2026.03. 05 "创新药"连续三年被写入政府工作报告。今年政府工作报告再次提出"推动创新药和医疗器械高质量 发展"，同时也要"加快发展商业健康保险"。 3月5日，十四届全国人大四次会议开幕，国务院总理李强作政府工作报告。在部署今年"更大力度保 障和改善民生"相关工作时，今年报告提出，加快发展商业健康保险，推动创新药和医疗器械高质量 发展，更好满足人民群众多元化就医用药需求。 2024年政府工作报告首提"创新药"。2025年政府工作报告进一步明确，健全药品价格形成机制， 制定创新药目录，支持创新药和医疗器械发展。 根据国家药监局数据，2025年我国已批准上市的创新药达76个，超过2024年的48个，创历史新 高。此外，2025年我国创新药对外授权交易总金额超过1300亿美元，授权交易数量超过150笔，同 样创历史新高。 同年，国家医保局首版商保创新药目录公布，并于当年年底推出中国药品价格登记系统，标志中国在 健全药品价格形成机制，深度融入全球医药市场等方面迈出关键一步。 随着去年政府工作报告中"支持创新药和医疗器械发展"的相关政策陆续落地，医疗战略咨询公司 Latitude Health创始人赵衡在接受 ...

2026年政府工作报告中都有哪些亮点？与以往有哪些不同？ 经济观察报两会报道组为您逐个解读。 作者： 两会报道 组 封图：东方IC 2026年3月5日上午9时，十四届全国人大四次会议开幕，国务院总理李强作政府工作报告。报告中都有哪些亮点？与以往有哪些不同？经济观察报两会 报道组为您逐个解读。 关键词：经济增长4.5%－5% 报告原文：经济增长目标同2035年远景目标总体衔接，与我国经济长期增长潜力基本吻合，实现这个目标具备有利条件，各地区要结合实际，通过扎 实工作争取好的结果。 经观说： 2023—2025年，中国GDP增速目标均设定为"5%左右"，且实际增速均完成预期，三年分别实现5.2%、5%、5%。2026年GDP增速目标调整 为4.5%—5%，进一步体现出政策"积极务实"的取向。 一方面，采用区间增速目标，并在实际工作中争取更好的结果，体现了"从坏处打算、向最好处努力"的思路。 以中国当前的经济体量和发展阶段，即便按"4.5%"下限测算，也已是一个较高的增速。按照此前多位研究者测算，要实现2035的远景目标，经济增速 要达到4.4%或4.5%以上；而"5%"这一上限则有利于调动各方积极性。今年政府工作 ...

北京商报讯（记者 胡永新）2月25日，北京商报记者了解到，四川省人民政府办公厅近日印发的《关于 进一步促进服务业创新突破的实施意见》提出，丰富多层次养老服务，扩大长期护理保险制度覆盖面。 吸引社保基金等国家级基金、保险公司、金融资产投资公司设立或者投资创业投资基金。引导有条件的 地区申建期货交割库，探索开展"保险+期货"服务。 ...

哈尔滨市安康社会福利院院长 陈宏：我们希望通过政策上的支持、待遇上的扶持来更多地吸引一些年轻人投入养老行业，因为他们现在的待遇不高，但是 他们的付出却很多，所以这样也是很难招聘更多的人投入养老行业。 哈尔滨森海医养中心护理人员 韩金玲：很多年轻人不从事这个行业，因为看不到自己未来的发展方向，他就觉得你干多少年，你还是个护工。例如我们干 多少年可以考什么证，或者干多少年以后可以往上再晋升一些，给我们一个进步的机会。 哈尔滨森海医养中心负责人 卢继东：我们来入职的护工掌握的知识是参差不齐的，需要行业监管，对于我们企业发展来说有个规范，有个统一培训的标 准。 央视网消息：全国人大代表于洋是一名深耕护理领域20多年的医务工作者，群众在医疗、养老等民生领域的急难愁盼问题一直是她关注的重点。照护人才培 养与照护体系建设也是她履职调研的重点方向。 在齐齐哈尔医学院附属第三医院的病房里，于洋正围绕长期护理、照护体系建设等话题倾听患者家属想法和建议。 当选全国人大代表以来，于洋经常利用业余时间在所任职的医院与患者家属、医护人员进行交流，从中发现实际问题。去年两会，于洋提出的"关于尽快制 定《长期护理保险制度》的建议"，得到了国 ...

