearly 1,600 newborn families [2]. - Banks are conducting promotional activities to raise awareness of the policy and are offering additional services such as online applications for social security cards and discounts on parenting-related products [2][3]. Group 2: Role of Commercial Banks - Several banks, including Agricultural Bank and Everbright Bank, have opened channels for online applications for childcare subsidies, enhancing accessibility for families [3]. - The involvement of commercial banks is driven by their robust payment systems and high service efficiency, which are essential for the rapid implementation of the policy [3][4]. - Banks are expected to leverage their extensive service networks to facilitate the effective rollout of the childbirth support policy while also expanding their customer base and service offerings [4]. Group 3: Challenges and Future Developments - Challenges include the need for better integration with government systems and ensuring accurate subsidy distribution to avoid errors [4]. - The surge in business volume may pressure bank branches, necessitating improvements in service efficiency and accuracy in fund transfers [4]. - Looking ahead, banks plan to broaden the coverage of subsidies and introduce diverse financial services related to childbirth, including consumer finance, insurance, and savings products [4].

国家税务总局贵州省税务局个人所得税处负责人介绍，为切实发挥税收对生育支持的保障作用，贵州税 务部门重点推进三项工作：一是全面精准落实3岁以下婴幼儿照护和子女教育专项附加扣除政策，确保 政策红利应享尽享；二是持续优化申报流程，简化个人所得税APP填报操作，让纳税人"懂政策、会操 作、快享受"；三是创新宣传服务模式，通过多渠道、广覆盖的宣传推广，提升政策知晓度，推动政策 主动"找上门"，打通政策落地"最后一公里"。 近年来，贵州税务部门紧扣国家生育政策导向，以精准落实税收优惠为抓手，切实降低家庭生育养育教 育成本，为生育友好型社会建设注入税务力量。数据显示，2025年1至10月，贵州省在个人所得税预扣 预缴阶段，已有56.59万人享受子女教育专项附加扣除，累计扣除金额81.78亿元，减税4.63亿元；13.01 万人享受3岁以下婴幼儿照护专项附加扣除，累计扣除金额12.85亿元，减税0.68亿元，政策红利持续精 准释放。 "这些税收政策真是给家庭送来了'及时雨'!"六盘水市第二十中学的张老师深有感触地说。起初，学校对 税务部门联合宣传个人所得税专项附加扣除政策的提议还心存抵触，"但经过税务人员的细致讲解，我 们发 ...

《 人民日报 》（ 2025年11月16日 02 版） (责编：赵欣悦、袁勃) 本报北京11月15日电 （记者申少铁）记者日前从第五届中国人口与发展论坛获悉：目前，我国每千人 口拥有3岁以下婴幼儿托位数已达到4.73个，超额完成"十四五"规划提出的2025年每千人口托位数达到 4.5个的目标。 "十四五"时期，我国大力推进托育服务体系建设，目前，共有12.6万家托育服务机构，提供的托位总数 达到665.7万个。近年来，我国出台一揽子生育支持政策措施，推动建设生育友好型社会。在服务支持 方面，全面推进分娩镇痛工作，持续开展母婴安全行动，加强儿科建设；在经济支持方面，建立实施育 儿补贴制度，目前已有3170多万条申请，各地已于2025年11月中旬陆续开始发放育儿补贴。 ...

2025.11. 15 首都经济贸易大学劳动经济学院教授姜全保对第一财经分析，我国幅员辽阔，各地经济发展水平存在 差异，既有省际差异，也有省域内各地市之间的差异。因此，在国家育儿补贴制度的基础上，各地因 地制宜，尽力而为、量力而行，在本地财力允许的范围内出台补贴政策。 当前，我国已由人口增量发展转向减量发展阶段，人口发展呈现少子化、老龄化、区域人口增减分化 的趋势性特征。 河北大学经济学院教授王金营撰文分析，未来人口发展面临严峻挑战。长期低生育率将导致人口规模 缩减、结构老化以及区域人口增减分化。若低生育率问题未在2025—2050年有效缓解，2050年后 人口年均缩减速度可能达1.5%，到21世纪末人口总量将大幅下降，老龄化水平或超过40%，这将对 产业、城市、基础设施与公共服务体系的稳定构成影响。因此，持续偏低的生育率已成为制约人口高 质量发展的关键瓶颈。 本文字数：1692，阅读时长大约3分钟 作者 | 第一财经 林靖 据央视报道，第五届中国人口与发展论坛11月14日在北京举行。国家卫生健康委主任雷海潮介 绍，"十四五"以来，我国不断完善生育政策体系和激励机制。2025年9月开始申领育儿补贴，目前全 国 ...

Core Points - Since the "14th Five-Year Plan," China has been improving its fertility policy system and incentive mechanisms, with a nationwide rollout of child-rearing subsidies starting in September 2025 [1] - The national child-rearing subsidy plan, announced on July 28, 2023, provides an annual subsidy of 3,600 yuan for each child until they reach three years old, applicable to all children regardless of birth order [1] - Local governments are encouraged to implement additional subsidy measures based on their financial capabilities, with the first local subsidy adjustment already announced in Ordos City [1] Group 1: Policy Implementation - The national child-rearing subsidy system has received over 31.7 million applications, with disbursements beginning in mid-November 2023 [1] - The subsidy is structured to provide 10,000 yuan per year for third children in Ordos, combining the national standard with local enhancements [1] Group 2: Demographic Challenges - Experts highlight that China is transitioning from population growth to decline, facing challenges such as low birth rates and an aging population [2] - If low birth rates persist, projections indicate a potential annual population decrease of 1.5% post-2050, with aging rates exceeding 40% by the end of the century [2] Group 3: Future Strategies - The "15th Five-Year Plan" emphasizes the need to integrate birth rate enhancement into broader population development strategies, focusing on both short-term and long-term initiatives [3] - Proposed measures include establishing a comprehensive cost-sharing mechanism for childbirth and child-rearing, improving public services, and fostering a supportive social culture for marriage and childbirth [3] Group 4: Economic and Service Support - Economic support measures include increasing tax deductions for childcare costs and expanding the coverage of maternity insurance [4] - As of now, there are 126,000 childcare service institutions in China, with a total of 6.657 million childcare spots, exceeding the target set in the "14th Five-Year Plan" [4][5]

