中国路径:推动企业年金、职业年金从"自愿"向"准强制"转型，探讨对未建立年金的企业征收额外税费。简化管理流程，降低中小企业参与门槛。结合产 业政策，对高新技术、绿色产业企业给予年金补贴。 国际经验:美国IRA账户允许个人自主投资，税收递延政策吸引中高收入群体;新加坡中央公积金(CPF)提供多元化投资选项，满足个性化需求。 国际经验:美国OASDI计划通过指数化月平均工资计发养老金，缩小收入差距;德国法定养老保险采用"现收现付"与"个人账户"结合模式，增强抗风险能 力。 中国实践:推进基本养老金全国统筹，以"一个蓄水池"提升资金的互济共济功能，解决区域间基金不平衡问题。探索"基础养老金+个人账户"双轨制，提高 低收入群体补贴比例。试点长期护理保险(长护险)，覆盖4500万失能老人，2024年累计支出超850亿元。 国际经验:澳大利亚超级年金计划通过立法强制雇主缴费，覆盖率超90%;加拿大注册养老金计划(RPP)提供税收优惠，激励企业参与。 中国创新:扩大个人养老金试点范围，提高年度缴费上限至3万元，增加税收优惠力度。2025年起，个人养老金制度在全国推开，EET (缴费投资免税、领 取征税)模式激励下，首月开户 ...

近日，2025天津国际银发经济博览会（以下简称银博会）在国家会展中心（天津）举行，静海区多家企 业积极参展。其中，天津子牙经济技术开发区高新产业园（以下简称高新产业园）携7家核心企业集中 亮相，并成功签约2单重点项目，助力银发经济发展。 走进展会的高新产业园银发经济展区，康复辅 具、医养健康产品、医疗器械等各类适老产品琳琅满目，吸引不少市民前来体验，详细询问产品功能与 使用方法。作为此次展会的"重头戏"，高新产业园签约强脉冲光干眼治疗仪规模化生产、医工融合创新 转化平台两大重点项目，不仅为区域银发经济高质量发展注入新动能，更按下了国家级银发经济产业园 建设的"加速键"。（天津日报） ...

Core Insights - The article emphasizes the proactive measures taken to address the aging population in China, particularly through the development of community-based elderly care services and the integration of new technologies in these services [2][3]. Group 1: Policy and Infrastructure Development - The "14th Five-Year Plan" aims to establish a national basic elderly care service system and accelerate the construction of a three-tier elderly care service system covering urban and rural areas [2]. - By the end of the "14th Five-Year Plan" period, 2,990 elderly-friendly communities and 500 community-based elderly care service networks have been established, with a total of 40,600 elderly care institutions and facilities [2]. - 224,000 households of elderly individuals with special difficulties have completed home modifications for aging in place, and 86,000 meal service points serve over 3 million elderly individuals daily [2]. Group 2: Community Initiatives and Technological Integration - In Lianyungang's Kuihua Community, a resource integration effort led to the establishment of an 800 square meter intergenerational care center, which includes a community canteen, rehabilitation therapy, and cultural activities [2]. - The community has equipped homes of elderly individuals with wheelchairs, nursing beds, smoke detectors, and fall alert devices, showcasing the integration of smart home technology [2]. - New technologies such as smart calling systems and elderly care robots are increasingly entering households, with a growing number of professionals engaging in the silver economy [3]. Group 3: Resident Experiences and Expectations - Residents of Kuihua Community report significant improvements in their quality of life, with affordable smart home installations enhancing their living conditions [3]. - The availability of various interest classes and advanced sports facilities has greatly satisfied the physical and mental needs of the elderly [3]. - There is a strong anticipation for the future of elderly care, with expectations for more information technology and high-tech solutions to be implemented in the community [3][4].

