记者 王海燕 截至2024年底，上海市60岁及以上户籍老年人口为577.62万人，占户籍总人口的37.6%。 老龄化浪潮下，如何激活老年人力资源，如何完善意定监护制度，如何让老龄化社会从挑战转化为 机遇？昨天，上海市老年基金会、上海工商界爱国建设特种基金会举行"积极老龄观，健康老龄化"主题 座谈会，来自经济、法律、城市规划等领域的专家学者共同探讨老龄化社会的应对之策。 补齐涉老制度短板 "中国有绵延千年的孝老、敬老、尊老传统，源于丰厚的家文化。"复旦大学特聘教授、老龄研究员 副院长胡湛认为，中国式养老是一个科学问题，也是一个文化命题、话语权议题和重大治理主题，应加 快构建自主知识体系、强化家庭建设以赋能赋意、凝练中国概念与全球对话。他认为，在中国式养老的 建构发展中，应尽快在涉老制度建设中补齐法律法规短板，建议近期加快论证启动重点领域立法进程， 如老年监护制度、老年人社会优待政策、老年友好型城市建设标准等。 近期，46岁独身蒋女士去世后因无近亲属引发的遗产与身后事难题受到关注，也让许多老年人开始 重视意定监护制度。市人大社会建设委员会副主任委员张婷婷说，上海是我国较早探索意定监护的城市 之一，去年市人大常委会 ...

一碗汤，从子女家端到父母家，温度刚好。这看似简单的距离，却丈量着中国家庭最朴素的亲情。然而 在当今社会，这"一碗汤的距离"成了许多家庭的难题——同住容易产生摩擦，分住又难解牵挂。 （来源：中国改革报） 转自：中国改革报 □ 谢代文 在福建省厦门市翔安区，一种名为"代际共居"的养老新范式正在悄然破题。来自西安的孙阿姨夫妇因儿 子在厦工作，选择入住颐和五星家园康养社区。"孩子放心，我们住得也舒心。"孙阿姨的感慨道出了许 多家庭的心声。而来自台湾的宋叔叔一次不慎摔倒时，床头的紧急呼叫系统让管家三分钟内赶到现场， 这条"救命绳"让他真切感受到了安全感。 这些日常片段，折射出翔安区对养老这一社会课题的深层思考。这不仅是居住形式的创新，更是一场深 嵌于土地、资本、治理与家庭伦理的改革探索，让老年人从基本的"老有所养"迈向有品质的"幸福享 老"。 "银发浪潮"的养老困局与翔安破题 随着我国"银发浪潮"的到来，"空巢之痛"与代际疏离，正成为无数家庭难以言说的隐痛。 面对这一现实，翔安区以系统化改革破题，将构建多层次养老服务体系提上重要议程。"我们推动'代际 共居'，旨在破解三大痛点：老年人的社会隔离与精神孤独、年轻人的住房压 ...

Core Viewpoint - The "Chinese-style elderly care" is transitioning from merely existing to focusing on quality, with 90% of elderly individuals in China opting for a "stay-at-home" care model, making "housekeeper services" a key solution to address elderly care challenges [1] Group 1 - The report highlights a significant shift in elderly care preferences in China, emphasizing the importance of quality in home-based care services [1] - A special survey conducted by 21st Century Business Herald in collaboration with the China Quality Certification Center aims to gather insights and strategies for building a high-quality home elderly care service system [1] - The involvement of industry experts in discussions indicates a collective effort to enhance the standards and effectiveness of elderly care services in China [1]

如何在现代养老体系中安放这份独特的"家文化"，成为破解养老焦虑的关键。大家保险在探索中给出了 解决方案——"城心养老"模式。这一模式的核心是让长者不离熟悉的生活圈，维持原有的社会联结，在 繁华烟火中继续与时代同频。而"一碗汤的距离"意味着亲情随时可抵达的便利，也意味着两代人彼此尊 重、适度独立的相处智慧。 《中国城市商业养老白皮书2026》数据与调研表明，现代养老的核心已不仅是增加床位或提供服务，而 是在构建一种融合安全感、归属感与尊严感的全新生活方式——让长寿成为一个可规划的丰盈阶段， 让"家"的概念超越物理空间，在专业的服务支撑下拓展为更自在、更有温度的生命共同体。这一趋势背 后，是险养融合模式的系统逻辑：用金融工具稳健地规划未来，用专业服务温暖地支持当下。它不仅是 商业路径的创新，更是理念的持续实践，其本质始终围绕着"人"的需求与"家"的延续。 中国式养老的实践探索正在呈现多元化发展趋势。除了"城心养老"模式，各地还涌现出社区嵌入式养 老、互助养老、旅居养老等多种创新形式。这些探索虽然形式各异，但都贯穿着一个共同理念：在尊重 长者自主权的同时，维护家庭的情感联结。研究显示，那些注重代际互动、家庭联结的养 ...

