今天分享的是：上观智库：2025年上海银发人群消费进化洞察报告 报告共计：22页 上海银发人群消费进化洞察报告总结 上海老龄化程度位居全国前列，2023年末60岁及以上老年人口占户籍总人口的37.4%，65岁及以上占比28.8%，且未来老龄化程 度将持续加深，预计2030年老年人口占比将达40%。在此背景下，银发经济成为经济增长的重要新引擎，涵盖养老事业与产 业，涉及医疗、金融、科技等多个领域。 上海银发群体消费能力稳固，72.86%的老人养老金在5000元以上，超半数老人月支出占收入比例达55%以上，且消费意愿充 足，27.14%的老人有较强消费意愿，64.29%偶尔有消费意愿。消费结构呈现多元特征，慢病用药、外出就餐、旅行、保健开支 等为主要消费方向，其中旅行消费尤为突出，近92%的老年人有出游经历，超66%花费在5000元以上。 消费偏好上，老人优先关注产品功能性、实用度、价格及儿女意见，购物场景仍以线下为主，61.43%倾向实体消费，但71.43% 的老人反映线下商场缺乏激发消费需求的商品。智能养老产品需求集中，生活辅助类、健康监测类AI产品受青睐，情感陪伴型 AI产品也有一定市场需求，且多数老人希望 ...

Core Viewpoint - The article emphasizes the importance of effectively expanding high-quality consumer supply and adapting to consumer needs through innovative manufacturing and service models [1] Group 1: Consumer Supply and Demand - The article advocates for enhancing the adaptability of consumer goods supply and demand [1] - It suggests promoting flexible and customized manufacturing models to efficiently respond to individual consumer demands [1] - The application of artificial intelligence across the entire consumer goods industry is encouraged to improve efficiency [1] Group 2: Green Consumption and Product Development - There is a focus on adapting to the trends of green and low-carbon consumption, promoting the expansion and iteration of green products [1] - The article highlights the potential for growth in automotive aftermarket consumption, including modifications and RV camping [1] - Development of interest-based consumer products such as pet-related items, anime, and trendy clothing is also emphasized [1] Group 3: Service Consumption Enhancement - The article calls for improving and expanding service consumption by relaxing entry restrictions and promoting business model integration [1] - It highlights the importance of developing the silver economy and promoting the smart health and elderly care industry [1] - The establishment of a coordinated elderly care service system that integrates community institutions and health services is recommended [1] Group 4: Diverse Consumption Integration - The article encourages the development of community-based childcare services and integrated care for children [1] - It promotes the fusion of online and offline consumption across various sectors, including travel, culture, and sports [1] - Support for increasing the supply of quality sports projects and unique sporting events is also mentioned [1]

Market Overview - The A-share market experienced a weak oscillation pattern with a low opening and subsequent recovery, influenced by negative sentiment from external markets, particularly the decline in Japanese and Hong Kong stocks [2][4][8] - The insurance and consumer sectors saw gains, while technology stocks faced significant declines, indicating a lack of sustained support from new capital [2][6][7] Sector Performance - The insurance sector led the market with notable gains, driven by regulatory adjustments that lowered risk factors for investments in key indices [6][7] - Consumer stocks, particularly in retail and food and beverage, were active due to recent government policies aimed at boosting consumption [6][7] - Conversely, sectors such as semiconductor, energy metals, and bioproducts experienced declines, reflecting broader market weaknesses [4][5][6] Investment Strategy - Investors are advised to adopt a cautious approach, waiting for clearer entry signals, while long-term investors may consider buying on dips [2][7] - Focus should be on sectors with strong earnings support, including technology growth areas (semiconductors, AI, robotics) and cyclical industries (solar, batteries, chemicals) [2][7] - Avoid high-valuation stocks lacking performance backing, emphasizing the importance of selecting fundamentally sound investments [2][7]

