2025年，站在"十四五"收官与"十五五"规划谋篇的历史衔接点上，宏观经济环境交织着机遇与挑战。时 值年末，全球经济仍在波动中寻找复苏节奏，而中国经济已在政策合力下展现出韧性底色。随着中央经 济工作会议敲定"稳中求进、提质增效"的2026年基调，"十五五"开局之年，中国经济如何平衡短期修复 与长期转型？该如何实现消费的长期可持续增长？强化"内循环"与推进"高水平对外开放"这两大战略， 又该如何协同发力？ "十五五"规划建议中，15次提及"民生"，明确指出要"注重在发展中保障和改善民生，在满足民生需求 中拓展发展空间"，并再次提及"发挥各类商业保险补充保障作用"。锁凌燕表示，"十五五"规划建议也 指出了保险在多层次、多支柱养老保险体系的重要定位：一方面是要助力夯实养老保障，包括参与第一 支柱基本养老保险基金运营，做维护基金安全、促进基金保值增值的"助力者"；服务第二支柱企业年金 和职业年金发展，做基金依法合规健康运营的"协作者"；积极发展第三支柱养老保险及更多具有养老保 障功能的保险产品与服务，做满足人民群众多样化养老需求的"力行者"。另一方面则是要积极关注保障 与经济发展的取向一致性，畅通"资金—资本—资产" ...

Core Viewpoint - The insurance industry is positioned to play a crucial role in enhancing pension finance and addressing the challenges posed by an aging population during the "14th Five-Year Plan" period, with a focus on collaborative efforts across the "three pillars" of pension finance [1][5]. Group 1: Pension Finance and Insurance Industry - In 2026, the insurance industry will focus on pension finance as a core area, with policies and market forces driving the collaboration of the "three pillars" from design to implementation [1]. - The insurance sector is expected to fill gaps in basic social security through inclusive products and services, while addressing longevity risks and capital preservation pressures with annuity schemes and cross-cycle risk management [1][5]. - The development of pension finance is seen as a strategic pillar for enhancing the long-term stability of the pension system and improving residents' welfare [5]. Group 2: Investment Strategies and Challenges - The value of insurance funds as "patient capital" will become more prominent, requiring a shift from being "simple investors" to "professional experts" through enhanced long-term assessment mechanisms and deep industry research [2][8]. - The insurance industry must address challenges such as low interest rates and the balance of risks and returns in technology investments while ensuring long-term investment stability and solvency [8][10]. - A focus on professional depth and risk management is essential for the insurance sector to transition from passive "value guardians" to active "value creators" [10]. Group 3: Product Innovation and Consumer Needs - The insurance industry faces a mismatch between personalized consumer demands and standardized products, necessitating fundamental reforms in product design and service ecosystems [12]. - Advanced technologies like big data and AI can help the insurance sector provide more personalized services and products by analyzing customer needs and optimizing risk management [13][14]. - The integration of insurance products with health management and long-term care services is crucial for reducing overall pension costs and enhancing the resilience of the pension finance system [6][14]. Group 4: Regulatory and Ethical Considerations - The insurance industry must balance technological innovation with compliance and ethical standards, particularly as AI applications evolve from single-point solutions to comprehensive empowerment across the value chain [14][15]. - There is a need for regulatory frameworks that not only correct errors but also allow for experimentation and innovation within the insurance sector [15].

Group 1 - The core viewpoint is that digital consumption is thriving in China, driven by advancements in digital infrastructure such as 5G and artificial intelligence, which are expanding consumption scenarios [1] Group 2 - In the elderly care sector, over 300,000 digital classrooms have been established nationwide to teach seniors skills like using AI to prevent fraud, with revenue from smart elderly care technology services and wearable devices increasing by 33.7% and 32.6% year-on-year, respectively [3] Group 3 - The digital consumption landscape is broadening beyond elderly care, with products like smart home devices and AI glasses gaining popularity; in July, the manufacturing value added for smart drones and smart vehicle equipment increased by 80.8% and 21% year-on-year, respectively, while the production of civilian drones rose by 18.9% [5] Group 4 - New digital consumption models are emerging, with mobile internet users experiencing double-digit growth in data usage for six consecutive months; in the first seven months of this year, instant retail and live e-commerce transaction volumes also saw double-digit growth across various sectors, including food, beauty, pharmaceuticals, and travel [7]

Core Viewpoint - The article highlights the successful completion of the preliminary round of the second "Zijing Cup" National College Financial Education Debate Competition, focusing on themes such as digital economy, silver-haired industry, inclusive finance, and digital finance [1][6]. Group 1: Competition Overview - The preliminary round featured debate teams from 48 universities across the country, with 24 teams advancing to the next round [1]. - The event was organized by Tsinghua Wudaokou in collaboration with China Post Insurance, showcasing the engagement of young talents in financial discourse [1]. Group 2: Debate Themes - The debates centered on critical issues including the role of young people in upgrading the silver-haired industry, emphasizing the need for professional capability leapfrogging and intergenerational equity [11][23]. - Discussions on digital finance highlighted the necessity of balancing business transformation efficiency with risk prevention, stressing that a robust regulatory framework can accelerate high-quality development [12][13]. Group 3: Key Insights from Judges and Participants - Judges noted the complex mindset of young participants, who seek both professional growth through technological advancements in elder care and emotional fulfillment from their contributions to society [7]. - Participants argued that the silver-haired industry requires a shift in perspective, recognizing elderly individuals as active societal participants rather than passive recipients of services [23]. Group 4: Financial Culture and Economic Service - The debate emphasized that the sustainable development of China's financial culture relies on adhering to the fundamental purpose of serving the real economy while adapting to innovations in the digital economy [18][20]. - The importance of opportunity equality in inclusive finance was highlighted, asserting that without it, sustainability becomes meaningless [15].

Core Viewpoint - The article highlights the transformation of vocational education in response to the aging population in China, particularly through the establishment of specialized programs in elder care and health management [2] Group 1: Industry Response - The aging population in China has created a demand for skilled professionals in the "silver economy" sector [2] - Laiwu Vocational and Technical College has formed a "Smart Health and Care Professional Group" by integrating four specialized programs: Nursing, Rehabilitation Therapy, Elderly Health and Management, and Smart Elderly Services and Management [2] Group 2: International Collaboration - The college has partnered with Finland's Rovaniemi University of Applied Sciences to establish the "China-Finland Health and Care Academy" [2] - This collaboration includes the introduction of international courses and the establishment of "bilingual and dual-teacher" classrooms, providing students with opportunities for overseas study and cross-border services [2]