新华财经新加坡12月17日电（记者刘春涛）总部位于新加坡的东盟与中日韩宏观经济研究办公室 （AMRO）17日发布题为《全球变局下的财政韧性：东盟+3规划未来之路》的评论文章。文章指出， 在全球经济增长放缓、借贷成本上升及人口结构变化的背景下，财政政策已成为东盟+3（ASEAN+3） 地区建立经济韧性的核心。 老龄化带来的挑战与"银发经济"机遇 人口老龄化是当前东盟+3面临的关键财政挑战，涉及日本、韩国、新加坡、泰国和中国等经济体。文 章列举数据称，中国的人均预期寿命已从2000年的71.4岁显著提高至2023年的78.6岁，这对医疗和养老 金体系构成了财政压力。 然而，文章也援引IMF报告指出，"70岁是新的50岁"，随着老年人认知能力提升，"银发经济"将带来新 机遇，政府应通过投资终身学习和护理设施来缓解压力。 债务可持续性框架的多元化 美债可持续性引发关注 文章特别提到，尽管国际货币基金组织（IMF）强调财政可持续性需建立在经济和政治上可行的基础赤 字之上，但作为传统基准的"无风险"美国国债利率正受到审视。 文章指出，美国目前面临38万亿美元的债务负担，对其长期债券的需求——特别是来自东盟+3成员的 需求 ...

随着企业业务规模扩大，在推广智慧养老方案、拓展全国服务网络及布局海外市场的过程中，亟需跨境 资金结算、流动性支持等一体化金融服务。浙商银行上海分行一方面持续深化合作，组建专项服务团 队，摒弃传统信贷评估中"重资产、轻价值"的惯性思维，将企业科技研发能力、数字化服务成效、行业 示范价值作为核心评估维度，高效完成3000万元流动支持类授信审批，为企业后续发展储备充足金 融"活水"；另一方面，针对该企业业务布局中的跨境资金需求，充分发挥自身深耕跨境金融领域的经验 优势，依托成熟的境外货币结汇服务体系，为企业提供高效、安全的境内外一体化资金管理方案，满足 企业海外市场布局的核心需求。 伴随人口老龄化加速，银发经济已成为连接民生与产业的战略纽带。传统养老模式面临服务供给不均、 精准度不足、隐私保护难等痛点，科技与养老的深度融合成为破局关键。浙商银行上海分行主动锚定智 慧养老产业发展需求，以"养老+金融+科技"三维赋能构建特色服务体系，将专业金融服务精准注入智 慧养老产业链，以创新实践助力民生福祉提升。 某数字基建领航企业深耕智慧养老领域，以"智能硬件+数字化平台+专业服务"闭环生态为核心，融合 AI技术与算法系统，打造 ...

12月16日，2025苏州银发经济创新创业大赛颁奖礼举行。赛事自11月启动以来吸引来自全国72个城市的近200个项目报名，围绕"康养技术与产品""康养服 务创新"两大赛道展开比拼，30个项目进入现场角逐并揭晓各类奖项。活动同步进行苏州银发经济产业推介，并发布首批苏州市银发经济产业顾问，为银 发领域创新更好回应"如何让3.1亿中国老年人生活得更好"的现实课题搭建对接通道。 颁奖礼现场同步进行苏州银发经济产业推介。苏州市民政局介绍了苏州老龄化现状及银发经济产业布局情况。随着养老服务需求持续增长，银发经济正成 为新的发展蓝海。围绕项目成长需求，苏州为参赛团队提供政策对接、投融资支持、应用场景验证等多元化扶持资源，助力创新成果加速落地。 活动中，首批苏州市银发经济产业顾问正式发布。该顾问团队汇聚老龄科学研究、养老服务、医疗健康、适老科技与设计等领域的专家力量，为银发经济 项目提供专业指导与智力支持。 大赛评委代表、北京银发壹族科技有限公司创始人段明杰在发言中表示，评审过程中始终坚持三项核心标准：是否真正回应老年人现实需求、是否具备可 持续发展能力、是否符合银发经济发展趋势。他特别提到，多项参赛项目呈现出良好的跨代协作 ...