中央经济工作会议在部署明年稳定重点群体就业的工作时特别提到了农民工群体。来自人力资源社会保障部的信息显示，今年以来，国家持续 拓宽农民工群体就业渠道，支持和规范发展新就业形态，推动劳务品牌从自发性向组织化、粗放式向精细化、简单劳务向产业融合转变。 中央经济工作会议在部署明年工作时指出：实施稳岗扩容提质行动，稳定高校毕业生、农民工等重点群体就业。明年应该怎么干？ 稳定重点群体就业 明年应该怎么干？ 发展新就业形态 北京师范大学教授、经济学专家万喆介绍，政策将采取分类施策、精准扶持的方式。针对毕业生，扩岗赋能，精准帮扶全面升级；针对农民 工，主要是劳务对接，技能与权益保障深化。多项政策协同发力，形成有效合力。 拓宽农民工群体就业渠道 北京师范大学教授、经济学专家万喆介绍，协同推进，覆盖企业重点群体全链条；帮助企业稳住现有岗位，减轻企业负担；多渠道挖掘岗位供 给，以创业带动就业；将技能与产教融合升级，解决技能错配问题，高效落实与精准对接，保障高质量就业。 努力为人民群众多办实事 现代服务业中，宠物服务行业三季度招聘职位数同比增长43.7%，其中，宠物医生、宠物美容岗位增速尤为突出，分别达128.2%、67.3%。新 ...

2025 年，消费行业正呈现出 "市场两极分化、组织精简重构、行业多点爆发、人才韧性突围" 的全景态势。无论是企业经营者、投资者，还是职场从业者， 读懂这些趋势背后的逻辑，方能在不确定性中把握确定性机遇。本文将基于《2025 消费行业年度趋势报告》核心内容，拆解四大核心趋势，解锁行业未来 发展密码。 一、消费品市场新趋势：分化中孕育新机遇 消费市场的变革从未像今天这样剧烈，"中间价格带" 遇冷，理性消费崛起，银发经济爆发，三大趋势共同勾勒出 2025 年消费市场的核心轮廓。 1. 消费两极分化：升级与降级并行，中间地带承压 疫情后，消费者收入与财富状况的差异进一步放大，直接导致消费市场呈现 "两极分化" 的显著特征 —— 高收入群体追求品质升级，中低收入群体侧重性价 比降级，曾经拥挤的 "中间价格带" 成为竞争最激烈、增长最乏力的区域。 | 品牌 | 价格区间 | 产品特色 | 选址策略 | 净利润 (亿元) * | 同比变化 | | --- | --- | --- | --- | --- | --- | | 蜜雪冰城 | 低价(约6元) | 果饮、茶饮、 冰淇淋、咖啡 | 街边店 | 44 | 利润增超40 ...

证券日报网讯12月15日，奥佳华（002614）在互动平台回答投资者提问时表示，公司专注于大健康产 业，看好银发经济发展前景，正持续推进构建"检测-调理-养护"全链路智慧康养闭环的服务体系。 ...

Core Insights - The rise of Labubu is not coincidental but a result of generational aesthetics, emotional symbols, and identity expression [1][2] - The "Implementation Plan" provides a systematic framework for the new demand and supply dynamics, emphasizing the importance of capturing emotional trends and creating a sustainable supply chain [1][2][10] Generational Symbols - Each generation has its own Labubu, representing the spirit of the times, from Transformers for the 70s to digital IPs for Gen Z [2] - The changing emotional structures reflect new consumer demands in China, with the "Implementation Plan" targeting three trillion-level and ten hundred-billion-level consumption hotspots [2][4] New Consumption Trends - Future consumption is shifting from purchasing goods to subscribing to lifestyles, driven by demographic segmentation and interest-oriented consumption [3] - Changes in consumption dimensions include spatial (from traditional malls to immersive experiences), temporal (from one-time purchases to long-term relationships), and relational (from buyers to co-creators) [3] New Demand Dynamics - The demand for new products is shaped by collective choices across generations, with emotional needs such as identity recognition, emotional healing, and self-narrative being crucial [4][5] - The children's market is evolving towards cognitive development and emotional growth, while the elderly market is shifting from passive care to active quality of life improvements [6][5] New Supply Strategies - New supply-side structural reforms focus on leveraging technology and new models for precise supply-demand matching [7] - Flexible production and rapid iteration are becoming standard, with the ability to quickly respond to new consumer trends [7][8] Investment Opportunities - The investment landscape is becoming clearer with three trillion-level sectors (elderly products, smart vehicles, consumer electronics) and ten hundred-billion-level sectors (trendy toys, outdoor products, etc.) identified [9] - Key investment criteria include addressing unique emotional needs, having a sustainable supply system, and aligning with national strategic directions [9][10]