发展托育服务是促进人口高质量发展和生育友好的重要举措。近年来，我国出台一揽子生育支持政策措 施，推动建设生育友好型社会。 当前，我国总体上已由人口增量发展转向减量发展阶段，人口发展呈现少子化、老龄化、区域人口增减 分化等明显的趋势性特征。"十五五"规划建议明确提出"促进人口高质量发展""健全覆盖全人群、全生 命周期的人口服务体系"。 新华社北京11月14日电（记者田晓航）记者11月14日从第五届中国人口与发展论坛获悉，目前，我国每 千人口拥有3岁以下婴幼儿托位数已达到4.73个，超额完成"十四五"规划提出的2025年每千人口托位数 达到4.5个的目标。 与会嘉宾普遍认为，"十五五"期间应加强统筹协调和政策储备，持续完善育儿补贴、休假、社保、税收 等方面生育支持政策和激励机制，不断降低家庭生育养育教育成本，营造全社会尊重生育、支持生育的 良好氛围，积极构建生育友好型社会。 国家卫生健康委员会主任雷海潮在论坛上介绍，"十四五"时期，我国大力推进托育服务体系建设，目 前，全国共有12.6万家托育服务机构，提供的托位总数达到665.7万个。 据介绍，在服务支持方面，我国全面推进分娩镇痛工作，持续开展母婴安全行动，加强 ...

Core Viewpoint - China is transitioning from population growth to a phase of decline, characterized by low birth rates, aging population, and regional population disparities. The current fertility level is approximately 1.1 children per woman, significantly below the ideal number of 1.8 and intended number of 1.6 [3][4]. Policy and Support Measures - The Chinese government is advocating for a positive marriage and childbirth outlook, optimizing fertility support policies, and implementing measures such as childcare subsidies and personal income tax deductions to reduce family costs associated with childbirth and education [4][7]. - The establishment of a comprehensive fertility support system is underway, focusing on three core areas: maternity insurance, care services, and reproductive health [3][6]. Healthcare and Financial Support - Recent improvements in healthcare support include the inclusion of therapeutic assisted reproductive technologies in insurance coverage, benefiting around 1 million families in 2024 [4][5]. - Beijing has integrated 16 assisted reproductive projects into its medical insurance, covering 647,000 patients with total costs of 863 million yuan, of which 581 million yuan was funded by insurance [5]. Local Government Initiatives - Hunan Province has introduced measures to enhance maternity services, ensuring that public medical institutions are available in areas with varying populations [6]. - The implementation of a national childcare subsidy program will provide 3,600 yuan annually for each child until the age of three, starting January 1, 2025 [7][8]. Educational Support - The government plans to gradually implement free preschool education, starting from the 2025 academic year, to alleviate the financial burden on families [8][9]. - The integration of free education policies is seen as a crucial part of the broader fertility support framework, aimed at fostering a child-friendly environment [8][9]. Comprehensive Approach - A multi-faceted approach is necessary to encourage childbirth, addressing economic support, education, childcare, medical care, and housing [9]. - Companies are encouraged to participate in this initiative by fulfilling social responsibilities, such as providing childcare facilities and implementing parental leave policies [9].

Core Viewpoint - China is entering a phase of negative population growth characterized by declining birth rates, aging population, and regional population disparities [1][2] Group 1: Population Trends - The current ideal number of children for the reproductive population is approximately 1.8, with an actual intended number of about 1.6, while the real birth rate is around 1.1 [1] - The transition to a negative population growth phase is occurring more rapidly in China compared to developed countries, completing in decades what took centuries elsewhere [1] Group 2: Policy Recommendations - The need for precise identification of family needs and timely policy adjustments to promote a supportive environment for childbirth is emphasized [1] - The proposal includes establishing a comprehensive support system focusing on maternity insurance, caregiving services, and reproductive health [1] Group 3: Support Measures - The government is advocating for improved birth support policies, including child-rearing subsidies and tax deductions to lower family costs associated with childbirth and education [2] - Recent initiatives include the inclusion of assisted reproductive technology in medical insurance, benefiting around 1 million families in 2024 [2][3] Group 4: Local Initiatives - Beijing has integrated 16 assisted reproductive projects into its medical insurance, serving 647,000 patients with total costs of 863 million yuan, of which 581 million yuan was covered by insurance [3] - Hunan Province has introduced measures to enhance maternal care services and improve the childbirth experience through better hospital facilities and pain management options [4] Group 5: Educational Support - A national childcare subsidy program will provide 3,600 yuan annually for each child until the age of three, starting from January 1, 2025 [5] - The government plans to gradually implement free preschool education, alleviating financial burdens on families [5] Group 6: Corporate Involvement - Companies are encouraged to take social responsibility by supporting childcare facilities and implementing parental leave policies, contributing to a more family-friendly environment [6]