Core Insights - China Everbright Bank's Hohhot branch signed a comprehensive strategic cooperation agreement with Inner Mongolia Cultural Tourism Investment Group to enhance collaboration in the silver economy and cultural tourism sectors [1][3][4] Group 1: Strategic Cooperation - The partnership aims to implement national policies on developing the silver economy and promoting cultural tourism consumption, focusing on three main areas: cultural tourism industry upgrade, quality improvement in elderly care services, and ensuring consumer welfare [1][3] - Inner Mongolia Cultural Tourism Group is a leading enterprise in the region's cultural tourism industry, and the bank will provide credit support in areas such as scenic area construction, hotel operations, and elderly care projects [3] Group 2: Financial Support and Innovation - The bank plans to leverage its full range of financial products to support major project collaborations, enhancing the transformation and upgrading of the cultural tourism industry in Northern Xinjiang [3] - The cooperation will integrate financial services with the cultural tourism sector, including collaboration with other group companies like Everbright Elderly Care and China Youth Travel Service to build a suitable elderly care system for Inner Mongolia [3] Group 3: Digital Transformation and Consumer Promotion - The partnership will focus on promoting consumption and digital transformation through customer service, product innovation, and brand co-creation, enriching experiences in "tourism + elderly care" and "tourism + cultural creativity" [3] - Everbright Bank will utilize digital tools like "Everbright Cloud Payment" to enhance operational efficiency and service quality for the tourism group, aiming to create a smart cultural tourism ecosystem and stimulate new consumer vitality [3][4]

Group 1 - The core idea of the article is to promote the "Silver Economy" and enhance consumption levels among the elderly, contributing to the development of the elderly care industry in Loudi City [4][5] - The second "Silver Economy Consumption Month" event will take place in December 2025, specifically from December 21 to 23 [5][6] - The event aims to create a "senior-friendly city" and will feature around 100 exhibitors from the silver economy sector, divided into five exhibition areas [6] Group 2 - The event is organized by the Loudi City Aging Work Committee and involves multiple local government departments [5] - Various incentives will be provided, including consumption vouchers for elderly individuals, with specific amounts and limits on distribution [3][4] - The event will be held at multiple locations across the city, with the main consumption festival located at Sunshui Park [6]

Core Viewpoint - The implementation of long-term care insurance (LTCI) is essential in addressing the challenges posed by an aging population and the increasing number of disabled elderly individuals in China, as highlighted in the recent Central Economic Work Conference [1][4]. Group 1: Importance of Long-Term Care Insurance - LTCI is crucial for alleviating the pressure on families caused by aging and disability risks, particularly for the elderly population [2]. - By the end of 2024, the population aged 60 and above in China is projected to reach 310 million, accounting for 22% of the total population, with 220 million aged 65 and above, representing 15.6% [1]. - The number of disabled elderly individuals is currently around 35 million, which is 11.6% of the total elderly population, and is expected to rise to 46 million by 2035 [3]. Group 2: Policy Developments and Coverage - As of July this year, the LTCI system has covered 190 million people, with expenditures exceeding 85 billion yuan [4]. - The National Healthcare Security Administration has introduced a trial service project directory for LTCI, outlining 36 service items [4]. - The "14th Five-Year Plan" emphasizes the promotion of LTCI and the establishment of a care system for disabled and cognitively impaired elderly individuals [4]. Group 3: Future Outlook and Economic Impact - Experts predict that the period from 2025 to 2027 may witness significant growth in the elderly care industry and the silver economy [6]. - The comprehensive implementation of LTCI is seen as a key measure for building a more complete pension security system, which could also stimulate the silver economy [5].

Group 1 - The core focus of the upcoming "14th Five-Year Plan" is to promote high-quality development and ensure significant progress towards Chinese-style modernization, with a key indicator being the per capita GDP reaching the level of middle-developed countries, which is currently averaged at $23,000 according to the World Bank [1] - Achieving high-quality development requires a transformation and upgrading of the economic structure, which is closely linked to high-level technological self-reliance and innovation [1] - The integration of AI into production is emphasized as a crucial step in converting scientific discoveries into productive forces, highlighting the importance of technology in the modernization process [1] Group 2 - The future of AI is closely tied to ESG (Environmental, Social, and Governance) goals, with the establishment of computing power centers being a critical competitive point globally [2] - The shift from water cooling to liquid cooling in computing power centers is noted as a significant advancement in reducing energy consumption, which aligns with ESG objectives [2] - Discussions at the forum included the need for stable employment across traditional, new, and flexible job forms, with traditional manufacturing being vital for job stability [2] Group 3 - The transition from an industrial society to a knowledge society is proposed through the establishment of a three-tier knowledge system at the county, town, and village levels [3] - The next 20 years are expected to present new opportunities in overseas expansion, new consumption patterns, and artificial intelligence, with significant potential for growth in service consumption and the silver economy [3] - The Long Triangle National Technology Innovation Center is addressing the challenge of financing for early-stage innovative projects by advocating for a "grant-investment combination" model to support major innovation initiatives [3]