行业发展仍面临挑战。智能养老设备存在审批周期长、利用率低、使用门槛高等问题；养老服务存在供需错配，部分高端产品价格偏高，适老化供给不足； 新兴业态如陪诊服务缺乏统一规范，老年教育面临公益属性与市场化平衡难题。 报告提出四大发展建议：一是分层设计产品体系，覆盖普惠型、中高端及定制化需求；二是科技赋能智慧养老，开发贴合实际需求的智能产品；三是通过财 政补贴、制度创新激活市场需求，破解人力瓶颈；四是加强消费监管，规范养老金融与产品服务，保障老年人消费安全。未来，上海银发经济将向精准化、 智能化、品质化方向持续进化，释放更大消费潜力。 银发群体消费能力与意愿双高。72.86%的老年人养老金在5000元以上，超半数月支出占收入55%以上，58.57%处于小康生活水平。消费构成以慢病用药 （71.43%）、外出就餐（61.43%）、旅行为主（55.71%），产品功能性、实用度和价格是核心决策因素。64.29%的老人有一定消费意愿，27.14%意愿强 烈，线上消费占比达38.57%，兴趣消费、品质消费需求凸显。 消费场景创新多点突破。商场适老化改造成效显著，汇联商厦转型纯餐饮模式，聚集老字号美食，增强对中老年群体的吸引力； ...

胡润集团董事长兼首席调研官胡润对《养老报告》进行了深度解读。报告显示，人工智能将深度重 塑高净值人群的养老生活。在感兴趣的前沿医疗话题中，近一半的高净值人群提到了远程医疗与随身智 能装备（如可穿戴、智能设备等），1/4的高净值人群会主动关注AI诊疗、智慧医院。在未来高端医疗 需求方面，有25%关注智能设备（如助行、护理机器人等）。对于未来的养老生活畅想，31%认为自己 会进行数字创作（如AI绘画、AI作曲等）。对于未来养老机构的期望，智能化选项占比27%。可以想 见，智能科技会从健康管理、生活服务到财富规划全方位赋能品质养老。 近日，《中信保诚人寿「传家」∙ 胡润百富2025中国高净值人群品质养老报告》（下称《养老报 告》）发布会在苏州隆重举行。在国内经济转型升级、人口结构面临少子化与老龄化双重挑战等趋势背 景下，高净值家庭在养老规划、资金配置、服务诉求等方面有何真实需求？ 中信保诚人寿首席市场官姜南致辞表示，"老吾老，以及人之老"，养老是贯穿人类文明始终的永恒 命题。2024年，中国60岁以上人口已突破2.9亿，老龄化正从"纸上的趋势"变为"眼前的现实"。 苏州市养老产业联合会咨询专家主任、复旦大学老龄研究 ...

Core Insights - The opening of the Taikang Home Tongyuan Experience Center in Nantong marks a significant step in providing high-quality elderly care services in the region, aligning with the city's reputation for longevity and quality of life [1][2] Group 1: Project Overview - The Taikang Home Tongyuan project covers approximately 120,000 square meters and plans to build around 1,500 elderly care units, with a rehabilitation and nursing medical institution included [1] - The community is expected to officially operate by the fourth quarter of 2027, aiming to set a new standard for elderly care in Nantong and the Yangtze River Delta region [1] Group 2: Community Features - The Taikang Home Tongyuan Experience Center spans about 600 square meters and integrates Taikang's elderly care service philosophy with local cultural elements, providing an immersive experience for seniors [1] - The community will implement a "1+N" multidisciplinary care model, offering a range of services from independent living to professional nursing care [4] Group 3: Strategic Importance - Nantong is recognized as a "Happy City" with high satisfaction in elderly services, providing a solid foundation for high-quality elderly care [2] - The project is part of Taikang's broader strategy to establish a comprehensive elderly care service network in Jiangsu, with multiple facilities already operational or under development [6][8] Group 4: Local Context - Jiangsu province has entered a "longevity era," with over 3.25 million residents aged 80 and above, highlighting the increasing demand for elderly care services [6] - Nantong, as a certified "World Longevity City," has a significant number of centenarians, emphasizing the need for innovative elderly care solutions [6] Group 5: Community Engagement - Residents of Taikang communities have shared positive experiences, highlighting the benefits of the integrated care model, which includes proactive health monitoring and community activities [5]