Core Viewpoint - The article emphasizes the importance of implementing employment-first strategies and improving people's livelihoods in response to the current economic situation in Guangxi and Guangdong provinces [1] Group 1: Employment and Economic Stability - The government is urged to accelerate the implementation of policies aimed at stabilizing employment and the economy, particularly as the year-end approaches [1] - There is a focus on supporting enterprises to stabilize and expand employment, with specific attention to the employment of college graduates and migrant workers [1] - The article highlights the need for assistance to vulnerable groups in employment and addressing wage arrears for migrant workers [1] Group 2: High-Quality Development and Innovation - The government is encouraged to focus on high-quality development by fostering new productive forces and promoting technological innovation and industrial development [1] - There is an emphasis on creating new job opportunities and developing new occupational positions through large-scale vocational skills training initiatives [1] - The article calls for the improvement of employment support and public service systems to achieve annual employment targets [1] Group 3: Aging Population and Social Welfare - The article stresses the need to actively respond to population aging by optimizing basic elderly care services and enhancing urban-rural elderly care networks [1] - There is a push for the development of smart elderly care and the silver economy, promoting the coordinated development of elderly care services and industries [1] - The government is urged to fully implement various welfare policies and strengthen monitoring and care services for vulnerable children [1]

她强调，要积极应对人口老龄化，优化基本养老服务供给，完善城乡养老服务网络，加快发展智慧养 老，大力发展银发经济，推动养老事业和产业协同发展。要全面落实各项惠民政策，加强困境儿童监测 摸排和关爱服务，完善分层分类社会救助体系，扎实做好困难群众基本生活保障。 《 人民日报 》（ 2025年11月22日 02 版） (责编：胡永秋、杨光宇) 谌贻琴先后来到广西柳州、南宁和广东肇庆、广州，深入企业、产业园区、就业服务机构、儿童关爱服 务站等，了解企业用工、智慧康养、困境儿童关爱保护等情况。她指出，当前临近年末岁尾，要加快落 实好今年出台的稳就业稳经济一揽子政策，支持企业稳定和扩大就业，切实抓好高校毕业生、农民工就 业工作，加强困难群体就业援助和农民工欠薪治理。要聚焦高质量发展，因地制宜发展新质生产力，着 眼科技创新和产业发展，积极创造新的就业机会，开辟更多新职业岗位，开展好大规模职业技能提升培 训行动，完善就业支持和公共服务体系，坚决完成全年就业目标任务。 新华社广州11月21日电 国务委员谌贻琴16日至21日在广西、广东调研就业、民政工作。她强调，要深 入学习贯彻党的二十届四中全会精神，认真落实习近平总书记在两省（ ...

展会创新采用"1+M+N"活动框架，同期举办跨境电商论坛、企业推介会等专业活动，乌兹别克斯坦等国际展团将 开展经贸交流。面向市民的配套活动精彩纷呈：达人探馆直播带观众"云逛展"，民俗展演彰显传统文化魅力，无 门槛扫码抽奖活动覆盖S9馆、S16 馆等核心区域，日用百货、医护用品等海量好礼实时派送。 天津北方网讯：11月21日，第30届中国天津投资贸易洽谈会在国家会展中心（天津）启幕，为期三天的展会以"新 消费?新场景?新动能：全球视野 汇聚津门"为主题，创新联动银发经济博览会及福祉展，构建"展、产、文、消"深 度融合的交流体系。 本届津洽会设置四大主题展馆集群与多个特色展区。津门老字号矩阵重磅集结。桂发祥、达仁堂、天立独流老醋 等品牌通过非遗技艺展示、互动体验等形式亮相；全国特色农产品、文创精品与进口数码、智能家居等全球尖货 一站式汇聚，满足市民品质消费需求。福祉生活体验区集中展示了适老助残黑科技，包括上坡助力轮椅、AR助听 眼镜、智能护理床等创新产品，用科技赋能民生福祉。 为方便市民参会，组委会打造全维交通方案：地铁 1 号线直达"国家会展中心站"，9条公交线路覆盖多区域P5停车 场车位充足；咸水沽镇、辛庄镇 ...

当前，智慧养老已成为应对人口老龄化的重要解决方案之一。年初至今，大连市、杭州市、广州市、北 京市、重庆市、上海市、西安市等多地均已加码布局智慧养老，赋能银发经济高质量发展。 2024年1月份，国务院办公厅发布的《关于发展银发经济增进老年人福祉的意见》提出，推进新一代信 息技术以及移动终端、可穿戴设备、服务机器人等智能设备在居家、社区、机构等养老场景集成应用。 受政策驱动，智慧养老产品与服务供给日益丰富。中国商业经济学会副会长宋向清向《证券日报》记者 表示，当前，智能轮椅、可穿戴设备、家用健康监测设备、中医体质辨识设备、养老机器人等不少产品 的科技含量较高，为老年人带来了更有品质、更有温度的生活体验。其中，养老机器人正加快走进现实 生活，为完善发展养老事业开拓了新思路。 值得关注的是，养老服务领域长期存在的供需错配问题，为智慧养老产品与服务从"试水"走向"普及"提 供了广阔的市场空间。 朱华雷分析称，智慧养老平台不是简单的数据平台，而是重新定义养老产业的基础设施，作为串联各方 资源、打通服务壁垒的核心枢纽，其正推动养老服务向数字化、精细化、普惠化发展。 业内人士普遍认为，当前，各地智慧养老平台正经历从量变到质变 ...

