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人口老龄化加速,银发经济如何破局?|聪明的钱
3 6 Ke· 2025-06-06 05:30
Group 1: Aging Population and Economic Impact - The aging population in China is accelerating, with the proportion of individuals aged 65 and above increasing by approximately 0.6 percentage points annually from 2020 to 2024, faster than previous periods [3][5] - By the end of 2023, the 50-60 age group will be a significant demographic, indicating a strong demand for services such as healthcare and tourism, marking the next 5-10 years as crucial for the development of the silver economy [5][14] - Japan's experience with aging has shown a significant shift in consumption patterns, with a decline in discretionary spending and an increase in essential spending such as food and healthcare [9][11] Group 2: Policy Recommendations and Economic Strategies - Japan's silver economy evolved through three key phases, with the implementation of the Long-Term Care Insurance Law in 2000 being pivotal in marketizing elderly care services and alleviating financial burdens [19][21] - China can learn from Japan by establishing a comprehensive long-term care insurance system that adjusts based on demographic and income differences, thereby easing the pressure on healthcare funding [23] - Enhancing re-employment opportunities for younger seniors can stimulate consumption, as older individuals tend to spend more of their income compared to younger counterparts [23]
老年食品市场进入爆发前夜,但标准、功能声称等困扰仍待解
Di Yi Cai Jing· 2025-06-06 05:26
Group 1 - The elderly food market in China is expected to grow due to the accelerating aging population, but it faces systemic challenges that need to be addressed [1][2] - As of the end of 2023, the population aged 60 and above in China reached 296.97 million, accounting for 21.1% of the total population, with the aging process expected to intensify in the coming years [1] - The market for nutritional health foods is projected to reach 522.3 billion yuan in 2024, with a compound annual growth rate of 8.5% for nutritional functional foods over the next five years [2] Group 2 - There is a mismatch between the demand and supply of elderly food products in China, with few products specifically designed for the elderly and many being health supplements that do not cater to their actual needs [3] - The ordinary food sector often misrepresents products as suitable for the elderly, lacking genuine nutritional considerations [3] - The influx of participants in the health food market has led to a lack of innovation and quality, resulting in consumer distrust due to misleading marketing practices [3] Group 3 - Domestic dairy and food companies are recognizing the market opportunities in elderly food and are accelerating their investments in this sector [4] - Companies like Bright Dairy and Yili are focusing on developing functional dairy products aimed at healthy aging, but they face challenges such as a lack of standards and difficulties in claiming product functions [4] - The regulatory environment complicates the ability to make functional claims for new products, as only health foods can officially declare such benefits [4][5] Group 4 - The process of obtaining health food certifications is lengthy and challenging, which does not align with the rapidly changing market demands [5] - Companies are encouraged to innovate while simultaneously gathering research data on the elderly population to address the urgent issue of aging in China [5]
2025上海老博会下周开幕!今年展会都有哪些亮点?快看剧透→
第一财经· 2025-06-06 04:57
市民政局介绍,6月11日至13日,2025上海老博会将拉开帷幕,一站式助你买到实惠好 用的适老产品,体验最新最全的养老产品和服务!有机会带着爸妈去逛逛吧~今年展会 都有哪些亮点?快看剧透↓ 今年上海老博会整体规模及内容策划再次创新升级。截至目前,共有来自中国、奥地利、荷 兰、德国、丹麦等16个国家和地区的海内外养老品牌共同参与,参展企业近500家,展览面积 达5万平方米,展会规模达历史峰值。 国际展团、养老新科技众星云集 本届老博会聚焦银发经济新趋势,在行业大牌、跨界品牌、国际参与度、养老新科技,及银发消费 品类多元化等方面表现亮眼,行业引领性持续凸显。 经典与跨界大牌交相和鸣,日澳国际展团重装亮相 上海老博会作为全国银发产业发展水平的风向标,今年,行业经典领军品牌参与度持续加码,展会 国际化方面,不少国家参与热情高涨。据统计,日本参展品牌数量超过60家,在所有海外参展国家 中位列榜首。本届展会也是上海老博会举办以来澳大利亚品牌参展规模最大的一年。 养老与高新技术灵感碰撞,银发科技发展前景广阔 展会现场,越来越丰富的养老新科技展品昭示着我国银发行业从"老有所养"向"老有智享"的跨越式 发展。 智能无人驾驶轮椅 ...
