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济南工行以“普惠+养老”服务范式赋能银发经济
Qi Lu Wan Bao· 2025-09-26 07:26
据悉,济南清照医养有限公司办理的"泉融e贷",是工商银行依托济南市"泉融通"平台政务数据,政银联合创新的全线上、智能化普惠融资产品,客户只要 通过工行APP、线下等渠道一键授权,符合条件的客户即可线上秒批秒贷,为更多无抵押无担保的客户提供融资支持。 下一步,济南工行将继续主动担当、守正创新,以优质的普惠金融供给,精准滴灌养老产业高质量发展,推动济南市银发经济发展和老年友好型社会建设。 7 =1 P pic 1 2017 12 15 12 4 Career ather article 17 The Case 26,8 (VS A 7 r a 6 2017 53 s t 2 15 服务养老产业健康高质量发展,对国家经济、民生保障、社会稳定具有重要意义。为支持济南市养老产业发展,在人民银行等监管部门精准指导下,工商银 行济南分行拓宽政银数据合作路径,创新普惠金融供给模式,积极打造"普惠+养老"融合发展的新样板。 济南章丘区双山街道杨胡村委西邻,有一家建筑面积2.7万平、养老床位700张的养老机构——济南清照医养有限公司(以下简称"清照医养")。清照医养功 能定位于"医养结合",是一家集养老护理、康复医疗、健康养生、 ...
第四届国际熊猫消费节启幕 四川将发放4亿元消费券
Xin Hua Cai Jing· 2025-09-26 06:33
启动活动后,四川将陆续举办12个标杆IP活动。此外,世界川菜大会、云上熊猫消费节、"双城追月计 划"国庆中秋促消费、体育旅游休闲消费季、川渝老字号惠民嘉年华等重点活动也将陆续开展。 本次熊猫消费节以"蜀里安逸·遇见美好"为主题,聚焦"首发经济、夜间经济、假日经济、银发经济、赛 事经济",让国内外消费者更好感受四川消费市场的蓬勃活力,活动将持续至11月30日。 (文章来源:新华财经) 新华财经成都9月26日电 25日晚,由商务部和四川省人民政府共同举办,四川省商务厅与各市(州)人 民政府承办的"购在中国·四川站"暨第四届中国(四川)国际熊猫消费节在成都启幕。"蜀里安逸"消费 大礼包在启动仪式上正式亮相,四川省将统筹4亿元资金发放"蜀里安逸"餐饮、川酒川茶、入川游、自 驾318等消费券,并广泛发动商协会、经营主体参与,配合开展送券、满减、打折等促销优惠,让利规 模超过10亿元。 现场,四川省商务厅发布了40个2025年"蜀里安逸"消费新场景,涵盖"潮品乐购""不夜天府""味美四 川""乐游蜀地""悦动健康"五大类别,包括宜宾E·PARK宜公园、达州花仙谷等具有代表性的消费场景, 为消费者献上一份兼具引领性与实用性 ...
20万亿的银发经济,为何跑不出一个“阳光下的巨头”?
