来源：市场资讯 （来源：泡财经） 近日，中央电视台CCTV2财经频道《天下财经》栏目报道了港人北上养老新趋势。随着粤港澳大湾 区"软硬联通"持续深入，香港本地养老资源愈发紧张，越来越多港澳老年人选择"北上养老"。 根据香港特别行政区立法会2025年发布的《数据透视》显示，截至2024年中，有近10万名（99600名） 65岁或以上香港老人，选择定居广东省，相较于过去十年，这一数字激增了40.5%。 北上养老正在成为香港老人不得不面对的现实选择。大湾区城市也将迎来一波养老产业的发展新机遇。 适合港人的养老社区、粤语护理服务等需求不断增长，正吸引更多资本投入，加快在内地的布局。本次 亮相央视的桃苑福利中心就是一个缩影。其母公司是香港上市企业兴业控股（00132.HK），前瞻确立 了大健康养老战略，并通过产业并购和自投发展相结合的扩张策略，深化医养结合特色模式，加快在湾 区的大健康养老布局，抢占北上养老市场新机遇。 养老，不再只是家庭问题，也成了推动大湾区经济融合的新动力。在政策、需求的共同驱动下，一个快 速增长、空间广阔的"跨境养老"蓝海市场正加速形成。 北上养老趋势明显 10万港人北上养老 在粤港澳大湾区加速融 ...

值得一提的是，公寓周边半小时车程内配备多家支持香港医疗券的医疗机构，包括中山三院岭南医院等 三甲医院。为更好地服务香港长者，近半数员工精通粤语，保障了沟通顺畅。公寓还特别打造了港式下 午茶等含港味记忆的生活场景，让长者感受到家的温暖。目前，通过《广东院舍照顾服务计划》入住椿 萱茂广州项目的香港长者已达数十位，港澳长辈对椿萱茂服务也给予了高度认可。 随着粤港澳大湾区"软硬联通"的持续深化，跨境养老正成为越来越多港澳长辈的安心选择。椿萱茂凭借 科学的照护体系、人性化的服务细节和深度融合粤港两地需求的高品质养老体验，正持续推动大湾区养 老服务的创新与融合，助力更多长者实现从"养老"到"享老"。 责任编辑：郭栩彤 | 中华人民共和新疆高清的第四法交通省 开号量制备 | | | | 中文 六号 母 | S OREBUES | | | --- | --- | --- | --- | --- | --- | --- | | 外于报红 最新消息 | 公共服务 | 电子服务 | 服务由。 | 非政府机构资料室 | 联络领导 | | | 公布更多安老院加入「广东院舍照顾服务计划」(2025年9月) | | | | | | 4 | ...

Group 1: Global Aging Population and Economic Impact - The United Nations projects that by the end of the 2070s, the global population aged 65 and older will reach 2.2 billion, driving the "silver economy" to focus on the needs of the elderly through innovative services and products [1][33] - The "silver economy" is expected to stimulate various industries to actively cater to the demands of older adults, enhancing the vitality of the elderly care market [1][33] Group 2: High-Net-Worth Elderly Population in China - Goldman Sachs reports that the high-net-worth elderly group (aged 50 and above with net assets over 3 million yuan) is becoming a core driver of the healthcare market, with approximately 15 million individuals expected in 2024, contributing 221 billion yuan to medical expenditures [2][3][29] - This group, representing only 3% of the population aged 50 and above, is projected to increase to 29 million by 2035, with medical spending soaring to 963 billion yuan, reflecting a compound annual growth rate of 14.3% [3][4][29] Group 3: Evolving Elderly Housing Needs - The "China Silver Housing Development Report" indicates that the demand for elderly housing is shifting from basic care to a "silver living ecosystem" that integrates health management and smart interaction [5][31] - The elderly population is segmented into three age groups, each with distinct needs: younger seniors (55-64) seek quality living improvements, middle seniors (65-79) require aging-friendly modifications, and older seniors (80+) need personalized smart monitoring solutions [5][31] Group 4: Market Size and Growth Projections - The "2025 China Silver Economy Development Research Report" forecasts that the silver economy market in China will reach 25 trillion yuan by 2030, with the market size in 2024 estimated at 8.3 trillion yuan, accounting for 6% of the national GDP [7][32] - The report highlights the potential for cross-industry integration, with new business models emerging from the combination of healthcare, real estate, and technology sectors [7][32] Group 5: Trends in Elderly Care Services - In the first half of 2024, revenues from elderly care services, including disability care and home services, grew significantly, with increases of 40.9% and 14.1% respectively, outpacing the average growth of the service industry [12][34] - The demand for community and institutional elderly care services also saw substantial growth, with increases of 30.4% and 22.6% respectively [13][34] Group 6: Digital Transformation in Elderly Care - The adoption of digital technologies in the silver economy is on the rise, with a 16.9% increase in IT service purchases by elderly care enterprises and significant growth in smart elderly care technology sales [16][34] - The trend indicates a shift towards more sophisticated and personalized care solutions for the elderly population [16][34] Group 7: Cross-Border Elderly Care in the Greater Bay Area - The Greater Bay Area is witnessing a trend towards cross-border elderly care, with collaboration among Guangdong, Hong Kong, and Macau to create a connected elderly care ecosystem [24][38] - Challenges remain, including regulatory issues and the need for better integration of services across regions [25][39]

