随着人口老龄化程度的加深，银发经济正在迎来黄金时代，有望成为推动国内经济高质量发展的新支柱。 与此同时，如何促进和发展银发经济，成为电商行业正在思考的新课题。 在近日举行的2025首届长沙银发产业博览会上，梦饷科技高级副总裁钱东清以"私域生态赋能银发经济，构 建老年友好消费新场景"为主题发表主旨演讲，深入剖析银发经济带来的巨大市场机遇，并以梦饷科技的创 新实践为例，阐述了私域电商助力银发经济的创新探索。 作为私域电商行业的创新者，多年来梦饷科技持续关注银发人群，努力打造银发友好型电商生态。 钱东清介绍，在发展银发经济的创新实践中，梦饷科技依托覆盖全国的百万级私域团长网络和成熟的供应 链体系，构建了"品牌直供+团长赋能+精准触达"的私域服务模式。 4 亿银发群体催生电商新机遇 据预测，到2035年，我国老年人口将达4亿，银发经济规模有望占GDP比重超10%，成为推动高质量发展的 新引擎。在此背景下，如何构建真正"适老"的消费与服务生态，成为行业亟待破解的关键命题。 钱东清指出，银发经济正催生八大核心机会点：健康医疗、适老化家居、养老服务、智能养老设备、银发 零售、老年教育、老年旅游及银发金融。 在零售市场地位上 ...

记者从人力资源社会保障部了解到，今年以来，国家持续拓宽农民工群体就业渠道，通过订单式培训提升务工人员就业能力。目前全国已形成2300多个劳务 品牌，带动就业近6000万人次。 今年，国家扩大养老、托育、家政等服务业就业模式，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，目前，全国劳务品牌超过2300个，带动就业近6000万人，南粤家政、甘肃兰州拉面师等劳务品牌带动创业就业超过百万人次。 与此同时，各地围绕吸纳农民工就业能力强的产业，广泛开展建筑、维修、家政、餐饮、物流、新职业新业态等相关职业技能培训，组织区域间的订单、定 向、定岗劳务协作。人力资源社会保障部数据显示，"十四五"期间，累计已有超3100万人次的农民工接受补贴性职业技能培训。 特色产业蓬勃发展 家门口有了新岗位 过去，离开家乡外出务工是农民工群体的主要就业方式，如今，随着一二三产业融合，农村特色产业蓬勃发展，不少老乡在家门口也能找到新的就业机会。 今年29岁的周玲玲，在四川达州万源市的一家食品加工厂工作，每天午休铃一响，她就攥着工牌往家赶。步行十分钟跨进家门，转身扎进厨房为家中老人做 饭。 万源 ...

银发经济的核心是"适老"。如果把银发经济看作一棵大树，那么维护和增进老年人权益就是根系。繁 荣、健康、可持续的银发经济，必然建立在不断提升老年人获得感、幸福感、安全感的基础之上。比 如，产品服务应结合老年人的实际需求进行设计和开发，并尊重老年人的消费自主权。再如，无论是工 作场所还是公共设施、数字服务，都需要推进适老化改造。实打实以用户思维为导向，探索"养老+"跨 界融合，银发经济才能以新供给满足新需求，开辟更广阔的发展天地。 发展银发经济，加强人才队伍建设是首要任务。以养老服务行业为例，中国老龄科学研究中心发布的报 告显示，我国对养老护理员的需求达到600万名，但目前相关从业人员只有50万名。养老机构普遍面临 招工难、留人难，养老人才队伍存在数量少、技能弱等现实问题。"懂老"才能"为老"，银发经济的蓬勃 发展，离不开专业人才。推进产教深度融合，打通职业上升通道，聚集更多人才的银发产业，未来机遇 无限、空间无限。 老年群体获取信息较慢、维权能力较弱，很容易成为商业欺诈、误导消费的目标。以能治疗常见病为噱 头哄骗老年人购买高价"保健品"，以小额返利诱骗老年人加入虚假投资平台，以"低价团"或"免费游"为 幌子向老 ...

虽然10月份工业、消费、投资等数据出现回落，但其中也不乏一些结构性亮点。 国家统计局新闻发言人付凌晖于14日表示，经济运行还面临不少风险挑战，但我国经济长期向好的支撑条件和基本趋势没有变化，宏观政策持续发力，市场 空间逐步拓展，新质生产力培育壮大，实现全年预期目标具备较多有利条件。 从生产端来看，10月规上工业增加值同比实际增长4.9%，增速较上月大幅放缓1.6个百分点。其中，新兴产业发展壮大，引领支撑作用日益增强。1～10月 份，规模以上数字产业制造业增加值同比增长9.5%，智能设备制造、电子元器件及设备制造行业增加值分别增长11.1%和12.3%。付凌晖指出，还要看到， 新能源、新材料、航空航天、低空经济等发展潜力巨大，量子科技、生物制造、具身智能等前景广阔，未来有望成为新兴支柱产业，将有力支撑新动能发展 壮大。 从需求端来看，1～10月份，社会消费品零售总额同比增长4.3%，服务零售额增长5.3%。服务消费增长日益成为居民消费的重要增长点。 从新兴消费看，数字消费和绿色消费持续壮大，有力促进消费增长。1～10月份，全国网上零售额同比增长9.6%，即时零售交易额和直播电商交易额均保持 两位数增长。此外，我 ...