"长护险制度是为失能人员的基本生活照料和与之密切相关的医疗护理提供服务或资金保障的社会保险 制度，是社会保障体系的重要组成部分，是继养老、医疗、失业、工伤、生育五大社会保险之后的'第 六险'。"省医保局有关负责人介绍。 建立长护险制度，具有四个方面意义：积极应对人口老龄化，保障失能人员长期护理基本需求，推进健 康老龄化；进一步健全社会保障体系、补齐民生短板的重大制度安排，建立政府、社会、家庭和个人共 同化解失能带来经济风险的制度机制，解除失能群众的后顾之忧；贯彻新发展理念，为养老服务业和健 康产业带来较为稳定的资金投入；弘扬孝悌忠信、孝老爱亲中华传统美德，推动形成尊敬老人、关爱老 人、赡养老人的良好社会风尚。 根据实施方案，制度建设总要求是：覆盖全民、统筹城乡、公平统一、安全规范、可持续。 （来源：河北新闻网） 转自：河北新闻网 河北省计划用三年时间分步推进长期护理保险（以下简称"长护险"）制度建设：2026年底前，全省各统 筹地区启动制度，优先覆盖单位职工、退休人员、灵活就业人员等群体；2027年底前，启动未就业城乡 居民参保缴费工作；2028年底前，基本建立适应河北省的长护险制度，实现政策体系统一规范、保 ...

Core Viewpoint - The establishment of a long-term care insurance (LTCI) system in Hebei Province aims to provide financial support and services for individuals with disabilities, enhancing the social security framework and addressing the needs of an aging population [1][2]. Group 1: Implementation Plan - The LTCI system will be rolled out in phases over three years, with full implementation expected by the end of 2028, prioritizing coverage for employed individuals, retirees, and flexible workers [1][3]. - The system aims for universal coverage, integrating urban and rural areas, ensuring fairness, safety, and sustainability [3]. Group 2: Funding Mechanism - Funding for the LTCI will be sourced from multiple channels, including individual contributions, employer payments, and government subsidies, with encouragement for social donations [3]. - For employed individuals, contributions will be shared between employers and employees, while retirees will contribute individually without employer involvement [3]. Group 3: Benefits and Services - Individuals must undergo a disability assessment to qualify for LTCI benefits, with a focus on supporting severe disability cases initially [4][5]. - The benefits will cover various care options, including home care, community care, and institutional care, with a payment structure linked to contributions [5].

Macro and Strategy Research - Long-term care insurance (referred to as "long-term care insurance") is designed to mitigate the financial risks associated with long-term disabilities, providing economic security or service payments to individuals requiring ongoing personal care and medical assistance. There are three models in practice: social insurance, commercial insurance, and care allowances. To address the medical care needs arising from an aging population, China's long-term care insurance system has been piloted in 49 cities, transitioning from a "pilot" phase to a "promotion" phase during the 14th Five-Year Plan period [2][4]. - Japan's long-term care insurance was implemented in 2000, mandating that individuals over 40 must enroll. Funding is shared equally between public funds (taxes) and insurance premiums. Care service costs are generally covered 90% by the insurance, with individuals responsible for 10%, and some high-income groups covering 20-30%. The application process for care services follows a detailed recognition process, ensuring that public resources are prioritized for those in greatest need. As of April 2024, approximately 6.7% of the insured population utilizes care services, indicating that the insurance primarily addresses the low-frequency, high-risk care needs of the elderly [3]. - Currently, China's long-term care insurance system is still in the "pilot" stage, with only 0.8% of beneficiaries among participants as of 2024. Under the directive to "promote long-term care insurance" during the 14th Five-Year Plan, provinces like Hainan, Yunnan, and Hebei have released implementation plans. The insured groups include employees, retirees, flexible workers, and unemployed rural residents, with payment ratios of approximately 70% for employees and around 50% for non-employed rural residents [4]. - In comparison, there are notable differences between China's long-term care insurance and Japan's system in terms of funding sources, insured groups, benefit systems, and protected populations. Japan's long-term care insurance has undergone eight rounds of reforms, emphasizing a "prevention-first" approach, which can help control costs and establish community prevention and intervention systems for mild disabilities, serving as a significant reference for China's long-term care insurance system [5]. Fund Research - The public fund market saw a total scale exceeding 280 billion yuan, with the equity market experiencing a downturn. During the week from February 2 to February 6, 2026, all major equity indices declined, with the largest drop being 5.76% in the STAR 50 index. Among 31 primary industries, 18 saw gains, with the top five performing sectors being food and beverage, beauty care, electrical equipment, comprehensive, and transportation [6][8]. - The average decline for equity funds was 2.27%, with only 18.81% achieving positive returns. Fixed-income plus funds fell by an average of 0.23%, with 40.77% showing positive returns. Pure bond funds increased by 0.08%, with a remarkable 98.70% positive return rate. The average decline for pension target funds was 0.73%, with only 3.52% achieving positive returns. QDII funds also saw an average decline of 2.54%, with 13.95% showing positive returns [8]. - The ETF market experienced a net inflow of 14.899 billion yuan, with only cross-border ETFs achieving net inflows of 21.624 billion yuan. The average daily trading volume in the ETF market reached 619.629 billion yuan, with an average turnover rate of 9.49% [8]. Industry Research - The report highlights the importance of the upcoming Spring Festival consumption, with a focus on the potential recovery of valuations in the home furnishing sector. Nine departments have jointly issued a document to create a festive consumption atmosphere during the Spring Festival [10][13]. - From February 2 to February 6, the light industry manufacturing sector outperformed the CSI 300 index by 2.29 percentage points, while the textile and apparel sector outperformed by 2.66 percentage points [10]. - The Ministry of Commerce and other departments have launched the "2026 'Happy Shopping Spring' Special Activity Plan," which will take place from February 15 to 23, aiming to stimulate consumption through innovative cross-sector collaborations and incentives to enhance consumer participation. This policy is expected to positively impact the consumption of home appliances and home decoration products during the implementation period [13].

