让养老金融贴近生活 ◎记者 黄坤 养老服务是否便利、安全、可负担，直接关系老年人的获得感和幸福感。近日，八部门联合印发《关于 培育养老服务经营主体 促进银发经济发展的若干措施》（下称《若干措施》），从优化服务供给、加 强数智化升级、加大扶持力度等关键环节入手，为银发经济发展注入新动能。 在政策红利加速释放的背景下，金融资源如何进一步下沉、打通养老服务"最后一公里"？上海证券报记 者日前在上海、苏州等地调研发现，随着金融"活水"持续注入，一条以社区和服务场景为依托、以科技 和普惠机制为支点的养老金融实践路径正在逐步成形，政策红利正加快转化为老年人触手可及的民生实 效。 优化供给结构 "我们研发了'挚爱居家护理'智能管理系统，把健康数据、派单、护理记录、人员管理全部纳入系 统。"上海挚爱护理站总经理殷忠良表示，自主研发并不轻松，尤其是资金压力不小。 关键时刻，农行上海市分行通过"农银养老批次贷"提供了500万元贷款，并由上海市融资担保中心"见贷 即保"。"这笔钱让系统从'设想'变成了'实物'，也为后续升级留足空间。"殷忠良说，如今系统不仅提升 了护理效率，也让服务更透明、更安全。 供给侧的优化是满足多元养老需求的 ...

民政部等八部门日前出台《关于培育养老服务经营主体 促进银发经济发展的若干措施》。其中提出， 鼓励养老科技攻关及产品研发。加强养老服务领域数智化升级，将大数据、云计算、人工智能、北斗技 术运用到老年人健康监测、安全报警以及个性化定制服务中。 鼓励养老服务机器人产业发展，针对家庭和机构对老年人日常护理、情感陪护及社会支持等需求，促进 机器人技术、医疗康复、智能家居等跨产业协同与技术融合，为老年人提供全方位智能化养老支持。 加快推动具身智能技术、新兴材料技术、基因技术、康复辅具等产品研发，积极探索脑机接口、外骨骼 机器人、肌肉外甲等技术，为身体功能退化的老年人提供科技支撑。 原文如下： 关于培育养老服务经营主体促进银发经济发展的若干措施 为贯彻落实《中共中央 国务院关于深化养老服务改革发展的意见》、《国务院关于促进服务消费高质 量发展的意见》和《国务院办公厅关于发展银发经济增进老年人福祉的意见》，充分激发各类养老服务 经营主体活力，营造投资创业良好环境，促进银发经济发展，更好满足老年人多层次多样化养老服务需 求，现提出以下措施。 一、推进品牌化建设 (一)加强品牌塑造。支持连锁化养老服务经营主体设置具有品牌特色的标 ...

Group 1 - The aging population in China is rapidly increasing, with the number of individuals aged 80 and above rising from 11.99 million in 2000 to 35.8 million in 2020, a nearly twofold increase, and is projected to reach 82.56 million by 2035 [1] - The "digital and intelligent elderly care" approach is being proposed as a solution to the challenges posed by an aging society, emphasizing the need for a digital transformation in social security [2][3] - The silver economy is identified as a significant market opportunity, with the population aged 60 and above expected to reach 310 million by the end of 2024, accounting for 22% of the total population, and the silver economy scale surpassing 7 trillion yuan, representing about 6% of GDP [4][5] Group 2 - The current pension finance system in China faces three major bottlenecks: significant regional and urban-rural disparities in basic pension benefits, insufficient coverage of enterprise annuities, and a complex third pillar of products with low participation [2] - Recommendations include leveraging financial technology to reconstruct the elderly care ecosystem, utilizing AI and big data for dynamic demand analysis and personalized asset allocation, and establishing a service platform that combines algorithmic suggestions with human oversight [2] - The need for a sustainable "Chinese-style" long-term care system is highlighted, with ongoing pilot programs for long-term care insurance facing challenges such as low coordination levels and inadequate coverage for rural areas and dementia patients [6][7]

Core Insights - The upcoming "15th Five-Year Plan" will address the rapid increase in China's aging population, with the number of individuals aged 60 and above expected to rise from 310 million to around 400 million within five years [1][3][4] - The "14th Five-Year Plan" has elevated the response to aging as a national strategy, leading to increased awareness and development of policies and services [1][4][5] - The aging population presents both challenges and opportunities, with a significant portion of the elderly being in the lower age bracket, which could facilitate gradual retirement and continued employment [9][10] Group 1: Aging Population Statistics - By the end of 2024, the population aged 60 and above in China is projected to reach 310 million, accounting for 22% of the total population [3] - The transition from moderate to deep aging is expected to occur rapidly during the "15th Five-Year Plan" period, marking a critical window for addressing aging issues [3][4] - The elderly population is anticipated to grow from 320 million in 2025 to 390 million by 2030, with an annual increase of approximately 13.09 million [4] Group 2: Policy and Strategic Framework - The "15th Five-Year Plan" aims to establish a comprehensive framework for addressing aging, including reforms in pension systems and elderly care services [5][6] - There is a need for a more robust top-level design to coordinate efforts across various sectors to effectively respond to the aging population [5][6] - The government has issued numerous policies at various levels, but there is still a significant gap in achieving a fully developed system [4][6] Group 3: Challenges in Elderly Care - The current elderly care system faces challenges such as insufficient supply of services, particularly in rural areas, and a shortage of caregivers [6][7] - The disparity in aging levels between urban and rural areas highlights the need for targeted policies to address rural elderly care deficiencies [6][7] - The existing infrastructure for elderly care, including the number of facilities and beds, falls short of the targets set in the "14th Five-Year Plan" [6] Group 4: Future Directions and Innovations - The "15th Five-Year Plan" will focus on innovative approaches to elderly care, emphasizing the integration of technology and social services [10] - There is a call for a shift in the perception of elderly care, moving from survival needs to development-oriented services [6][10] - The plan will also prioritize the establishment of a comprehensive public service system that covers all demographics and life stages [9][10]