"十五五"规划建议提出，"积极应对人口老龄化，健全养老事业和产业协同发展政策机制"。国家卫生健 康委数据显示，2035年我国60岁以上人口将突破4亿，占比超30%，养老问题正成为关乎国计民生的"时 代命题"。 从2023年中央金融工作会议将养老金融列为金融高质量发展"五篇大文章"之一，到2024年《关于金融支 持中国式养老事业服务银发经济高质量发展的指导意见》印发，国家对养老事业和养老金融的重视程度 空前。破解"中国式养老"这道难题，金融行业重任在肩，信托作为金融行业的组成部分，该如何做？ 从"老有所养"到"老有所享"的晚年品质保障 信托解决了张女士的顾虑，通过结构化定向分配，让财富跟着人生阶段走，也保障了自己和爱人的长远 生活质量。 "虽然初始规模为5040万元，但结合保单的分红收益，未来信托产生的现金流预计将达到1.1亿元，加上 张女士计划后续追加资产，这份保障的分量还会不断上升。"上述负责人介绍，张女士通过养老信托自 主设立条款，覆盖了居家养老的衣食住行基本需求、品质消费及机构养老费用。另外，专业机构规范化 管理，破解资金非本人直接掌控的不确定性，筑牢养老财务保障。 现在，我国中等收入群体越来越大，老年 ...

"十五五"规划建议提出，"积极应对人口老龄化，健全养老事业和产业协同发展政策机制"。国家卫 生健康委数据显示，2035年我国60岁以上人口将突破4亿，占比超30%，养老问题正成为关乎国计民生 的"时代命题"。 从2023年中央金融工作会议将养老金融列为金融高质量发展"五篇大文章"之一，到2024年《关于金 融支持中国式养老事业服务银发经济高质量发展的指导意见》印发，国家对养老事业和养老金融的重视 程度空前。破解"中国式养老"这道难题，金融行业重任在肩，信托作为金融行业的组成部分，该如何 做？ 从"老有所养"到"老有所享"的晚年品质保障 "把自己的养老安排妥帖，把财富的规矩立好，才是对全家最稳的保障。"张女士（化名）刚签署完 信托文件，语气里藏着卸下重担的从容。这份由她和先生同时作为委托人共同设立的家族信托，总规模 达5040万元，而这份信托的设立也为这个家庭筑起了一道跨越两代人的财富"安全网"。 张女士的考虑是许多高净值家庭的缩影。据提供信托服务的昆仑信托相关工作人员介绍，除了资产 隔离、财富传承等考虑外，张女士设立信托的目的也与养老有关。年过50的她经营着一家企业，事业蒸 蒸日上，却也被心事牵绊，如子女未来 ...

Core Viewpoint - The article emphasizes the necessity of proactive planning for elderly care, highlighting the changing dynamics of aging populations and the importance of integrating financial and service solutions for sustainable retirement living [2][5][10]. Group 1: Generational Differences - The current elderly population has different needs compared to previous generations, focusing on quality of life, health management, and personal fulfillment rather than just basic needs [5][8]. - By 2024, the average life expectancy in China is projected to reach 79 years, reflecting significant improvements in living conditions and health status for the elderly [6][8]. Group 2: Population Structure Changes - By the end of 2024, the population aged 60 and above in China is expected to reach 310 million, accounting for 22% of the total population, with a rapid increase in the elderly demographic anticipated until 2035 [10][13]. - The aging population is compounded by declining birth rates, with only 9.02 million births in 2023, a decrease of approximately 40% from five years prior [13]. Group 3: Pain Points and Service Gaps - Current elderly care products and services exhibit significant limitations, including inflexible pension plans, low transparency in community services, and high barriers to digital health solutions [16][18]. - A survey indicates that over 80% of the pre-retirement population (ages 45-60) have not completed their retirement savings, primarily relying on bank deposits [18][19]. Group 4: Trust as a Key Solution - Trusts are emerging as a viable tool for elderly care, offering long-term financial management and service integration that traditional products cannot provide [21][22]. - Trusts can consolidate assets from various channels, ensuring funds are used according to predetermined rules, thus safeguarding against misuse and ensuring continuity in care [22][23]. Group 5: Market Response and Innovations - Ping An Trust is responding to the evolving market by integrating insurance, trust, and elderly care services into a comprehensive solution, aiming to create a seamless connection between financial resources and care services [25][27]. - The new model includes features such as asset isolation for financial security, flexible wealth transfer arrangements, direct payment for services, and a holistic service ecosystem [27][30]. Group 6: Competitive Advantages - Ping An Trust's strength lies in its ability to integrate various financial and health management resources, providing a reliable and sustainable model for elderly care [34][35]. - The recent emphasis on elderly finance by the central government marks a pivotal moment for the industry, positioning Ping An Trust as a leader in developing innovative solutions for the aging population [35].