Group 1 - The core viewpoint of the report emphasizes the importance of establishing a long-term care insurance (LTCI) system in China to address the financial risks associated with long-term disabilities and to provide economic security for individuals requiring continuous care [2][11][14] - The report outlines three models of LTCI: social insurance, commercial insurance, and care allowances, highlighting the characteristics and objectives of each model [11][12][13] - The report indicates that China's LTCI system is currently in the pilot phase, with plans to transition to a broader implementation during the 14th Five-Year Plan period, aiming to establish a comprehensive care system for the elderly [15][16] Group 2 - The report provides insights into Japan's long-term care insurance (介护险) system, which was established in 2000, requiring individuals over 40 to participate, with funding shared between government and insurance fees [18][21] - It details the current status of Japan's介护险, noting that as of April 2024, the number of insured individuals aged 65 and above reached 35.91 million, with service users totaling 5.29 million, indicating a significant increase since the system's inception [31][34] - The report discusses the reform directions of Japan's介护险, focusing on transitioning from passive care to proactive prevention, restructuring financial burdens, and integrating medical and care information systems [37][40] Group 3 - The report outlines the current state of China's LTCI, noting that as of 2024, 18.786 million individuals are participating, representing 50% of the basic medical insurance group, with a gradual increase in the number of beneficiaries [44][47] - It highlights the differences between China's LTCI and Japan's介护险 in terms of funding sources, coverage, and benefit structures, emphasizing China's focus on establishing a self-sustaining insurance model [56][57] - The report suggests that Japan's experience in developing a preventive care system can provide valuable lessons for China as it seeks to establish its LTCI framework [60]

随着我国人口老龄化程度不断加深，失能老年人数量持续增长。国家卫生健康委数据显示，我国失能失 智老人已超4500万人，平均每6名老年人中就有1名需要长期照护。面对庞大的照护需求，传统的家庭照 护模式已难以为继。长期护理保险制度的确立，正是对"一人失能、全家失衡"这一社会痛点的系统性回 应。 2025年7月，中共中央办公厅、国务院办公厅印发《关于加快建立长期护理保险制度的意见》，明确提 出了"到2030年基本形成适应我国经济发展水平和老龄化发展趋势的长期护理保险制度"的总体目标。 《金融时报》记者注意到，近期，河北、云南、海南、广西柳州、广东清远等地相继出台长护险实施方 案，探索社保"第六险"的中国路径。 筹资机制从单一依赖到多元探索 自2016年启动试点以来，截至2025年底，长护险制度已覆盖近3亿人，累计惠及超330万失能群众，基金 支出超千亿元。试点地区的实践表明，长护险在缓解家庭照护压力、提升失能人员生活质量方面发挥了 积极作用。 不过，试点也暴露出长护险制度设计中的一些深层次问题。如筹资机制过度依赖医保基金划转，导致制 度的独立性和可持续性不足；服务供给体系不健全，"有钱买不到服务"的现象时有发生；地区 ...

Group 1 - The core focus of local government work reports for 2026 emphasizes "stabilizing employment" and "enhancing people's livelihoods" as key priorities [1] - Multiple regions have set specific employment targets, such as Beijing aiming for at least 280,000 new urban jobs and Guangdong targeting over 1.1 million new urban jobs [1] - The implementation of "stabilizing jobs, expanding capacity, and improving quality" actions is highlighted as a crucial strategy to address current employment challenges [2][3] Group 2 - Skills enhancement is identified as a critical factor for stabilizing employment and increasing income, with over 11 million subsidized training sessions planned for 2025 [2] - Various provinces have detailed skill training initiatives, such as Shandong's plan to train 400,000 individuals and Guangdong's focus on vocational skill improvement [3] - The Ministry of Human Resources and Social Security plans to implement targeted training actions for key groups and sectors, including youth and migrant workers [3] Group 3 - The reports also address the "one old and one young" support system, focusing on elderly care and childcare services as essential components of social welfare [4] - Specific measures include the establishment of new elderly service centers and the enhancement of long-term care insurance systems in regions like Beijing and Guangdong [4] - Childcare initiatives are also emphasized, with plans for new childcare service centers and quality improvement actions in provinces like Shandong and Guangdong [4] Group 4 - Experts note that the government's focus on employment, elderly care, and childcare reflects a strong commitment to improving the quality of life for families [5] - The financial allocation towards social welfare is expected to create a supportive environment for employment, elderly care, and childcare, enhancing overall public satisfaction and happiness [5]