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]

第一财经了解到，"十五五"时期，我国将继续对超常规、超大规模的老龄化做出进一步的制度安排，在 更加完备的顶层设计、更加普惠的养老服务、更多数智化的智慧养老以及更大力度发展银发经济等方面 都会有新的突破。 人口老龄化速度最快的五年即将到来 第一财经也从相关人士处了解到，目前我国还缺乏整体积极应对人口老龄化的顶层设计，目前这一顶层 设计正在紧锣密鼓地制定中。 我国是世界上人口老龄化程度比较高的国家之一，老年人口数量最多、老龄化速度最快、应对人口老龄 化任务最重。 即将到来的"十五五"将是我国人口老龄化水平提升速度最快的五年，60岁以上的老年人口总量将从目前 的3.1亿增加到4亿人左右。未来五年，我国面临着严峻的人口老龄化挑战。 国家统计局的数据显示，2024年末，我国60岁及以上人口达到3.1亿人，占全国人口的22.0%；其中，65 岁及以上人口2.2亿人，占全国人口的15.6%。 "十四五"时期，我国已把积极应对人口老龄化上升为最高层级的国家战略。中国老龄科学研究中心原副 主任党俊武接受第一财经采访时表示，"十四五"期间，全社会应对人口老龄化的意识显著增强，相应政 策法律体系更加丰富，相关制度和服务体系取得长足 ...