Core Viewpoint - The forum highlighted the need for innovative solutions to address the supply-demand mismatch in the pension market and optimize resource allocation in the elderly care industry, as articulated by Zhu Haiyang, a prominent expert in the field [2][3]. Group 1: Current Situation and Challenges - As of the end of 2023, the elderly population aged 60 and above in China reached 300 million, accounting for 21.1% of the total population, with expectations of entering a severe aging phase between 2030 and 2035 [2]. - Despite the nationwide rollout of the personal pension system by December 2024, significant issues remain, including mismatched supply of pension products and residents' needs, low product returns, and high risks, making it difficult for the elderly to find suitable financial products [2][3]. Group 2: Proposed Innovations - The first innovation direction focuses on resolving liquidity issues in elderly financial management through policy and product innovations, such as introducing special savings subsidies for retirees and a "shared account investment" model [3]. - The second innovation direction involves creating a "trust service platform" to connect elderly care, medical, and wellness needs with resources, operated by professional institutions to provide personalized care and comprehensive medical services [3][4]. - The third innovation direction emphasizes the role of industry associations in bridging resource allocation gaps by establishing a collaborative mechanism among banks, associations, and enterprises to promote quality projects in elderly care and technology [5]. Group 3: Market Potential - The innovative development of elderly finance is expected to create significant market opportunities by integrating resources at scale, optimizing the supply chain for elderly services, and driving product and technological innovations [5]. - The implementation of these three innovation directions aims to dismantle regional barriers and market segmentation, thereby strengthening the support for nationwide elderly services and ensuring that the elderly can share in the benefits of economic development [5].