中国银行《经济金融热点快评》：如何扩大养老服务消费.pdf ...

Policy Measures - On September 16, nine departments jointly issued policies to expand service consumption, focusing on five key areas: cultivating service consumption platforms, enriching high-quality service supply, stimulating new consumption, enhancing financial support, and improving statistical monitoring systems[2] - The report outlines 19 specific measures aimed at promoting the quality and expansion of service consumption, thereby unleashing domestic demand potential[2] Industry Insights - In the cultural and tourism sector, the added value of cultural and related industries reached CNY 5.95 trillion in 2023, while tourism and related industries added value was CNY 5.48 trillion[2] - Domestic travel is projected to reach 5.615 billion trips in 2024, with total consumption expected to hit CNY 5.75 trillion[2] - The sports industry is anticipated to grow significantly, with a focus on introducing high-quality international sports events and fostering grassroots sports events like "Village Super" and "Su Super" to create new consumption growth points[2] Investment Recommendations - Service retail sales are expected to grow by 6.2% year-on-year in 2024, outpacing goods retail sales by 3 percentage points[2] - Per capita service consumption expenditure is projected to increase by 7.4%, contributing 63% to overall per capita consumption growth[2] - Investment focus areas include "new" cultural tourism projects, quality sports event IPs, and long-term care insurance-related enterprises in the elder care sector[2] Risk Factors - Potential risks include slower-than-expected policy progress, lower-than-expected economic growth, and weaker-than-expected consumer sentiment recovery[2]

当前，我国养老服务消费需求日益增长，一些"坑老""骗老"行为及不良营商手法也同时存在。目 前，民政部已开通全国养老服务信息平台，便于公众查询或选择具备资格资质的养老服务机构。此外， 各方也亟需协同共治，筑牢安全底线。服务机构须坚守诚信经营，杜绝虚假宣传和诱导式营销，自觉接 受监督。相关部门应进一步健全联合监管机制，强化事前准入和事中事后监督，严厉打击违法行为，畅 通投诉渠道，切实保障老年人合法权益。老年人应增强防范意识，通过正规渠道核实资质、签订合同、 理性付费，警惕高息理财骗局，加强个人信息保护。(本文来源：经济日报 作者：时 锋) ...

防范养老诈骗。一些不法分子以"养老理财""会员制养老""投资养老项目"为名，承诺高额利息分红回 报、优先入住资格或享受消费优惠，引诱老年消费者办理"会员卡""预付卡"或投资入股，收取高额会员 费、保证金或投资本金，诈骗老年消费者钱财。建议消费者切勿轻信"高息回报"等虚假承诺，避免落入 非法集资陷阱。 当前，我国养老服务消费需求日益增长，银发经济迎来快速发展。与此同时，全国消协组织受理投诉情 况显示，养老服务消费中一些"坑老""骗老"行为和不良营销手段时有出现。为更好满足老年人服务需 求，切实减少养老服务消费侵权事件，全国老龄办、民政部、中国老龄协会、中国消费者协会近日特别 提醒广大老年消费者防范养老服务消费风险。 谨慎选择养老服务机构。一些组织未经登记就打着养老服务机构的名义开展活动，这类经营主体既无资 格资质、质量保证，又存在极大安全隐患。为方便消费者查询，民政部开通了全国养老服务信息平台， 消费者可通过该平台查询或选择具备资格资质的养老服务机构。 规范签订服务合同。老年消费者在缴纳养老服务费用前，应与养老服务经营者签订正规合同，特别要关 注涉及服务主体、服务内容、服务周期、服务收费等的条款，明确约定退费情 ...

Group 1 - Various regions in China, including Shanxi, Shandong, Chongqing, Zhejiang, and Gansu, are actively promoting elderly service consumption through meetings, new policies, and themed activities [1] - The "Elderly Service Consumption Season" launched in Shanxi aims to strengthen home-based elderly care and meet the diverse needs of the elderly [1] - The initiatives are expected to enhance consumer experience, improve the quality of life for the elderly, and attract more enterprises and capital into the elderly service sector, fostering innovation and growth in the silver economy [1] Group 2 - Consumption subsidies are highlighted as a key strategy to activate consumer willingness, reduce payment pressure for the elderly, and promote the development of the elderly service market [2] - Subsidies cover both elderly service consumption and home adaptation, supporting families in upgrading to age-friendly products [2] - The large elderly population in China is increasingly willing to spend, aligning with national strategies to expand domestic demand and boost consumption [2] Group 3 - The Ministry of Civil Affairs and the Ministry of Commerce have introduced measures to promote high-quality development in elderly services and enhance the quality of life for the elderly [3] - Sales revenue for community, institutional, and home-based elderly care services has seen significant year-on-year growth, with increases of 30.4%, 22.6%, and 18% respectively [3] - Recommendations for further market stimulation include strengthening planning for a comprehensive elderly service network, enhancing service standards, and encouraging financial institutions to innovate products to support elderly care facilities [3]

