每经编辑｜段炼 据湖北日报，荆门市近日发布完善生育支持政策体系措施，降低生育、养育、教育成本。该措施将于2026年1月1日起施行。 在生育成本减免上，有多项"真金白银"政策。比如，新婚夫妻可免费享婚前医学检查，备孕夫妻免费享孕前优生健康检查，荆门市户籍孕妇免费享无创产 前基因检测，新生儿免费享遗传代谢疾病筛查。 对需辅助生殖的家庭，人工授精最高补贴3000元，试管婴儿最高补贴10000元。 休假方面，生育二孩、三孩的职工，分别延长产假15天、30天，配偶护理假分别延长5天、10天。二孩、三孩家庭在中心城区购买新建商品住房，分别可 获2万元、4万元一次性购房补贴，且可与其他补贴叠加。 据国家医疗保障局待遇保障司副司长刘娟介绍，截至今年7月末，全国31个省（区、市）及新疆兵团全面将辅助生殖技术纳入报销，2024年已有超100万人 次享受待遇，助力万千家庭圆了"生育梦"。部分省份将分娩镇痛纳入报销，为孕产妇减负又减痛。同时，我们加快新生儿护理、"亲情陪产"等价格项目立 项，促进儿科产科优化服务，更好满足群众对生育服务的多元化需求。 此外，近年来，我国全面提升住院分娩医疗费用保障水平，积极推动政策范围内生育医疗费用全 ...

据湖北日报，荆门市近日发布完善生育支持政策体系措施，降低生育、养育、教育成本。该措施将于2026年1 月1日起施行。 在生育成本减免上，有多项"真金白银"政策。比如，新婚夫妻可免费享婚前医学检查，备孕夫妻免费享孕前优 生健康检查，荆门市户籍孕妇免费享无创产前基因检测，新生儿免费享遗传代谢疾病筛查。 F 违法和不良信息举报电话：0755-83514034 邮箱：bwb@stcn.com 券中社 × 券商中国 券 中 社 扫码下载券中社APP 扫码关注券商中国公众号 quanshangcn qzs.stcn.com 舞中 券中社APP 券 商 中 国 是 证 券 市 场 权 威 媒 体 《 证 券 时 报 》 旗 下 新 媒 体 , 券 商 中 国 对 该 平 台 所 刊 载 的 原 创 内 容 享 有 著 作 权 , 对需辅助生殖的家庭，人工授精最高补贴3000元，试管婴儿最高补贴10000元。休假方面，生育二孩、三孩的 职工，分别延长产假15天、30天，配偶护理假分别延长5天、10天。二孩、三孩家庭在中心城区购买新建商品 住房，分别可获2万元、4万元一次性购房补贴，且可与其他补贴叠加。 责编：王璐璐 校对： ...

微信编辑：夏木 封图：AI生成 据湖北日报， 荆门市近日发布完善生育支持政策体系措施，降低生育、养育、教育成本。该措施将 于2026年1月1日起施行。 在生育成本减免上，有多项"真金白银"政策。比如，新婚夫妻可免费享婚前医学检查，备孕夫妻免费 享孕前优生健康检查，荆门市户籍孕妇免费享无创产前基因检测，新生儿免费享遗传代谢疾病筛查。 对需辅助生殖的家庭，人工授精最高补贴3000元，试管婴儿最高补贴10000元。 休假方面，生育二 孩、三孩的职工，分别延长产假15天、30天，配偶护理假分别延长5天、10天。二孩、三孩家庭在中 心城区购买新建商品住房，分别可获2万元、4万元一次性购房补贴，且可与其他补贴叠加。 ...

据湖北日报， 荆门市近日发布完善生育支持政策体系措施，降低生育、养育、教育成本。该措施将于2026年1月1日起施行。 在生育成本减免上，有多项"真金白银"政策。比如，新婚夫妻可免费享婚前医学检查，备孕夫妻免费享孕前优生健康检查，荆门市户籍孕妇免费享无 创产前基因检测，新生儿免费享遗传代谢疾病筛查。 对需辅助生殖的家庭，人工授精最高补贴3000元，试管婴儿最高补贴10000元。 休假方面，生育二孩、三孩的职工，分别延长产假15天、30天，配偶 护理假分别延长5天、10天。二孩、三孩家庭在中心城区购买新建商品住房，分别可获2万元、4万元一次性购房补贴，且可与其他补贴叠加。 ...

