据新华社12月4日报道，统计数据显示，2024财年，日本因无人继承而归入国库的财产总额达1291亿日 元（约合58.9亿元人民币），创下2013财年有相关记录以来的历史新高。 据日本广播协会报道，日本法律规定，一个人去世时若没有配偶、子女、父母、兄弟姐妹等继承人，或 未订立遗嘱，原则上无人可依法继承此人财产。此类财产需经家庭法院指定的清算人结清未缴税款、丧 葬费及其他相关费用，其余收归国家所有。 统计数据显示，2024财年日本国库收到的相关款项约为2013财年的3.8倍。 独居老人数量持续攀升 报道称，无人继承财产增加的一个关键原因是独居老人数量的持续攀升。这一现象与出生率下降、人口 老龄化、单身人口比例上升等多种原因有关。 据参考消息援引《日本经济新闻》网站12月4日报道，2025年在日本出生的日本籍婴儿数量预计约为 66.5万人，较上年减少3.0%。日本出生人口将连续两年跌破70万人，并再次刷新历史最低纪录。遏制少 子化趋势的路径目前仍不明朗。 该数据由日本综合研究所首席研究员藤波匠根据截至2025年11月已公布的人口动态统计数据推算得出。 报道称，今年日本出生人数将创下自1899年有统计数据以来的历史新 ...

两位老人在日本东京巢鸭附近散步 资料图 图片来源：新华社 统计数据显示，2024财年日本国库收到的相关款项约为2013财年的3.8倍。 每经编辑｜段炼 据新华社12月4日报道，统计数据显示，2024财年，日本因无人继承而归入国库的财产总额达1291亿日元（约合58.9亿元人民币），创下2013财年有相关 记录以来的历史新高。 据日本广播协会报道，日本法律规定，一个人去世时若没有配偶、子女、父母、兄弟姐妹等继承人，或未订立遗嘱，原则上无人可依法继承此人财产。此 类财产需经家庭法院指定的清算人结清未缴税款、丧葬费及其他相关费用，其余收归国家所有。 自2016年以来，日本出生人口连续10年呈减少趋势。 报道说，2022年至2024年日本出生人口降幅保持在5%区间，2025年降幅将收窄至3%区间。但藤波指出："出生人口形势依然严峻。年轻人的生育意愿较 低，即使结婚也不愿生孩子的情况有所增加。" 日本遗产继承相关机构律师吉田修平说，有的人即使去世时有法定继承人，但该继承人也可能出于年迈原因，不愿意办理相关手续，从而放弃继承。他认 为，去世时没有继承人的日本老人数量还会进一步增加，不过，这些老人也可提前订立遗嘱，将财产留 ...

根据东京商工调查所的统计，日本上门护理机构的倒闭数量已连续多年刷新历史纪录。2025年1月至11 月倒闭的护理机构多达85家，老年福利机构倒闭总数也攀升至172家，达到历史新高。 【环球时报驻日本特约记者 邵南】日本的上门护理行业正经历一场来势汹汹的倒闭潮。据日本《朝日 新闻》等媒体报道，许多支撑居家高龄人士生活的上门护理机构，正因盈利下降、人手不足以及从业者 老龄化等多重压力而濒临崩溃。 人手不足与从业人员老龄化交织，进一步加剧行业危机。日本厚生劳动省的数据显示，全国护理人员数 量在2023年从215.4万人降至212.6万人，需要护理服务的人员约有726万人，实际使用上门护理服务者约 为434万人。 据日本TBS电视台报道，岛根县某护理机构内18名护理员中有4人年过七旬，60岁以上的护理员正被迫 成为该行业的主力。一位78岁的护理员每天从早上7点半开始上门服务，有时要忙到下午6点。尽管她表 示，被人需要很有成就感，但人手不够导致超负荷工作也的确是残酷的现实。 《朝日新闻》称，由于护理机构人手不足，加上工资吸引力有限，经营者不得不依赖人力公司招聘，每 招一名护理员还需支付130万至160万日元的介绍费。许多 ...