财经观察:关税挑战下,跨境电商得与失
Huan Qiu Shi Bao· 2025-06-05 22:52
Core Viewpoint - The Chinese cross-border e-commerce industry is experiencing a shift in dynamics due to new tariff policies implemented by the US, EU, and Japan, prompting platforms and merchants to adjust their strategies and enhance competitiveness [1][4]. Group 1: Market Trends - The European market is emerging as a new opportunity for Chinese cross-border e-commerce, with a focus on products catering to the "silver economy," "lazy economy," environmental travel, safety concerns, and silent travel [2][4]. - Advertising expenditures by Chinese platforms like Temu and Shein in Europe have surged, with EU countries seeing a 12-fold increase in monthly ad spending [4]. Group 2: Tariff Impacts - The US has reduced tariffs on small packages from 120% to 54% for items valued under $800, while maintaining a fixed fee of $100 for packages [4][5]. - The EU has proposed a €2 fixed fee for small packages sent to consumers, affecting 4.6 billion packages, 91% of which originate from China [5][6]. Group 3: Business Model Adjustments - Chinese platforms are adapting by increasing local warehousing in the US and exploring traditional logistics models similar to Amazon [7]. - The "double clearance and tax" model is being adopted by many merchants to manage logistics costs effectively [8]. Group 4: Consumer Reactions - Consumers in Europe express dissatisfaction with potential new taxes, fearing increased prices for goods that have previously been affordable through Chinese platforms [6]. - Despite price increases, some consumers continue to prefer Chinese e-commerce platforms due to their competitive pricing compared to local alternatives [8]. Group 5: Future Outlook - The overall growth of Chinese cross-border e-commerce remains strong, particularly in Southeast Asia, with ongoing improvements in product quality and design [8]. - The industry is focused on enhancing logistics and distribution systems to facilitate a shift from "buying globally" to "selling globally" [8].
云南:拓展新业态 激发新活力 促进银发经济发展
近年来,云南省深入贯彻落实国家相关部署,聚焦老年人的急难愁盼,从政策支持、科技赋能、产业发 展、社会协同等多维度发力,大力发展银发经济,以更好的适老化产品和服务满足多元化养老需求,全 省银发经济实现稳步发展。 2024年,云南省出台发展银发经济增进老年人福祉的实施意见,从健全助老服务体系、提升产品供给质 量、大力培育潜力产业、拓展旅居服务业态等方面发力,促进银发经济规模化、标准化、集群化、品牌 化发展。 创新推进养老服务智慧化。围绕"5+13+N"全省公共数据资源体系,初步建成人口基础数据库,积极推 动云南数字老龄平台建设,利用大数据、大模型、人工智能与养老服务平台深度融合,推进老龄数据开 发利用和互换共享,探索打造养老服务人工智能(AI)应用场景。 深入推进多种场景、不同群体的适老化改造。2024年,全省共实施适老化无障碍改造小区563个,对1万 户分散供养特困人员范围的高龄、失能、残疾老年人家庭开展适老化改造。截至目前,已完成6.4万户 特殊困难老年人家庭适老化改造。 不断创新养老金融产品和服务,多维度满足市场需求。创新"安享存""养盈存"等专属养老金融产品,稳 妥推进"惠民保"城市定制型商业医疗保险业务 ...