进入"十五五"，人口老龄化、劳动力大龄化将更加明显—— 放宽就业社保年龄限制，意味着什么？(这些新提法，写入"十五五"规划建议⑩) "稳妥实施渐进式延迟法定退休年龄，优化就业、社保等方面年龄限制政策"——《中共中央关于制定国 民经济和社会发展第十五个五年规划的建议》中，关于就业、社保的这一表述吸引关注。 李璐分析，在延迟退休实施之前，我国原法定退休年龄是女职工50周岁、55周岁，男职工60周岁，超过 年龄的求职者就难以签订劳动合同并缴纳社保了。配合延迟法定退休年龄政策就需要优化对上述年龄的 限制，让劳动者也相应可以签订劳动合同、缴纳社保等。 进一步规范劳动用工市场 根据"十五五"规划建议，稳妥实施渐进式延迟法定退休年龄，优化就业、社保等方面年龄限制政策，积 极开发老年人力资源，发展银发经济。如何理解其重要性？ 当前，中国人口和劳动力总量呈现减少趋势，人口老龄化、劳动力大龄化更加明显。在此背景下，优化 就业社保年龄限制政策意味着什么？ 破除针对特定年龄段的不合理约束 今年1月1日起，渐进式延迟法定退休年龄已在中国实施。居民就业、社保等方面的选择和情形随之发生 变化。 比如1972年9月出生的男职工，改革后的法定 ...

中央经济工作会议的召开，为新一年经济工作启航标定了方向。"拓展'人工智能+'""办好民生实事"等关键部署，被列为2026年经济工作的重点任务。当 前，我国60岁及以上老年人口已超过3.1亿，当以人工智能为代表的新兴产业与银发浪潮相遇，最先进的科技与最普惠的民生"双向奔赴"，会在接下来经济 发展的新航程中，解锁哪些全新应用场景，孕育出怎样的产业新机遇？ 在湖南长沙的一个社区养老服务站，有一个会看诊的小机器人。老人们每天去服务站监测血压、简单问诊。这个小机器人还是老人们的"文娱小伙伴"。 这款机器人是湖南一家科技公司研发出来的。这家公司推出的健康陪护类人形机器人，主要围绕助医、助行、助餐等方面，为老人提供陪护功能。他们让机 器人学习弹钢琴，是为了锻炼它的手指灵活度，好让机器人尽早实现更细致的家庭照护服务。 为了让机器人将来能胜任健康陪护的工作，研发团队还在训练机器人学习艾灸、按摩。 设计这位"实习生"的科技公司，开发了一些针对老人的特定场景，他们做了很多姿态算法，当发生紧急情况的时候，机器人会第一时间识别并发出通知，可 以及时处理突发状况。 在广东深圳一家养老院里，机器人承担了很多工作，包括24小时监护老人的生命 ...

Industry Overview - The service consumption sector in China has significant growth potential, with the current GDP per capita exceeding $13,000, indicating a shift from goods to service consumption as the economy matures [4][7][24] - The proportion of development-oriented and enjoyment-oriented service consumption in China is relatively low, particularly in cultural, leisure, and health sectors, suggesting substantial room for improvement [4][7][24] - Recent government policies at both central and local levels have been introduced to support service consumption, focusing on the needs of the elderly and Generation Z, which are expected to drive growth in health, tourism, and new consumption sectors [4][7][24] Tourism and Travel - The domestic tourism market is projected to grow significantly, with 4.998 billion trips expected in the first three quarters of 2025, reflecting an 18% year-on-year increase [8][46] - The government has implemented various supportive policies to enhance tourism, including the issuance of travel vouchers and promotional activities to stimulate demand [8][58] - The tourism industry is undergoing consolidation, with companies optimizing resources and enhancing operational efficiency to drive high-quality development [8][58] Local Lifestyle - The restaurant industry is expected to see steady growth, although there is significant market differentiation, with high-end dining facing challenges while mass dining remains robust [10][10] - The tea beverage sector is experiencing growth driven by delivery services, with leading brands expanding their store presence despite potential challenges from subsidy reductions [10][10] - Meituan is facing increased competition in the delivery market, with a focus on improving operational efficiency and service quality to enhance long-term value [10][10] Education and Employment - The education sector is gradually recovering, with leading institutions expected to gain market share due to their brand strength and resource capabilities [11][11] - The human resources sector is seeing structural demand recovery, with AI technology providing opportunities for cost reduction and efficiency improvements [11][11] Summary of Investment Opportunities - Investment opportunities are concentrated in sectors that combine valuation safety margins with growth logic, particularly in health, tourism, and new consumption areas driven by demographic changes [4][7][24]