Xin Lang Cai Jing· 2025-09-26 05:24
Group 1: Company Overview - The company "足力健" (Zulijian) transitioned from a focus on elderly shoes to organic food, opening over 30 organic food member stores in Zhengzhou since May 2023 [1] - The brand was founded in 2014 by Zhang Jingkang, who identified a gap in the market for shoes suitable for the elderly, leading to the development of specialized footwear [2][3] - By 2018, the company's revenue reached 1.8 billion yuan, a 30-fold increase from the previous year, and by 2019, revenue hit 4 billion yuan with around 5,000 stores nationwide [3][4] Group 2: Challenges and Decline - The company faced significant challenges starting in 2019, including product quality issues that led to regulatory scrutiny and a decline in consumer trust [4][5] - The COVID-19 pandemic severely impacted sales, resulting in many store closures and financial difficulties, with the company reportedly using 70%-80% of its annual revenue to pay off debts [4][5] - As of 2024, the company still has approximately 700 million yuan in debt, and its reputation has suffered due to past quality control failures [4][5] Group 3: Market Context - The silver economy in China is expanding, with over 300 million people aged 60 and above, representing 22% of the population, and the market size estimated at around 7 trillion yuan [6][7] - Despite the growth potential, the market is fragmented, with significant disparities in income among the elderly population, complicating the landscape for companies targeting this demographic [8][9] - The elderly consumer market is characterized by a high savings rate but also a significant portion of low-income individuals, leading to mismatches in supply and demand for products and services [8][9] Group 4: Industry Trends - The rapid growth of the elderly population has led to increased interest in the silver economy, but the market lacks dominant players, with many smaller companies emerging [6][7] - The healthcare and wellness sectors are seeing growth due to the aging population, but the market is also crowded with low-quality products and misleading marketing practices [10][11] - Complaints about health products targeting the elderly have surged, with over 70% of complaints related to false advertising, indicating a need for better regulation and consumer protection [12]
西麦食品(002956):深耕燕麦核心赛道,健康消费红利下迎增长新周期
Guotou Securities· 2025-09-26 05:15
2025 年 09 月 26 日 西麦食品(002956.SZ) 深耕燕麦核心赛道,健康消费红利下迎 增长新周期 西麦食品:燕麦行业标杆品牌 西麦食品公司于 1994 年创立,专注于以燕麦为代表的健康谷物食品 的研发、生产、销售,并于 2019 年成功登陆深交所,成为"燕麦第 一股"。公司治理上,西麦食品为家族企业,合计持股超 50%股权,股 权结构清晰,管理层结构稳定;股权激励计划绑定核心团队,为公司 继续扩张留足后劲。 燕麦行业渗透率较低,提升空间显著 本报告版权属于国投证券股份有限公司,各项声明请参见报告尾页。 1 中国燕麦行业规模保持稳健增长,2024 年行业规模达 101.34 亿元, 其中冲泡燕麦占比 68.6%,即食燕麦占 31.4%,但与全球市场相比人 均消费仍处于洼地,提升空间显著。需求端,我国人口规模庞大,银 发经济+健康需求推动行业进一步发展,政策出台保驾护航;供给端, 2024 年我国燕麦行业 CR3、CR10 分别达 51.9%、76.1%,行业集中度 呈持续提升态势,其中西麦受益于产品本土化与渠道下沉策略,以 26%的市占率稳居国产龙头地位;桂格(18.2%)强调"科学营养"概 念 ...
4亿元“蜀里安逸”消费大礼包等你来领
Sou Hu Cai Jing· 2025-09-26 04:31
位于成都主会场的熊猫消费嘉年华活动现场。四川省商务厅供图 9月25日晚,以"蜀里安逸·遇见美好"为主题的"购在中国·四川站"暨第四届中国(四川)国际熊猫消费节在 成都盛大启幕。 本次活动由商务部和四川省人民政府共同主办,四川省商务厅与各市(州)人民政府承办,在成都市设立 主会场、举办启动活动,在宜宾市、达州市设立分会场,构建形成举办1场启动活动,集中开展12个标 杆IP活动,在全省范围全面铺开促消费配套活动的"1+12+N"的梯度活动框架。消费节聚焦"首发经济、 夜间经济、假日经济、银发经济、赛事经济"等,突出国际化、品质化、绿色化导向,让国内外消费者 更好感受四川消费市场的蓬勃活力。活动将从9月25日持续至11月30日。 40个消费新场景发布 启动活动上,四川省商务厅发布了40个2025年"蜀里安逸"消费新场景,涵盖"潮品乐购""不夜天府""味 美四川""乐游蜀地""悦动健康"五大类别,包括成都SKP、宜宾E·PARK宜公园、达州花仙谷等具有代表 性的消费场景,为消费者献上一份兼具引领性与实用性的"消费打卡地图"。 如果你正在为国庆、中秋去哪游玩而发愁,欢迎在"蜀里安逸"消费新场景中乐享美好时光、沉浸式感受 ...