打破银发消费的“隐形高墙”
Guang Zhou Ri Bao· 2025-06-05 20:16
对此,怎么看?可以理解,但无法接受。商家有钱不赚,自然是为了规避风险。客观而言,作为经营主 体,它们也有权选择交易对象和目标群体。但于情,老人消费被"卡年龄",相当伤自尊,也着实令人心 寒。于理,把年龄作为刚性门槛,明显属于不公平对待,是赤裸裸的年龄歧视。再往大处看,老人租房 难、参团难等尴尬,不只是个体的困境,也是重要的民生关切,事关老年群体的幸福感,更与挖潜银发 经济、激发消费活力直接相关。 在提振消费的大棋局中,银发消费被寄予厚望。然而在不少场景中,老年人正在成为"不受欢迎群体"。 稍加留意会发现,近来相关报道屡见不鲜,甚至正趋于普遍。 比如租房。有人为65岁母亲和年迈外婆租房"3天被拒20次",有房东放话"宁可房子空着也不租给老 人",一些平台甚至将60岁以上租客自动归类为高风险群体。比如运动健身,有健身爱好者因"超过65 岁"被健身房拒之门外;有的游泳馆拒绝70岁以上老人办卡。再如旅游,部分旅行社对70岁以上老人报 团设"限制门槛",从直系家属签字到成年家属陪同,参个团可谓困难重重…… "一个社会幸福不幸福,很重要的是看老年人幸福不幸福。"而老年人幸福不幸福,能否便捷、舒心 地"花钱",是非常重要的 ...
【养老之道】 银发经济 要标准更要温度
Zheng Quan Shi Bao· 2025-06-05 17:57
Core Viewpoint - The recent release of the "Standardization Development Plan for the Elderly Industry (2025-2030)" by the China Aging Industry Association highlights the importance of standardization in elderly products, but raises concerns about the practical usability of these products for the elderly [1][2]. Group 1: Importance of Standardization - Standardization is crucial to ensure safety in elderly products, as the absence of unified safety standards can lead to dangerous situations, such as with electric wheelchairs [1]. - There is a risk that some companies may misuse standardization as a marketing tool, labeling ordinary household appliances as "elderly-specific" without meaningful modifications [1][2]. Group 2: Effective Standards - True elderly standards should be based on scientific considerations of physiological functions and detailed observations of living scenarios, as exemplified by Japan's requirement for a minimum color contrast of 30% between floors and walls in nursing homes [2]. - Standards should not only focus on technical parameters but also consider the practical usability for the elderly, such as the complexity of elevator buttons that may deter elderly users from using them independently [2]. Group 3: User Experience and Feedback - The essence of the silver economy is rooted in familial care, which cannot be standardized; thus, establishing a system for "elderly experience officers" could enhance service quality [3]. - Real-life feedback from elderly users is essential for improving standards, as demonstrated by a nursing home in Hangzhou that allows residents to rate caregivers [3]. Group 4: Market Demand and Product Development - The silver economy requires a deeper understanding of elderly needs, suggesting that product development should focus on user-friendly designs rather than merely meeting compliance standards [3]. - The industry should prioritize practical usability over mere adherence to national standards, emphasizing the importance of ensuring that products are genuinely usable by the elderly [3].