Core Insights - The modern service industry in Lianshui has shown a stable and positive development trend since the "14th Five-Year Plan," with steady expansion in total scale and continuous improvement in service supply capacity [1][7] Economic Growth and Service Industry Performance - The added value of the service industry in Lianshui has steadily increased from 25.356 billion to 34.725 billion by 2024, with an average annual growth rate of 8.18% [2] - The total retail sales of consumer goods are projected to reach 24.949 billion in 2024, reflecting a year-on-year growth of 5.1%, which has driven rapid revenue growth in the regulated service industry, with a projected revenue of 2.774 billion, up 25.7% year-on-year [2] Infrastructure and Market Dynamics - Lianshui's strategic location and integrated transportation network have effectively reduced operational costs and improved supply chain efficiency, fostering the development of modern commerce and service industries [3] - As of July 2025, the number of service enterprises in Lianshui reached 14,003, an increase of 115 from 2020, with significant growth in key sectors such as information transmission and technology services [3] Logistics and Financial Services - By the end of 2024, Lianshui established a comprehensive logistics service system with 4 county-level logistics centers and 366 village-level logistics points, achieving 100% coverage [4] - Financial services have been tailored to meet the needs of production service enterprises, with loans to the liquor industry reaching 354 million by June 2025, alleviating financial pressures [4] Quality of Life and Service Upgrades - Lianshui has successfully developed tourism attractions, enhancing visitor appeal and promoting cultural activities, which contribute to the local economy [6] - The elderly care services have been innovated to provide convenient dining and community support, with 20 mutual aid points and 5 community dining points established [6] Future Development Focus - Moving forward, Lianshui aims to leverage its geographical advantages and industrial foundation to enhance the digitalization, high-end, and integrated transformation of the service industry, continuously stimulating market vitality and development potential [7]

Group 1 - The core of the silver economy includes "for the elderly economy," "preparation for the elderly economy," and "utilizing the elderly economy," which helps to better explore the potential of the silver economy [1][2] - By 2050, the market size for the consumption of the elderly population aged 60 and above in China is expected to exceed 100 trillion yuan [1] - The "14th Five-Year Plan" emphasizes the development of the silver economy and the active utilization of elderly human resources, providing direction for industrial innovation and market development [1] Group 2 - The silver economy must focus on "age-appropriate" services, enhancing the rights and interests of the elderly, and ensuring their sense of gain, happiness, and security [2] - There is a significant demand for elderly care workers, with a reported need for 6 million positions, while only 500,000 are currently filled, highlighting a skills gap in the workforce [2] - The development of the silver economy requires a deep integration of industry and education to attract more talent and address the challenges in the elderly care sector [2] Group 3 - The elderly are vulnerable to commercial fraud and misleading consumption, facing challenges such as high-priced health products and deceptive investment schemes [3] - Establishing protective measures, such as "green channels" for consumer rights and consumer warning lists, is essential to maintain market order and consumer confidence [3] - A collaborative effort is needed to create a "Protect the Elderly Alliance" to ensure the well-being of the elderly and promote a thriving silver economy [3]

如何让每个人在变老后仍能找到存在的意义，这是老龄化时代留给人类文明的终极考题。在养老引发的跨越代际的社会转型中，每个人都将成为生活的重 构者。 "银发浪潮"，正在改写你我的生活。 数据显示，截至2024年年底，中国 60岁及以上人口 3.1亿人，65 岁及以上人口2.2亿人，占总人口的比重分别为 22%、15.6%，已进入中度老龄化阶段。到 2035 年，中国老年人口数量将超过 4 亿人。 3月23日， 在中国发展高层论坛2025年年会上，民政部副部长唐承沛在演讲时提到，中国老年人口规模已超过世界上绝大多数国家人口总量。未来10年 内，60岁及以上的老年人口将每年净增超过1000万人。 可见，我国正在经历一次规模大、速度快、持续时间长的老龄化进程。 退休不是人生的休止符，而是第二人生的起点，越发具象的生活命题让我们看到，"老龄化"绝非只是统计表格中的数字增长，而是与每个家庭息息相关的 生活必答题。 我们谈论养老，并非想要贩卖焦虑，而是当这件事无法避免地发生在我们的父辈甚至自己身上时，我们可以提供一种生活重构的可能性。这也让我们思 考，应该如何让"老龄化"从现实的社会压力转化为让人重新认识和开发自己的契机，成为 ...

