第一，2025年国补资金比2024年翻了一番，所以资金规模上，相信2026年资金规模还是值得期待的。 第二，补贴范围上，2025年已经从家电拓展到了电脑、手机这些数码类的产品，所以2026年各个地方也 会因地制宜把补贴的范围向消费领域进一步拓展。 第三，财政的贴息政策，不管是消费还是供给都实行了双贴息政策。下一步，地方政府在进行支出的时 候，2026年也要考虑支出进度，防止前松后紧。 新闻1+1丨明年财政的钱该怎么花、如何更好"投资于人"详解来了 明年财政的钱到底该怎么花？12月27日至28日，全国财政工作会议对此作出进一步部署。明年要扩大财 政支出盘子，调整优化国补范围和标准，促进居民就业增收，完善社会保障体系，财政的钱要更多用于 促消费和民生保障。《新闻1+1》连线中央财经大学财税学院教授白彦锋，带来分析解读。 明年国补政策的范围、力度会有什么样的变化？ 中央财经大学财税学院教授白彦锋： 白彦锋：这两年学龄人口在发生一个很大的变化，尤其学前的人口呈现逐步下降的趋势，这样就会波及 中学的学位呈现先增后降。 从区域上，更多的学龄人口在从乡村向城市，尤其是大城市集中。 适应学龄人口年龄变化，财政资金的支出也要进 ...

Core Viewpoint - It is expected that by 2026, there will be a marginal recovery in household consumption, driven by the implementation of subsidy policies in areas such as childcare and elderly care, along with the wealth effect from rising stock markets [2] Group 1: Economic Context - The "14th Five-Year Plan" aims to significantly increase the household consumption rate, which is defined as the proportion of final household consumption expenditure to GDP [2] - In 2024, China's household consumption rate is projected to be 39.9%, an increase of 4.3 percentage points since 2012, but still about 20 percentage points lower than major developed economies [2] Group 2: Consumption Rate Improvement Strategy - To raise the household consumption rate from 40% to 43% during the "14th Five-Year Plan," an average annual growth rate of 6.5% in household consumption is required, assuming a nominal GDP growth rate of about 5% [4] - The increase in consumption is not merely a temporary measure but a strategic move related to the transformation of the economic development model, emphasizing that consumption should enhance the well-being of citizens rather than being treated as a mere policy tool [4] Group 3: Systematic Approaches to Boost Consumption - Five systematic approaches are proposed to enhance household consumption: 1. Optimize the consumption environment to create a collaborative effort among government, enterprises, and residents [5] 2. Improve the income distribution system to solidify the consumption foundation, focusing on increasing disposable income and enhancing property income [5] 3. Strengthen the social security system to alleviate residents' concerns about future expenditures [5] 4. Relax market access to improve supply quality, which can stimulate entrepreneurial spirit and accelerate the development of service industries [6] 5. Optimize holiday systems to release service consumption potential, thereby balancing supply and demand [6][7] Group 4: Policy Recommendations - Short-term measures require more proactive macroeconomic policies to unleash consumption potential, while long-term strategies depend on reforms in income distribution, social security, and public services to continuously enhance residents' consumption capacity and willingness [7]

中央经济工作会议12月10日至11日在北京举行。会议提出，稳定高校毕业生、农民工等重点群体就业， 鼓励支持灵活就业人员、新就业形态人员参加职工保险。 中国新就业形态研究中心主任张成刚对第一财经表示，会议明确提出着力稳就业、稳企业、稳市场、稳 预期。灵活就业、新就业形态从业者已超过2亿人，是我国就业的重要组成部分。要稳就业、稳预期， 必须将这一庞大群体纳入更稳健的社会保障体系，使其在收入波动、健康风险、职业转换等方面具有更 强的抵御能力，从而增强其劳动供给意愿和市场参与度。 我国的社保制度正在从广覆盖走向全覆盖，在高质量社保体系建设中，一部分农民工，灵活就业人员， 新业态从业人员，由于劳动关系不明确、工作方式灵活、收入不稳定等原因，难以直接参加传统的以单 位为依托的社会保险制度，这部分群体漏保、脱保、断保问题比较突出，是我国社会保障的一块"短 板"。 我国正在深入实施全民参保计划，积极推进重点群体参保，让更多的人享有社会保障。人社部相关负责 人在今年9月举行的国新办新闻发布会上表示，对大家关心的灵活就业人员参加养老保险问题，实行"一 放开、三灵活"。"一放开"就是普遍放开参保户籍限制；"三灵活"就是，参保地可以 ...