济南深挖消费新增长点 新型供给激活消费新业态
Zhong Guo Xin Wen Wang· 2025-06-05 14:57
Group 1 - Jinan city government aims to explore new consumption growth points, focusing on emerging sectors such as first-release economy, silver economy, national trend economy, and ice and snow economy [1] - The city plans to attract over 100 flagship stores and first shops from well-known domestic and international brands by 2025, enhancing the first-release economy [1] - In the silver economy, Jinan will develop elderly care services, including the establishment of three "smart nursing homes" and three community "virtual nursing homes" [1] Group 2 - Jinan will host various cultural and promotional events, including the 10th China Shandong Cuisine Culture Festival and Jinan Seafood Festival, to stimulate consumption during peak seasons [3] - The city plans to implement a new model combining performances, sports events, and exhibitions, with over 20 large-scale performances and more than 10 high-end sports events scheduled [3] Group 3 - As of June 4, Jinan has sold 57,000 vehicles through its vehicle scrappage and replacement program, and 209,900 units of home appliances and digital products through its old-for-new program [5] - The city has initiated a car first insurance subsidy policy, planning to distribute 30 million yuan in subsidies by the end of June [5] - Jinan's public charging infrastructure for electric vehicles has reached approximately 106,000 units, with an annual growth rate of about 65.2% [5] Group 4 - Jinan aims to secure two batches of national ultra-long-term special government bonds to support the old-for-new consumption program by 2025 [6] - The city has implemented a "housing consumption voucher" program, distributing 10,000 yuan vouchers to 5,000 consumers who purchase new residential properties [6] - A total of 30 million yuan has been allocated for a car first insurance voucher program for consumers purchasing new non-operational passenger vehicles [6]
对话松下电器木下步:拥抱中国速度、模式和成本优势
松下电器中国东北亚公司总裁CEO木下步近日在接受21世纪经济报道记者专访时表示,从中国模式上 说,松下在学习中国其他企业,了解它们的机制,松下集团约30%的利润是由中国市场贡献的。未来要 利用中国成本、中国模式、中国速度的优势提升松下的全球竞争力,变成全球成本、全球模式和全球速 度。 国家统计局数据显示,截至2024年末,中国60岁及以上老年人口超过3.1亿人。去年,国务院办公厅印 发的《关于发展银发经济增进老年人福祉的意见》指出,"银发经济是向老年人提供产品或服务,以及 为老龄阶段做准备等一系列经济活动的总和,涉及面广、产业链长、业态多元、潜力巨大。" 当下既有机遇也有挑战。木下步表示,因为有国家补贴政策,2024年第四季度和2025年第一季度松下家 电销售增速较高。进入今年二季度,透支效应下洗衣机、冰箱等家电增长势头放缓,但美容和健康产品 增速较高。 除了增量市场,挖掘存量市场的机遇也至关重要。参考日本经验,木下步对记者表示,过去数十年日本 企业主要拥抱了两大类型的机遇:一是聚焦有增量空间的成长性市场,这是一种策略;另一种是一些市 场增长空间有限,但企业可以通过改变商业模式,创新地满足消费者的潜在需求。 ...
含“金”量提升!银发经济跑出“加速度” 焕发消费“青春活力”
Yang Shi Wang· 2025-06-05 04:37
Core Viewpoint - The article discusses the increasing trend of elderly tourism in China, highlighting the growth in demand for travel among senior citizens and the efforts made by local governments and businesses to cater to this demographic's needs. Group 1: Market Demand and Growth - In 2024, Hanzhong, Shaanxi received 12.73 million elderly tourists, generating a tourism revenue of 8.59 billion yuan [1] - In the first quarter of 2025, tourism orders from the elderly population increased by 26% year-on-year [1] Group 2: Services and Facilities for Elderly Tourists - Hotels are equipped with wheelchairs, walking sticks, and entertainment facilities like game rooms to meet the needs of elderly travelers [7] - Local travel agencies have launched tourism projects specifically designed for seniors, with attractions and restaurants undergoing age-friendly renovations [7] Group 3: Accessibility Improvements - Dragon Head Mountain Scenic Area has installed elevators, cable cars, and cliff walkways to enhance accessibility for elderly visitors [9] - Hanzhong has added barrier-free access at various tourist sites and developed elder-friendly accommodation and care projects [11] Group 4: Health and Dining Services - A comprehensive policy has been introduced to facilitate medical and dining services for elderly tourists, including free annual health check-ups for those staying longer than six months [13] - Elderly tourists can enjoy dining at local restaurants at the same price as local seniors, with special meal packages offered by certain establishments [15]