Core Viewpoint - The article discusses the increasing trend of elderly residents from Hong Kong moving to mainland China for retirement, highlighting the market potential and challenges associated with this "Northward Retirement Wave" [4][21]. Summary by Sections Demographics and Trends - As of mid-2024, nearly 100,000 elderly individuals aged 65 and above from Hong Kong have chosen to settle in Guangdong Province, marking a 40.5% increase over the past decade [4][5]. - The elderly population in Hong Kong is projected to account for 23.9% of the total population by 2024, with over 170,000 seniors [5]. Motivations for Northward Migration - Factors such as lower living costs, larger living spaces, and more affordable housing in mainland China are significant attractions for Hong Kong seniors [5]. - The desire for better integration into mainland society is also a driving force behind this trend [5]. Healthcare Concerns - Healthcare is a primary concern for elderly individuals considering moving to mainland China, as they rely on Hong Kong's fully subsidized public healthcare services, which are not transferable [5][6]. - Recent policies have been introduced to facilitate cross-border healthcare access, including the establishment of new medical institutions in mainland China to serve Hong Kong seniors [8][9]. Insurance and Financial Products - Insurance companies are beginning to develop products tailored to the needs of Hong Kong seniors moving to mainland China, indicating a growing market for cross-border retirement services [26][27]. - The introduction of policies allowing Hong Kong residents to participate in mainland social insurance is seen as a positive step towards addressing healthcare access issues [17][21]. Market Potential - The cost of elderly care facilities in mainland China is significantly lower than in Hong Kong, with monthly fees in mainland facilities being one-third to one-fifth of those in Hong Kong [21][22]. - The article suggests that the market for cross-border retirement services is substantial, driven by the aging population in Hong Kong and the challenges faced by the local social security system [21][24]. Challenges and Limitations - Despite the growing interest in "Northward Retirement," many elderly individuals remain hesitant due to unresolved healthcare issues and the limited scope of the current medical voucher system [16][19]. - The current healthcare voucher system only covers outpatient services, leaving many elderly individuals to bear additional costs for inpatient care and medications [16][17]. Future Outlook - The article concludes that the future of cross-border retirement for Hong Kong seniors will depend on the successful integration of healthcare services and the development of comprehensive insurance products that cater to their needs [30][31].

Group 1 - The core viewpoint is that cross-border elderly care is becoming a new trend, with financial institutions targeting opportunities in this sector as policies shift from fragmented exploration to systematic solutions [1][2][4] - The People's Bank of China Guangdong Branch is promoting a new model of "cross-border finance + elderly finance" to support the development of a high-quality living circle in the Greater Bay Area [1][2] - Financial institutions are encouraged to innovate in cross-border payment and financing services to meet the needs of elderly residents from Hong Kong and Macau [4][5] Group 2 - The Hong Kong government has launched 30 measures focused on the silver economy, indicating a shift towards systematic solutions for cross-border elderly care [2] - Financial institutions are developing a comprehensive service model based on the "three pillars of pension" to provide tailored services for elderly clients [2][4] - The report from Ernst & Young highlights challenges in the supply side of cross-border elderly finance, including regulatory differences and a lack of innovative financial products [6]