Group 1 - The core concept of the silver economy includes "for the elderly economy," "preparation for the elderly economy," and "utilization of the elderly economy," which helps to better explore the potential of the silver economy [1][2] - By 2050, the market size for the consumption of the elderly population aged 60 and above in China is expected to exceed 100 trillion yuan [1] - The "14th Five-Year Plan" emphasizes the development of the silver economy and the active utilization of elderly human resources, providing direction for industrial innovation and market development [1] Group 2 - The foundation of a prosperous and sustainable silver economy is the enhancement of elderly people's sense of gain, happiness, and security, with a focus on user-oriented design and development of products and services [2] - There is a significant demand for elderly care workers, with a reported need for 6 million positions, while only 500,000 are currently filled, highlighting the challenges in the talent pool for the silver economy [2] - The integration of education and industry is crucial for attracting more talent to the silver economy, which presents unlimited future opportunities and space for growth [2] Group 3 - Elderly individuals are often targets of commercial fraud and misleading consumption due to their slower information acquisition and weaker rights protection [3] - Establishing protective measures such as "green channels" for elderly consumer rights and regular crackdowns on fraud is essential for maintaining market order and consumer confidence [3] - A collaborative effort to create a "Protect the Elderly Alliance" is necessary to ensure the well-being of the elderly population and to invigorate the silver economy [3]

中国数实融合50人论坛智库专家洪勇向《证券日报》记者表示，供需适配指的是供给与需求之间在结 构、质量、效率等方面的动态匹配，其核心在于通过精准、优质的供给来满足多元化、个性化的消费需 求，从而形成"需求牵引供给、供给创造需求"的良性循环。 上述会议提出，要以消费升级引领产业升级，以优质供给更好满足多元需求，实现供需更高水平动态平 衡。要加快新技术新模式创新应用，强化人工智能融合赋能，聚焦重点行业、重点领域开发新产品和增 值服务，持续拓展新的消费增量。要积极支持企业扩大特色、高品质消费品供给，加快安全、性能、绿 色等标准更新升级，完善认证体系。要围绕细分市场精准匹配不同人群需求，发展一批柔性制造工厂， 推动生产高效响应消费者个性化需要。要培育消费新场景新业态，丰富消费金融产品和服务，营造良好 消费环境。 11月14日召开的国务院常务会议，部署增强消费品供需适配性进一步促进消费政策措施。会议指出，增 强供需适配性是进一步释放消费潜力、畅通经济循环的有效举措。 朱克力认为，消费市场不是简单的买卖关系，而是消费者用脚投票的动态过程。围绕细分市场精准匹配 需求，本质是消费升级背景下的产业变革。当生产端能高效响应个性化需 ...

Economic Overview - The slowdown in external demand, weakened domestic momentum, and high base effects from the previous year have led to fluctuations in major economic indicators since the fourth quarter, necessitating an increase in macroeconomic policy support [1] - In October, the industrial added value above designated size grew by 4.9% year-on-year, a decrease of 1.6 percentage points from September; retail sales of consumer goods increased by 2.9%, slightly down by 0.1 percentage points from September; fixed asset investment (excluding rural households) totaled 408.914 billion yuan, down 1.7% year-on-year [1] Policy Measures - The State Council, led by Premier Li Qiang, held a meeting to discuss the implementation of "two major" constructions, focusing on enhancing the adaptability of supply and demand in consumer goods and promoting consumption policies [1][6] - The meeting emphasized the need to rationally arrange project construction and fund disbursement, strengthen project and fund matching, and encourage more private capital participation [1][6] Consumption Trends - Despite a decline in industrial, consumption, and investment data in October, there are structural highlights, particularly in service consumption, which has become an important growth point [3] - From January to October, retail sales of consumer goods increased by 4.3%, with service retail sales growing by 5.3% [3] Investment Insights - Fixed asset investment (excluding rural households) saw a year-on-year decline of 1.7%, with private fixed asset investment down by 4.5% [4] - The slowdown in investment growth is attributed to various factors, including a complex external environment, fierce domestic market competition, and weak corporate profitability [4][5] - Investment in infrastructure, manufacturing, and real estate has decelerated significantly, leading to a rare cumulative year-on-year negative value for two consecutive months [4][7] Emerging Consumption - Digital and green consumption are expanding, significantly contributing to consumption growth, with online retail sales increasing by 9.6% year-on-year [4] - The ongoing upgrade in consumption structure is creating new opportunities in sectors like cultural tourism and healthcare, alongside the rapid development of the silver economy and first-time economy [4] "Two Major" Construction - The "two major" construction initiative is positioned as a key driver for effective investment and the cultivation of new productive forces, with a planned investment of 800 billion yuan for 1,459 projects by 2025 [6][7] - This initiative aims to enhance strategic and safety capabilities in key areas, including ecological restoration and major infrastructure projects [6][7] Supply and Demand Adaptability - Enhancing supply and demand adaptability is crucial for releasing consumption potential and facilitating economic circulation [8] - The focus is shifting from merely stimulating consumption to achieving a dynamic balance and positive interaction between supply and demand [8][9]