2025.12. 11 我国的社保制度正在从广覆盖走向全覆盖，在高质量社保体系建设中，一部分农民工，灵活就业人 员，新业态从业人员，由于劳动关系不明确、工作方式灵活、收入不稳定等原因，难以直接参加传统 的以单位为依托的社会保险制度，这部分群体漏保、脱保、断保问题比较突出，是我国社会保障的一 块"短板"。 我国正在深入实施全民参保计划，积极推进重点群体参保，让更多的人享有社会保障。人社部相关负 责人在今年9月举行的国新办新闻发布会上表示，对大家关心的灵活就业人员参加养老保险问题，实 行"一放开、三灵活"。"一放开"就是普遍放开参保户籍限制；"三灵活"就是，参保地可以在就业地 或者户籍地之间灵活选择，缴费基数在当地上下限标准之间灵活选择，缴费方式可以在按月、按季、 按年之间灵活选择。 目前，灵活就业、新就业形态从业者中的大部分人并非完全没有社保，但参加的是保障水平较低的居 民社保，与其收入水平和工作性质并不匹配。 本文字数：1154，阅读时长大约2分钟 作者 | 第一财 经 郭晋晖 封图 | AI生成 中央经济工作会议12月10日至11日在北京举行。会议提出，稳定高校毕业生、农民工等重点群体就 业，鼓励支持灵活就 ...

会上，就如何积极应对人口老龄化国家战略，韩建中介绍，海陵着力推动养老服务从"有保障"向"高品质"跨越，构建起涵盖多元主体、目标路径清晰的扶 持引导政策体系。"十四五"期间，全区11个镇街154个村居实现居家养老服务中心(站)全覆盖，建成运营助餐点39个、老年大学分校11个、睦邻点20个、助 浴点3个，"15分钟养老服务圈"逐步完善。 扬子晚报网12月5日讯(通讯员吴驰记者王国柱)12月5日，泰州市海陵区举办"冲击'千亿主城'焕新'文化古城'建强'首善之城'"系列主题"高水平推进协调发 展"专场新闻发布会，该区民政局党组书记、局长韩建中，城南街道办事处副主任孙梅，介绍海陵区健全多层次社会保障体系，提升百姓的获得感、幸福 感等方面的情况。 在养老助餐环节方面，制定《海陵区"乐龄餐"专项行动实施方案》，对海陵区户籍60周岁(含)以上特困人员、低保人员，通过老年助餐服务设施就餐的， 给予每人每日4元就餐补贴；对于户籍70周岁(含)以上老年人，给予每人每日2元就餐补贴；探索"社会餐饮企业市场化运营""中心厨房+社区配送"两种发 展模式，提供集中助餐和爱心送餐服务，既有效降低运营成本，又能让老年人实现就近便捷就餐，推动助 ...

Core Viewpoint - Jiangsu's human resources and social security system is focused on promoting high-quality employment and social security to contribute to common prosperity, aligning with the province's modernization goals. Employment and Economic Development - Employment is prioritized as a key political task, with an average of over 1.35 million new urban jobs created annually during the 14th Five-Year Plan, ranking second nationally [2] - The urban survey unemployment rate has been maintained below 5%, with a cumulative total of 6.714 million new urban jobs created by the end of October this year [2] - A combination of policies, including wage subsidies and special loans, has effectively stabilized employment for over 20.5 million workers [2] - Training programs have been conducted for 9.7 million individuals, with a job placement rate of 37% and a training retention rate of 94% [2] Human Resources Service Industry - By the end of 2024, Jiangsu will have 6,752 human resources service agencies, employing 67,000 people and generating an annual revenue of 221.5 billion [3] - The "Just in Jiangsu" smart employment service platform has facilitated numerous recruitment events, collecting nearly 27 million job postings [3] - Innovative employment services, such as live-streaming job fairs, have provided over 5.5 million job opportunities [3] Social Security System - Jiangsu is enhancing its social security system to ensure comprehensive coverage and equitable benefits for all residents [5] - As of October, the number of basic pension insurance participants reached 61.573 million, an increase of 1.92 million since the end of 2021 [6] - The minimum pension for urban residents has been increased annually by at least 8%, benefiting 12 million residents [6] Support for Key Groups - Targeted support for college graduates has resulted in a placement rate exceeding 92% for recent graduates [4] - Unemployment insurance totaling 11.97 billion has been distributed, assisting 655,000 unemployed individuals [4] - Continuous employment services for migrant workers have stabilized their employment at over 24 million [4] Talent Development and Innovation - Jiangsu has implemented a talent strategy to attract and retain skilled individuals, with 16,736 doctoral candidates introduced during the 14th Five-Year Plan [8] - The province has established a unique talent evaluation system and enhanced support for high-skilled workers [9] - Entrepreneurship support has led to 1.483 million individuals starting their own businesses since the beginning of the 14th Five-Year Plan [10] Labor Relations and Wage Protection - Jiangsu is committed to building harmonious labor relations and has implemented measures to address wage arrears effectively [11] - The province has established a digital monitoring system for wage payments, ensuring timely intervention in cases of wage disputes [12] - A comprehensive approach to wage protection has resulted in a 100% case closure rate for wage-related complaints [13]