今天分享的是：2025中国居民退休准备指数调研报告 报告共计：116页 2025中国居民退休准备指数调研报告核心总结 2025年中国居民退休准备指数为5.49，较2024年的5.34略有上升，整体保持稳定，呈现"认知强化、行动滞后、信心承压"的结构 性特征。居民对养老责任和财务规划的认知持续提升，但退休计划完善度、储蓄充分度及未来收入信心仍处于低位，标志着退 休准备进入从理念认知向行为转化的关键阶段。 从群体特征来看，高退休准备指数人群集中呈现80后、已婚、自评健康状况良好、研究生学历、就职于国有企业或外商/港澳台 商企业、金融素养较高等特征。收入与退休准备呈正相关，但并非唯一决定因素，部分低收入群体因金融素养高、储蓄意愿 强，准备水平甚至超过部分高收入者。区域分布上，呈现"东北领先、东中部稳步、西部追赶"的格局，黑龙江、辽宁等省份指 数领先，东部经济发达地区表现稳健，中西部部分省份进步明显，区域差距较往年有所收窄。 在养老生活预期方面，居民态度理性务实，居家独立养老仍是主流选择，多数希望维持现有生活水准。退休投资中，居民风险 承受度整体下降，更偏好本金安全和稳定收益，退休投资相对风险偏好平均为−0.15。不 ...

来啦宝子们，昨天小欧提到要面临压制考验，今天市场是上攻遇阻了，接下来就看调整的力度，若是下探均线支撑放量突破站上压制，那么反弹有望延续， 若是延续下行，短线反弹就告一段落，还会延续盘整。所以操作上，小欧思路还是要控制好仓位，做好两手准备。小欧是把资金规划中长线分批介入，避免 后市低位没子弹，同时有机会也会适度做T，我偏向延续震荡可能性大，所以我分批定投方式参与为主。小欧今天加有色、机器人、优质混合。 接下来说下我的个人操作（点蓝色字体或产品卡可直达）： 我加仓$招商中证机器人ETF联接C$5000元（点蓝色字体或产品卡可直达）。机器人板块今天有所调整，不过还是在短线支撑附近，小欧把握低吸机会建仓 一笔。布局逻辑，一是经过前期调整，小欧认为风险释放充分，周线看机器人低8信号，看好后续会有周线级别反弹。二是机器人产业具备长期增长潜力， 行业深度受益于人口老龄化加速、制造业自动化升级以及AI大模型技术的发展。 再是政策利好不断，各地纷纷扶持这个行业，未来潜力巨大。摩根士丹利预测，到2050年，全球人形机器人市场规模可能突破5万亿美元。招商机器人指数 跟踪机器人指数，纯度更高，小欧看好逢低入场了。 我加仓$天弘工业有 ...

Core Viewpoint - The article highlights Japan's severe fiscal challenges, with government debt exceeding 200% of GDP, the highest among developed countries, and suggests potential implications for investment strategies in the region [1][2]. Group 1: Economic Indicators - The Bank of Japan's Governor, Kazuo Ueda, strongly hinted at an interest rate hike in December, leading to a significant drop in the Nikkei index by nearly 1000 points [1]. - Japan's government debt has surpassed 200% of its GDP, indicating a critical fiscal health situation compared to other developed nations [2]. Group 2: Government Response - Prime Minister Sanae Takaichi's comments at an international investment conference aimed to encourage investment in Japan, but they risk being misinterpreted given the current economic climate [1]. - Takaichi has indicated plans to establish a new fiscal target that allows for more flexible spending over several years, which may dilute the government's commitment to fiscal consolidation [1].