Core Viewpoint - Jingmen City has announced a comprehensive set of measures to enhance its fertility support policy system, aimed at reducing the costs associated with childbirth, child-rearing, and education, effective from January 1, 2026 [1][5]. Group 1: Fertility Cost Reduction - New couples will receive free premarital medical examinations, and couples preparing for pregnancy will have access to free preconception health checks [1][5]. - Pregnant women with Jingmen residency will benefit from free non-invasive prenatal genetic testing, while newborns will receive free screening for hereditary metabolic diseases [1][5]. - Families requiring assisted reproductive technology will receive subsidies of up to 3,000 yuan for artificial insemination and up to 10,000 yuan for in vitro fertilization [1][5]. - Male employees participating in maternity insurance will have their unemployed spouses eligible for maternity medical expense benefits [1][5]. - The outpatient prenatal check-up benefit under maternity insurance will be increased to 1,000 yuan, and pain relief during childbirth and assisted reproductive services will be included in medical insurance coverage [1][5]. - Maternity benefits will be processed for immediate disbursement directly to female employees [1][5]. Group 2: Leave Policies - Employees giving birth to a second or third child will have their maternity leave extended by 15 days and 30 days, respectively, while partner caregiving leave will be extended by 5 days and 10 days [2][6]. Group 3: Child-Rearing and Education Support - Families with children under three years old who settle in Jingmen will receive a monthly childcare subsidy of 300 yuan, which will increase to 500 yuan for families with three children [2][6]. - Free preschool education will be implemented, eliminating fees for the final year of public kindergarten, and all fees for three-child families will be waived [2][6]. - Families with multiple children will benefit from the "long-young follow learning" policy, allowing second and third children to attend the same school [2][6]. Group 4: Housing Support - Families with two or three children purchasing new homes in urban areas will receive one-time housing subsidies of 20,000 yuan and 40,000 yuan, respectively, which can be combined with other subsidies [2][6]. - The maximum limit for housing provident fund loans will be increased by 20%, and the first home loan interest rate will apply to the purchase of second homes and beyond [2][6]. - Families with multiple children renting homes can withdraw from their provident fund based on actual rent expenses [2][6]. Group 5: Work Flexibility - Employers are encouraged to negotiate flexible work hours or leave arrangements, allowing for one hour of flexible work per day for families with children under 12, and to provide transportation convenience for these families [2][6]. Group 6: Population Growth - By the end of 2024, Jingmen's permanent population is projected to reach 2.5507 million, with an expected net population increase of 49,000 through industrial attraction and policy support, including 36,500 university students [2][6].

Core Viewpoint - The adjustment of the tax policy on contraceptives reflects a strategic shift in China's population policy from "controlling birth" to "encouraging birth" as the country faces declining birth rates and a need for supportive measures for families [1][3][11] Policy Background - The tax change is driven by two main factors: the significant change in population dynamics, with a projected negative natural growth rate in 2024 and a total fertility rate of only 1.2, necessitating encouragement for childbirth [3] - The reform aims to standardize the tax system, as the previous exemption was aligned with the old family planning policies, while the contraceptive market has grown to hundreds of billions, making tax exemptions unnecessary [3] Tax Details - The new 13% value-added tax (VAT) on contraceptives will effectively result in a price increase of only about 5% due to input tax deductions available to businesses, translating to a maximum increase of 2 yuan for a 20 yuan box of condoms [3] - The average additional annual expenditure for families is expected to be only a few dozen yuan, which is negligible compared to the costs associated with raising children [3] Accessibility of Contraceptives - Free distribution channels for contraceptives remain intact, allowing individuals to obtain them from community health service centers and maternal and child health hospitals, ensuring that low-income groups still have access to reproductive health resources [3] Economic Context - The financial burden of raising children is significantly higher than the additional costs incurred from the new tax, with average expected child-rearing costs reaching 487,000 yuan, and over a million in major cities [5] - Young adults face substantial economic pressures, with an average debt-to-income ratio of 58.3% for those under 30, making the minor increase in contraceptive costs insufficient to alter their reproductive decisions [5] Global Comparisons - International examples, such as Japan and India, demonstrate that reducing or eliminating contraceptive taxes did not lead to increased birth rates, indicating that the cost of contraception is not a primary factor in reproductive choices [6] Recommendations for Policy Improvement - To effectively enhance birth rates, comprehensive support policies are needed, including housing support, workplace protections, and educational reforms, rather than merely adjusting contraceptive costs [8][9] - Successful models from other countries, like Singapore, show that targeted financial incentives and support for working mothers can alleviate family burdens and improve employment security for women [9] Conclusion - The 13% tax on contraceptives symbolizes a shift in national population strategy, but it is crucial to recognize that improving birth rates requires addressing deeper systemic issues rather than simply increasing contraceptive costs [11]

Core Insights - In 2024, China's birth population stabilized at 9.54 million after seven consecutive years of decline, marking a significant turning point in the country's demographic trend [1][2][20] - The maternal and infant consumption market is expanding rapidly, projected to grow from 3 trillion yuan in 2018 to over 7.6 trillion yuan in 2024, and expected to approach 9 trillion yuan by 2027 [1][26] Policy and Support Measures - The Chinese government is implementing various supportive measures, including annual subsidies of 3,600 yuan for children under three years old starting in 2025, along with tax deductions for childcare and education [2][22] - The expansion of maternity insurance coverage to include flexible workers and migrant workers is part of the government's strategy to enhance support for families [2][22] Demographic Trends - The core demographic for pregnancy and childcare is aged 25 to 34, accounting for over 60% of the population, with a notable trend of late marriage and childbearing [2][4] - There is a significant gap between ideal and actual birth rates, with 64.53% of women desiring two children, but only 26.01% having achieved this [3][35] Regional and Generational Differences - Birth rates vary significantly by region, with first-tier cities showing a strong desire for second children, yet actual birth rates remain low [3][31] - Generation Z shows a preference for fewer children, with a higher inclination towards "child-free" lifestyles compared to older generations [3][36] Consumer Behavior and Preferences - The maternal and infant market is characterized by a shift towards rational consumer behavior, with safety, cost-effectiveness, and functionality being key considerations [8][9] - There is a growing reliance on digital platforms for information and services related to pregnancy and childcare, with over 67% of users depending on specialized maternal and infant apps [9][10] Economic Factors Influencing Birth Decisions - Economic stability is viewed as the primary factor influencing birth decisions, with 53.30% of women citing enhanced family economic strength as crucial [4][39] - The demand for government subsidies is particularly high among lower-tier city residents, while higher-tier city residents prioritize economic and service support [44][45]

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 ...