养老问题不仅关系到国家发展大局，更直接影响亿万家庭的幸福生活。作为长期关注中国式养老课题的 保险机构，大家保险已连续五年坚持开展养老需求专项调研，持续追踪国人养老观念与需求的变化趋 势。本次论坛，大家保险将联合尼尔森正式发布《中国城市商业养老白皮书2026》。 据悉，论坛还将举办大家的家·合肥梧桐里城心社区开业仪式、梧桐里城心社区合作伙伴签约仪式等活 动。这一系列活动标志大家保险在徽派养老新生态的全面启航。 保险养老融合与发展论坛由大家保险集团于2021年创办，至今已成功举办四届。论坛聚焦保险与养老的 协同融合发展，搭建思想碰撞的平台，凝聚多方合力，从供给侧推动破局创新，为我国养老保障体系进 一步完善贡献行业智慧。 随着中国社会老龄化程度的不断加深，优化养老服务体系的重要性日益凸显。"十五五"规划建议提出， 优化基本养老服务供给，完善城乡养老服务网络。"如何实现品质养老"已成为关乎亿万家庭的时代必答 之题。 11月28日，第四届保险养老融合与发展论坛将在合肥召开。该论坛由大家保险集团与21世纪经济报道联 合主办，是2025年第二十届21世纪金融年会下设的分会场。 论坛以"应时代之问，锚险养未来"为主题，将汇聚 ...

Core Viewpoint - The high-quality development of elderly care services is crucial for advancing Chinese-style modernization, with a significant transformation in the elderly care model occurring in China, driven by the unique challenges faced by the "70s," "80s," and "90s" generations [1][2] Group 1: Current State of Elderly Care - China is experiencing the largest and fastest transformation in elderly care in human history, with a shift from family-based care to socialized care since the reform and opening up [1] - The proportion of the population aged 60 and above has reached 18.7% according to the seventh national census, with expectations of entering a phase of severe aging by 2035 [1] Group 2: Proposed Solutions - To enhance the sense of security for the "70s," "80s," and "90s" generations, a stable pension expectation and a multi-layered policy system from central to local levels are recommended [2] - A community-based service model is suggested, integrating elderly dining facilities and day care into a one-stop complex, creating a "service circle" within a 15-minute walking distance [2] - The use of IoT and big data to establish health monitoring platforms for the elderly is proposed, enabling real-time tracking of chronic disease indicators and AI risk warnings [2] Group 3: Role of Insurance Industry - The insurance industry is seen as having the potential to alleviate consumer anxiety by providing traditional financial services alongside related services, contributing to the "security code" for a longevity society [3] - The silver economy in China is rapidly developing, characterized by accelerated integration with related industries and the emergence of new industries [3] - The insurance sector is encouraged to offer diversified, personalized products and services that cover the entire life cycle, promoting innovative models [3]

Core Viewpoint - The need to accelerate the construction of a pension service system suitable for China's national conditions, enhancing the sense of security for middle-aged and young people regarding retirement [1] Group 1: Changes in Pension System - Since the reform and opening up, China's pension methods and system have undergone significant changes, transitioning from family-based care to socialized pension services [1] - The basic pension services have evolved from merely providing a safety net to achieving equal and inclusive access, forming a unique "Chinese-style" characteristic [1] Group 2: Population Aging and Its Impact - The background of negative population growth and aging will have long-term effects on the future, with China experiencing the largest and fastest "population-family synchronous change" in human history [1] - Generations "70s", "80s", and "90s" are all facing retirement challenges [1] Group 3: Enhancing Pension Security for Middle-aged and Young People - Five areas of focus to enhance the pension security of the "70s", "80s", and "90s" generations have been proposed [2] - Institutional policy support to establish stable pension expectations, creating a multi-layered policy system from central to local levels [2] - A layered service system to reduce anxiety regarding pension support, including the construction of one-stop comprehensive service centers in communities [2] - Precision in service content to improve service quality, focusing on mental care and social support to alleviate loneliness among the elderly [2] - Intelligent service mechanisms leveraging technology, such as building a pension cloud platform to optimize service matching efficiency [2] - Collaborative and diversified主体协同 to build a pension safety net, attracting social capital through tax reductions and operational subsidies [3]