Core Insights - The report by Ernst & Young highlights the growing trend of "cross-border elderly care" in the Guangdong-Hong Kong-Macao Greater Bay Area as a solution to the aging population crisis [1][2] - The aging population in Hong Kong has increased from 13% to 19% over the past decade, with projections indicating it may become the most aged region globally by 2050 [1][2] - The report emphasizes the need for innovative solutions such as smart healthcare, financial innovation, and policy collaboration to create a new ecosystem for elderly care in the Bay Area [1][2] Summary by Sections Aging Population and Demand - The elderly dependency ratio in the Greater Bay Area has significantly risen, with Hong Kong at 27% and Macao at 16% as of 2020 [2] - The average waiting time for a bed in local nursing homes in Hong Kong is 24 months, with monthly subsidies reaching 25,000 HKD per bed [2] - The "Guangdong Residential Care Service Plan" aims to expand cross-border elderly care institutions from 4 to 11 by the end of 2024, providing cost-effective options for elderly residents from Hong Kong and Macao [2] Challenges and Barriers - Key challenges for cross-border elderly care include significant differences in policies, financial fragmentation, and resource imbalances [4][6] - There are institutional gaps in data flow and medical insurance settlement between mainland China and Hong Kong/Macao, leading to repeated medical checks for elderly patients [6] - The bed occupancy rate in mainland nursing homes is below 60%, while Hong Kong has over 75,000 people on waiting lists for nursing home placements [6] Technological and Financial Innovations - The report suggests that technology can significantly reduce labor costs, with smart devices potentially replacing 1.8 million labor hours [8] - Initiatives like the "Port Medicine Reach" project and digital currency trials for elderly care consumption vouchers are being implemented to enhance service delivery [8] - Financial innovations are needed to attract investment into the mainland insurance industry, including tax incentives for cross-border pension products [8][10] Collaborative Opportunities - The report outlines a vision for each city in the Greater Bay Area to leverage its strengths, such as Hong Kong's financial and medical expertise and Shenzhen's technological capabilities [10] - The establishment of a cross-border medical data channel is set to begin in July 2025, facilitating better healthcare integration [10] - There is a call for integrating social security and long-term care insurance into cross-border settlements to maximize policy benefits [10]

Core Viewpoint - The rapid integration of the Guangdong-Hong Kong-Macao Greater Bay Area (GBA) is accelerating the trend of "cross-border elderly care," necessitating enhanced policy coordination and collaboration among the eleven cities in the region [1][2]. Group 1: Current Challenges - The GBA has made progress in medical system guarantees and resource platform construction, but challenges remain due to significant differences in regulations and resource imbalances among cities [2][3]. - The aging population is increasing the demand for diverse and high-quality elderly care services, which are currently mismatched with the available resources [2][3]. - The development of elderly financial products is still in its early stages, with a lack of awareness and complexity in existing products hindering public engagement [3]. Group 2: Development Suggestions - The integration of emerging technologies such as big data, cloud computing, and artificial intelligence is crucial for addressing challenges in cross-border elderly care services [4]. - Recommendations include supporting new technology development, building data platforms for medical data flow, and utilizing blockchain and digital currency in elderly financial integration [4]. - Collaboration between Hong Kong, Macao, and mainland cities in the elderly care sector is essential for creating a standardized and professional service framework [5][6]. Group 3: Future Directions - The GBA should leverage its unique industrial strengths to enhance inter-city collaboration, particularly in smart elderly care and financial services [6]. - The establishment of a comprehensive elderly care ecosystem will not only improve service quality but also stimulate economic growth in the silver economy sector [6].

Core Viewpoint - The report by Ernst & Young highlights the emerging trend of cross-border elderly care in the Greater Bay Area, emphasizing the collaboration among Guangdong, Hong Kong, and Macau to establish an interconnected elderly care ecosystem [1] Group 1: Demographic Trends and Challenges - The aging population in the Greater Bay Area is becoming a focal point for policymakers, with projections indicating a continued rise in the number of long-term care recipients over the next 15 years, particularly in Hong Kong, which may have one of the highest aging populations globally by 2050 [1] - The demand for healthcare and elderly services is expected to increase due to the growing pressure on medical care and elderly care services [1][2] Group 2: Cross-Border Cooperation - Since the release of the "Outline Development Plan for the Guangdong-Hong Kong-Macao Greater Bay Area" in 2019, tangible progress has been made in building a cross-border elderly care system, particularly in healthcare integration and elderly care [1] - The "Guangdong Residential Care Service Program" allows eligible Hong Kong seniors to receive subsidized accommodation, care services, and basic medical expenses in mainland elderly care institutions, with the number of participating institutions increasing to 15 across six cities in the Greater Bay Area [2] Group 3: Resource Complementarity - There is a resource complementarity between mainland China and Hong Kong/Macau in elderly services, where Hong Kong offers advanced medical resources and high-quality elderly care, while mainland China provides ample space and lower labor costs but lacks high-end medical resources [2] Group 4: Recommendations for Improvement - The report suggests that the governments of Guangdong, Hong Kong, and Macau should enhance policy coordination to build a cross-border elderly care security system, promoting mutual recognition of pensions and medical insurance [3] - In the financial sector, it recommends providing financial support for cross-border elderly care through tax incentives for pension financial products and encouraging financial institutions to develop suitable products [3]