奥佳华:“基于中医穴位理论的智能推拿机器人”项目顺利通过验收
Cai Jing Wang· 2025-09-26 03:59
Core Insights - The company is focusing on innovation-driven strategies in the "AI + health" sector, emphasizing long-term investment and market service [1] - The company has successfully passed the acceptance of a project for an "intelligent massage robot based on traditional Chinese medicine acupoint theory," which was approved by the Xiamen Science and Technology Bureau [1] - The company is establishing a "National Postdoctoral Research Station" and a "National Enterprise Technology Center" in collaboration with the "Chinese Academy of Sciences Haixi Research Institute" to develop core technologies for intelligent health service robots [1] - The company's product offerings include health massage products (massage chairs, small massage appliances) and health environment products (fresh air systems, air purifiers) [1] Financial Performance - In the first half of 2025, the company achieved revenue of 2.327 billion yuan, representing a year-on-year growth of 5.65% [1] - The company reported a net profit attributable to shareholders of 27 million yuan, with a year-on-year increase of 14.01% [1]
华大基因进军银发经济,以“检测+AI”解码健康新范式
Jing Ji Guan Cha Wang· 2025-09-26 03:27
Core Insights - The Chinese gene testing industry is experiencing a shift from reproductive health to the "silver economy," driven by structural changes in the newborn population and an increasing elderly demographic [2][3] - BGI Genomics is strategically pivoting towards the silver economy, addressing a significant market gap in health management for the aging population [2][4] Market Size and Demand - By the end of 2024, the population aged 60 and above in China is projected to reach 310 million, with the silver economy market size estimated at approximately 7 trillion yuan in 2023, potentially growing to 19 trillion yuan by 2035 [3] - The focus of this market is shifting from traditional elder care to proactive health management, driven by a new generation of elderly consumers who are tech-savvy and financially capable [4][5] Structural Discrepancies in Healthcare - The traditional healthcare system has been centered on treatment rather than prevention, which is inadequate for managing chronic diseases prevalent among the elderly [5][6] - There is a growing demand for early risk warning systems and personalized management plans to enhance the quality of life for the aging population [5][7] Consumer Behavior - The market's payers include not only the elderly but also their adult children, who are increasingly purchasing digital health management services to care for their parents from a distance [6][7] BGI Genomics' Strategy - BGI Genomics is implementing a dual approach of "precise chronic disease management products" and "intelligent health management tools" to support proactive health management [9][14] - The company is focusing on high-incidence diseases among the elderly, such as Alzheimer's and cardiovascular diseases, with innovative testing solutions [10][11] Health Management Tools - The "i99 Smart Health" system by BGI Genomics serves as a health data translator and personal health advisor, providing understandable health management reports and actionable recommendations [12][13] - This system leverages extensive databases and AI capabilities to ensure that health advice is data-driven and scientifically supported [13][14] Overall Objective - The ultimate goal of BGI Genomics' strategy is to empower the elderly and their families with control over health management, transitioning from reactive to proactive care [16]
第四届中国(四川)国际熊猫消费节来了! 4亿元消费券 12大IP活动 邀你遇见美好
Si Chuan Ri Bao· 2025-09-26 02:59
9月25日晚,由商务部和四川省人民政府共同举办,四川省商务厅与各市(州)人民政府承办的"购在中国·四 川站"暨第四届中国(四川)国际熊猫消费节在成都启动。 ●全省将陆续举办12个标杆IP活动,统筹4亿元资金发放消费券,开展促销优惠 自驾消费券 ●首次针对318国道推出自驾专项消费券,可在318国道沿途指定充电桩、餐饮门店使用 消费新场景 ●发布40个2025年"蜀里安逸"消费新场景,涵盖"潮品乐购""不夜天府""味美四川""乐游蜀地""悦动健康"五 大类别 熊猫消费节启动仪式现场。记者 吴聃 摄 4亿元消费券 启动活动后,全省将陆续举办12个标杆IP活动。作为本届熊猫消费节第一个亮相的IP活动,"2025慕尼黑啤酒 天府狂欢周"将于9月26日至10月8日在成都东郊记忆主会场,宽窄巷子、春熙路、悠方广场、铁像寺水街、天府农 业博览园等5个分会场同步举行。此外,成渝双城消费节、世界川菜大会、云上熊猫消费节、"双城追月计划"国庆 中秋促消费、体育旅游休闲消费季、川渝老字号惠民嘉年华等其他重点活动也将陆续开展。(记者 陈碧红) 本届熊猫消费节以"蜀里安逸·遇见美好"为主题,构建"1+12+N"活动总体框架,包括1个启 ...
