跨境养老

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10万香港老人北上养老?
虎嗅APP· 2025-08-05 13:39
以下文章来源于健闻咨询 ,作者健闻咨询 健闻咨询 . 医疗行业跨界洞察 本文来自微信公众号: 健闻咨询 ,作者:周婧,记者:李琳,原文标题:《10万香港老人开始北上 养老:"北上养老潮"背后藏着多大的市场?》,题图来自:视觉中国 过去10年间,香港老人北上养老的人数,正在激增。 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 (99,600 名) 65岁或以上香港老人,选择定居广东省,比过去10年间激增了40.5%。 2024年,香港65岁或以上人口占比23.9%,香港753万人口基数中,已有约超170万银发老年人。 10万之于170万香港老人而言,虽占比不到一成,但随着"北上养老"背后的各项条件持续打通,这个 方案正逐年成为香港老人的现实之选。 香港岭南大学政策研究院研究助理教授石琤博士长期从事跨境养老研究,她提到,"内地生活成本 低、居住空间大、房间较便宜等因素,是吸引香港老人到内地养老的主要原因,他们表达出想要融入 内地,并落地生根的强烈愿望。" 香港老人北上养老潮的背后,老年人最关心的自然是医疗。 与内地不同,香港廉价的公立医疗服务100%全报销的福利,是不少香 ...
“北上”养老升温 金融机构如何应对?
Zhong Guo Jing Ying Bao· 2025-07-11 16:20
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]
打破跨境养老藩篱,粤港澳大湾区探索银发经济新路径
Nan Fang Du Shi Bao· 2025-07-08 11:33
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]
“跨境养老”步伐加快 大湾区十一城如何高效协同
Jing Ji Guan Cha Wang· 2025-07-04 13:32
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].
安永:跨境养老正在成为新趋势,粤港澳三地共建跨境养老保障体系
2 1 Shi Ji Jing Ji Bao Dao· 2025-05-12 12:56
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]