Core Insights - Despite a decrease in the overall population of Chongqing in recent years, the population in the main urban area continues to grow, indicating a strong urban agglomeration effect [2][5] - The total population of Chongqing is projected to be 31.90 million by the end of 2024, with the main urban area accounting for 21.83 million, representing 68.43% of the total population [2][5] - The urban planning strategy aims to accommodate a population of 36 million across three coordinated development regions, with the main urban area identified as a key zone for high-quality development [2][3] Population Trends - Chongqing's overall population growth has reversed, with a decrease of 219,100 in 2023 and an additional decrease of 9,600 projected for 2024 [3][4] - The aging population is a significant factor in the decline, with 8.01 million individuals aged 60 and above, resulting in an aging rate of 25.11%, which is 3.1 percentage points higher than the national average [4][5] - The birth rate in Chongqing has been declining, with 191,000 births in 2024 and a natural population growth rate of -2.88‰ [4][5] Urban Area Dynamics - The main urban area of Chongqing has shown a consistent increase in population, with a recorded population of 21.12 million in 2020, rising to 21.83 million in 2024, marking a growth of approximately 43,600 [5] - The center city area has experienced a population increase of 0.7%, while the surrounding regions have seen slight declines, indicating a concentration of population in the urban core [5] - The urban area has become a primary destination for population inflow from surrounding regions due to its economic development, job opportunities, and rich public resources [5]

Core Insights - The UNDP has released a series of reports on China's "silver economy," emphasizing the need for high-quality development and an inclusive, sustainable aging society [1][2][3] - By the end of 2024, the population aged 65 and above in China is expected to reach 220 million, accounting for 15.6% of the total population, with projections indicating this will rise to 30% by 2050 [1] - The Chinese government plans to implement policies to enhance the welfare of the elderly, with a focus on developing the silver economy [1] Group 1: Reports Overview - The report "Improving the Elderly Care Service System through the Silver Economy" highlights the importance of a robust elderly care service system in addressing aging challenges, advocating for collaboration among government, industry, and society to enhance service quality [1] - The report "Financial Empowerment of China's Silver Economy" identifies key investment opportunities in the elderly care industry, including smart devices and home modifications for the elderly, while emphasizing the need to expand welfare coverage and strengthen economic security for the elderly [2] - The report "Multidimensional Vulnerability Measurement of China's Elderly Population" assesses the overall well-being of the elderly, identifying rural residents and elderly women as the most vulnerable groups, and calls for targeted policies to enhance their resilience [2] Group 2: Expert Insights - The UNDP representatives stress that appropriate policy guidance and effective financing mechanisms can transform the challenges of population aging into opportunities for inclusive growth [3] - There is a unique opportunity for China to turn the trend of increasing longevity into a new driving force for development by investing in families and building resilient elderly care systems [3]

Core Viewpoint - The proposal from the Central Committee emphasizes the need to actively respond to population aging and to establish a policy mechanism for the coordinated development of the elderly care industry and services [1][2]. Group 1: Policy and Development - The establishment of a coordinated policy mechanism for elderly care is essential for implementing the national strategy to address population aging and is a key pathway for achieving high-quality development in elderly services [1][2]. - The past five years have seen significant policy initiatives leading to new achievements in the elderly care sector, with the number of elderly care institutions reaching 406,000 and available beds totaling 7.993 million by the end of 2024 [1]. Group 2: Industry Growth and Challenges - The proportion of nursing beds in elderly care facilities increased from 48% in 2020 to 65.7%, indicating a shift towards more specialized care [1]. - By around 2035, the elderly population aged 60 and above in China is expected to exceed 400 million, entering a phase of severe aging, with projections of over 500 million by the middle of this century [1].

Core Insights - The article emphasizes the importance of developing a coordinated policy mechanism for the elderly care industry in response to China's aging population [1][2] - It highlights the significant growth potential of the elderly care service sector, which is both a vital public welfare initiative and a promising industry [1] Summary by Sections Policy Development - The proposal from the Central Committee aims to actively address population aging and improve the synergy between elderly care services and industry development [1] - The establishment of a robust policy mechanism is deemed essential for implementing the national strategy to tackle aging and for achieving high-quality development in elderly care services [2] Achievements and Progress - Over the past five years, China has introduced various policies that have led to notable advancements in elderly care services [1] - By the end of 2024, the number of elderly care institutions and facilities is expected to reach 406,000, with a total of 7.993 million beds, and the proportion of nursing beds has increased from 48% in 2020 to 65.7% [1] Future Outlook - The elderly population in China is projected to exceed 400 million by around 2035, entering a phase of severe aging, and will surpass 500 million by the middle of this century [1] - The next five years will require further reforms and the establishment of a policy mechanism that focuses on addressing issues and achieving goals, enhancing the roles of government, market, society, and families in elderly care [2]