Core Viewpoint - The launch of the "Elderly Service Consumption Season" and the "Jin Xiao Huan Xin" initiative in Shanxi Province aims to boost elderly service consumption and expand domestic demand to meet the diverse needs of the elderly population [1][2]. Group 1: Initiative Overview - The initiative is organized by the Shanxi Provincial Civil Affairs Department and aims to create a supportive environment for the elderly through improved services and products [2]. - The "Jin Xiao Huan Xin" action includes a subsidy program for home modifications to enhance safety and convenience for the elderly, covering all individual consumers in the province [2]. Group 2: Subsidy Details - Consumers can receive a subsidy of 30% of the actual purchase price, with a maximum cumulative subsidy of 18,000 yuan per person [2]. - The subsidy applies to a wide range of products, including modifications for bedrooms, bathrooms, kitchens, and smart assistive devices, encompassing over 10,000 products across six major categories [2]. Group 3: Market Participation - Currently, 21 offline brands and 475 types of elderly-friendly products are available for sale, with nearly 10,000 products listed online on the JD platform [5]. - The initiative has engaged 200 sales entities across various cities and reform zones in Shanxi, enhancing consumer shopping experiences through online services [5]. Group 4: Future Plans - The "Elderly Service Consumption Season" will serve as a platform for Shanxi's civil affairs departments to introduce a series of quality services, products, and experiential activities aimed at improving elderly service quality and industry upgrades [5].

活动现场还设置养老服务特色展区、参观体验区，发放健康手册、海南养老服务消费季活动宣传册 等。在养老服务特色展区，不少老人及家属现场了解智能床垫、护理床等老年人用品。在参观体验区， 老人和家属们参观托老院的康复护理室，观看护理员护理技能演示，了解数字化养老服务等，直观感受 当今养老服务的便捷与品质。 据了解，此次活动将持续至12月，期间开展"银龄康养之旅"活动、"银龄生活焕新季"活动、养老护 理人才提升计划、"敬老月"活动、养老机构开放日及体验周、"会展促消费"活动、养老护理职业技能竞 赛等。 海南日报海口7月31日讯(海南日报全媒体记者 张文君)7月31日，"惠享生活 乐养海南"2025年海南 养老服务消费季暨"敬老月"活动启动仪式在省托老院举行。活动旨在响应国家促进养老服务消费的号 召，进一步挖掘海南"银发族"消费潜力，激活海南养老服务消费市场。 活动发布海南养老服务消费季活动内容，解读海南养老政策，宣布消费季惠民举措，发布省养老机 构白名单，为海口、三亚、琼海、临高、白沙、陵水、保亭、省托老院等8个"居家社区养老服务队"代 表授旗。 此次活动由省民政厅、省旅游和文化广电体育厅、省商务厅主办，省托老院、省养 ...

Group 1 - The core viewpoint of the news is the implementation of a subsidy program for elderly care services targeting moderately to severely disabled elderly individuals, aimed at enhancing the quality of elderly care services and promoting consumption in this sector [1][2] - The subsidy program includes home, community, and institutional elderly care services, with specific services such as meal assistance, bathing assistance, rehabilitation care, and short-term respite services [1] - The initiative is expected to alleviate the caregiving burden on families, improve the matching of supply and demand in the elderly care sector, and stimulate economic development while enhancing the quality of life for the elderly [1] Group 2 - By the end of 2024, the population of individuals aged 60 and above in China is projected to reach 310 million, accounting for 22% of the total population, highlighting the urgency of addressing aging population issues [2] - The National Health Commission has also introduced a work plan for integrated medical and elderly care services, encouraging local governments to enhance service capabilities and meet the health and elderly care needs of the aging population [2]

Core Points - The Ministry of Civil Affairs and the Ministry of Commerce launched the "Elderly Service Consumption Season" in Qingdao, focusing on improving the quality of life for the elderly [1] - The event will run until December 2023, aiming to stimulate consumption and enhance the living conditions for senior citizens [1] - The initiative encourages participation from various sectors to address the needs and expectations of the elderly, promoting innovative consumption scenarios [1] Summary by Categories Government Initiatives - The "Elderly Service Consumption Season" will implement policies aimed at benefiting the elderly, including the promotion of trade-in programs for consumer goods [1] - Local governments are guided to include elderly products and home adaptations in the national subsidy support scope [1] Consumer Engagement - The program will utilize both online and offline shopping channels, allowing elderly individuals to enjoy benefits without restrictions on residency [1] - Various consumer incentives will be introduced, such as consumption vouchers, discounts, reward points, and subsidies for meal delivery services for the elderly [1]

Core Points - The Ministry of Civil Affairs and the Ministry of Commerce jointly launched the "National Elderly Service Consumption Season" in Qingdao, focusing on enhancing the quality of life for the elderly [1] - The event will run until December this year, aiming to stimulate consumption and improve living conditions for senior citizens [1] - Various measures will be implemented, including the issuance of elderly service consumption vouchers, discounts, reward points redemption, lotteries, and subsidies for meal delivery services for the elderly [1] Summary by Categories Event Overview - The "Elderly Service Consumption Season" is themed "Benefiting the Elderly, Quality Life" and aims to mobilize social participation to meet the needs of the elderly [1] - The initiative emphasizes the importance of improving consumption conditions and innovating consumption scenarios to fully unleash the consumption potential of the elderly [1] Government Initiatives - The Ministry of Civil Affairs has called for effective use of various funding channels to support the initiative [1] - Encouragement for local governments to implement consumer-friendly measures to enhance the elderly's quality of life [1]