Core Viewpoint - The Chinese economy is undergoing fundamental changes, transitioning from a state of scarcity to one of surplus, which requires new strategies for managing economic expansion and consumption [1][3]. Group 1: Economic Transition - The core change in the Chinese economy is the shift from a scarcity economy to a surplus economy [1]. - There is a need to explore how to expand consumption under the current economic conditions, focusing on the underlying constraints [3]. Group 2: Consumption Expansion - To effectively expand consumption, it is essential to increase income levels, which are primarily driven by employment opportunities, particularly in the private sector [3]. - The relationship between consumption expansion and existing wealth is critical, with real estate prices currently in a downward trend, affecting 60% of household wealth and severely limiting consumption growth [3]. Group 3: Wealth Preservation - The appreciation and protection of existing wealth depend on legal safeguards and cultural recognition of its importance [3]. - The lack of emphasis on preserving existing wealth contributes to a cycle where current income alone cannot sustain living standards, highlighting the need for wealth preservation to facilitate a virtuous economic cycle [3]. Group 4: Societal Concerns - There is a prevailing sense of uncertainty among the Chinese population regarding the future, which influences savings behavior, particularly among younger generations whose income levels have not increased significantly [4]. - The elderly population tends to save their increased retirement income rather than spend it, leading to lower consumption levels [4]. Group 5: Social Security and Consumption Scenarios - Improving the social security system and adjusting fiscal spending towards public welfare is necessary for sustainable economic growth [5]. - As per capita GDP in China is projected to reach $1,400 by 2025, there will be an increasing number of high-net-worth individuals, necessitating the optimization of consumption scenarios across different social strata [5]. - Consumption upgrades should not be viewed as wasteful; rather, they are essential for driving economic growth in modern conditions [5].

Core Insights - The long-term care insurance (LTCI) system is being rapidly implemented across various provinces in China, with a unified system set to be established in Hainan by January 1, 2026 [1][2] - LTCI is a crucial social insurance initiative aimed at addressing the needs of elderly individuals who are unable to care for themselves due to aging, illness, or disability, marking it as the "sixth insurance" in China's social security system [2][3] - The program has seen significant growth since its pilot launch in 2016, with over 180 million participants expected by the end of 2024, and cumulative expenditures exceeding 80 billion yuan [2][3] Implementation and Variability - There is notable variability in the implementation of LTCI across pilot regions, with differences in operational models, funding sources, and service delivery methods [3][4] - Various service delivery options have emerged, including home care, institutional care, and cash benefits, reflecting a diverse approach to meeting the needs of the elderly [3][4] Policy Development and Recommendations - The establishment of a unified LTCI system is essential to fill the gaps in elderly care and ensure comprehensive social security coverage [3][5] - Experts suggest that the LTCI system should focus on in-person services primarily, with cash benefits as a supplementary option, and clarify the boundaries between LTCI and basic medical insurance [5][6] - Recommendations for enhancing the LTCI system include expanding coverage, improving community and home care services, training more caregivers, and promoting awareness of the importance of insurance participation [6]

Group 1 - The core focus of the "14th Five-Year Plan" is to enhance the social security system, which is crucial for maintaining social equity and improving people's livelihoods [1][2] - The social security system serves as a safety net and stabilizer for society, playing a significant role in promoting economic and social development [1] - The national basic pension insurance participation rate has exceeded 95%, with a total scale of social insurance funds reaching 70.8 trillion yuan, indicating a robust financial foundation [1] Group 2 - Recent actions by national human resources departments aim to safeguard social security funds, addressing management issues and enhancing regulatory responsibilities [2] - Despite significant growth in social spending, challenges such as economic slowdown and fiscal pressure necessitate a balanced approach to social investment [2] - The focus on multi-tiered medical and pension insurance systems reflects ongoing reforms aimed at enhancing the welfare of citizens [2][3] Group 3 - The comprehensive function of social security should evolve from mere risk compensation to promoting individual development and well-being [3] - A well-developed social security system is essential for building a solid foundation for a modern socialist state and ensuring a stable future for citizens [3]

Core Insights - The article highlights the importance of long-term care insurance (LTCI) in addressing the needs of elderly individuals with disabilities and dementia, emphasizing its role in enhancing the caregiving system and expanding rehabilitation and palliative care services [1] Group 1: Long-Term Care Insurance Overview - Long-term care insurance is a significant social insurance system in China aimed at providing care services for individuals who are unable to care for themselves due to aging, illness, or disability, recognized as the "sixth insurance" after five major social insurances [1] - Eligible individuals can choose to receive care services at designated institutions or through home care provided by these institutions [1] Group 2: Implementation in Ningbo - Ningbo has been a pilot city for LTCI since 2017, and in 2023, it expanded the coverage to include all age groups of insured individuals, establishing a comprehensive system for funding, demand assessment, benefit payment, service provision, and management [2] - An individual named Wu Haoliang, classified as a severe disability level I, pays only 30 yuan annually to receive 20 hours of home care services each month [2] Group 3: Impact on Individuals - The article illustrates the positive impact of LTCI on individuals like Wu Haoliang, who, despite facing severe health challenges, found hope and support through professional care services [2][3] - The professional caregivers, such as Dai Xingdi, play a crucial role in not only providing physical care but also in supporting the psychological well-being of the individuals they care for, highlighting the difference between professional care and family care [3] - Over 47,000 individuals in Ningbo have benefited from LTCI, with more than 6% of them being individuals under 60 years old with severe disabilities, showcasing the program's broad and inclusive nature [3]