暖“夕阳”,护“朝阳”,一老一小消费忙
Sou Hu Cai Jing· 2025-09-26 00:15
Group 1: Silver Economy and Consumer Trends - The "silver economy" is a significant driver for improving livelihoods and transforming consumption patterns, with over 310 million people aged 60 and above in China, leading to a booming market for senior services [2] - The silver economy is projected to exceed 30 trillion yuan by 2035, indicating substantial growth potential in this sector [2] - Recent policies aim to enhance service supply for the elderly, focusing on training for caregivers and supporting the construction of facilities in culture, tourism, and healthcare [2] Group 2: Innovations in Elderly Services - Various regions are implementing tailored strategies to improve elderly service offerings, such as Zhejiang's encouragement of professional elderly care institutions and Henan's development of smart elderly service networks [2] - Private enterprises are also adapting to the needs of the elderly, with Didi Chuxing launching a "Didi Senior Version" app to facilitate easier transportation for older users [2][3] Group 3: Childcare Services and Market Potential - The childcare market is expanding, with nearly 30 million children under three years old in China, and policies are being introduced to strengthen the inclusive childcare service system [4] - Community-based childcare services are being developed, such as the "Baby House" initiative in Yinchuan, which provides embedded childcare services for families with young children [5] Group 4: Policy Support and Future Directions - The government is focusing on enhancing both supply and demand for childcare services, promoting community-based and family-oriented childcare solutions [6] - Recent initiatives aim to create a comprehensive "15-minute convenience living circle" that caters to both elderly and childcare services, reflecting a shift towards a more inclusive consumer landscape [6]
持续拉动内需 “银发旅游”渐成服务消费升级新蓝海
Zheng Quan Ri Bao· 2025-09-25 23:20
近年来,随着居民生活水平稳步提高,消费观念逐渐转变,像史阿姨这样踏上旅途的"银发背包客"正日 益增多。据中国旅游研究院(文化和旅游部数据中心)测算,截至"十四五"末,我国出游率较高、旅游消 费较多的低龄健康老年人将超过1亿人。 与此同时,政策持续加力推动银发经济发展,自《中共中央 国务院关于深化养老服务改革发展的意 见》发布以来,年内多项政策指向解决银发群体急难愁盼问题。例如,商务部、国铁集团等九单位印发 《关于增开银发旅游列车 促进服务消费发展的行动计划》(以下简称《行动计划》)指出,"扩大服务供 给,积极培育服务消费新增长点,更好满足银发群体旅游服务需求"。 随着政策落地显效,文旅产业与银发经济的融合发展趋势日益显著,"有钱、有闲、有精力"的银发群 体,渐渐成为推动我国旅游市场复苏的重要力量。为进一步释放银发旅游消费需求,近年来,政策面的 支持力度也在不断升级。《证券日报》记者在近日新疆行的调研中深切感受到,银发旅游不再局限 于"老年人出去玩",而是正在成为服务消费扩容升级的新蓝海,也成为释放内需潜力的生动体现。 银发旅游"新"图景 当最后一缕夕阳沉入帕米尔高原,喀什古城的夜也从一盏盏铜灯里"苏醒"过来。 ...