Core Viewpoint - The collaboration between Beijing Rural Commercial Bank and 16 time-honored enterprises aims to create a comprehensive "elderly finance + consumption" service ecosystem, enhancing the quality of life for the elderly in Beijing [1][4]. Group 1: Strategic Collaboration - The signing ceremony took place at the headquarters of Beijing Rural Commercial Bank, marking a significant partnership with various old brands to address the aging population's needs [4]. - Beijing Rural Commercial Bank has issued nearly 6.4 million elderly assistance cards and provided approximately 9 billion yuan in credit to 43 time-honored brands over the past decade [4]. Group 2: Service Ecosystem Development - The newly established ecosystem focuses on resource integration, scenario co-construction, and service linkage in areas such as health management, cultural experiences, and quality consumption [5]. - The bank aims to create a "Beijing model" in the elderly finance sector, contributing to a society where the elderly are well cared for, secure, and happy [5].

深圳牢牢把握新一轮科技革命和产业变革深入发展的重大机遇，推动养老事业和养老产业协同发展。在 深圳养老护理院，一批科技感满满的智能设备已经"上岗"。智慧养老AI守护产品"隐形护理员"，集火灾 监测、跌倒监测、走失监测等多项功能于一身；"便携式智能助浴机"实现了在床上助浴，该机器还具备 按摩功能；"生命体征监测系统"借助人工智能和物联网设备完成床位智能化看护，可随时掌握老年人安 全和健康动态。AI康复治疗机器人、艾灸机器人、AI棋类机器人……深圳以科技为引领，促进各类先 进生产要素进入养老服务业，延伸养老产业链条，激发养老产业活力，推动新技术、新产品、新场景与 养老服务的快速融合。 深圳这座以"年轻"著称的城市，正以养老服务为龙头牵引，带动事业产业发展，着力统筹政府、市场、 社会三方力量，贯通养老全生命周期链条，把惠民生和扩内需、促产业结合起来，打造"老有颐养"新标 杆、激发银发经济新活力。 深圳每两年开展一次养老服务需求调查，动态调整27项基本养老服务清单。通过规划建设、税费优惠等 51条扶持政策，吸引大批社会资本投资养老产业，公建民营、民办养老机构占比85.5%。市场力量加速 涌入，全市涉老企业数量6842家 ...

采访中记者了解到，葵花社区里，60岁以上老人超过三分之一，居家养老需求旺盛。但几年前，别说这 些新设备，社区里甚至没有供他们活动的固定区域。 央视网消息（新闻联播）："十五五"规划建议提出，要积极应对人口老龄化，优化基本养老服务供给， 完善城乡养老服务网络。在江苏连云港葵花社区，随着新技术、新服务加快下沉，越来越多的老人在家 门口就能享受到便捷贴心的养老服务。 穿上外骨骼机器人爬楼梯，戴着手部康复机器人修复关节功能……在江苏连云港葵花社区，老年人正抢 着试用这批新到的智慧康养设备。 在各项政策的支持下，葵花社区整合资源，建起了一个占地800平方米的老幼共托中心，社区食堂、康 复理疗、文体活动一应俱全。社区还为高龄、残疾老人的家里配备了轮椅、护理床，安装烟雾感应器、 防摔报警器等智能居家设备。 眼下，智慧呼叫系统、养老机器人等新技术加快走进家庭生活，更多的专业人才投身到银发经济这片蓝 海，谈到未来的养老生活，大家充满期待。 面对全国3亿多银发族的居家养老难题，"十四五"时期，我国全面建立国家基本养老服务制度，加快构 建覆盖城乡的三级养老服务体系。全国建成2990个示范性老年友好型社区和500个示范性社区居家养老 ...