随着60后、70后群体逐步迈入退休生活，"新银发族"对于自我、品质、价值实现的追求，正在构筑起一 个涵盖健康、文娱、科技、时尚的数十万亿级新消费市场。他们以充沛的活力、可观的财富和全新的生 活态度，打破对老龄群体"负担""拖累"等刻板印象，推动"银发经济"从边缘走向经济舞台的中央。 "十五五"规划建议提出，积极应对人口老龄化，优化基本养老服务供给。民政部部长陆治原日前接受采 访时表示，积极促进银发经济发展，推动出台银发经济高质量发展支持措施。 我国正慢慢步入人口老龄化社会。中国人口与发展研究中心预测，"十五五"时期我国老年人口将快速增 长，规模将从当前的约3.1亿人增加到2030年的3.9亿人。曾经被视为"夕阳议题"的老年消费市场，正在 以"朝阳产业"的姿态，重构中国经济的边界与内涵。 蓝海市场： 30万亿规模的"朝阳产业" 银发经济，作为向老年人提供产品或服务，以及为老龄阶段做准备等一系列经济活动的总和，其未来发 展的确定性，根植于中国社会人口结构的深刻变化中。 2024年1月，国务院办公厅印发《关于发展银发经济促进老年人福祉的意见》，成为我国首个以"银发经 济"命名的政策文件。该意见要求加快银发经济规模化 ...

吴玉韶 复旦大学老龄研究院副院长、教授、博士生导师，中国社会福利与养老服务协会会长。主持起 草国家级、部委文件30多个，参与《国家积极应对人口老龄战略研究》，主持省部研究课题20多个。 随着我国人口老龄化进程加速，养老服务已超越传统民生范畴，被赋予了保障社会福祉与培育经济新动 能的双重使命。从"十二五"到"十四五"，中国的养老服务体系实现了从无到有、从弱到强的历史性跨 越。面向即将到来的"十五五"时期，养老服务改革将如何深化？如何构建成熟定型、可持续的中国特色 养老服务体系？为此，《理论研究》专访了复旦大学老龄研究院副院长、中国社会福利与养老服务协会 会长吴玉韶教授。 顶层逻辑 六是安全监管。随着市场快速发展，风险防控是底线。政策加强了对预收费、非法集资等资金风险的监 管，建立了风险保证金制度。同时，健全服务标准与评价体系，强化消防安全，畅通投诉渠道，确保老 年人的生命财产安全和合法权益。 这六大逻辑是一个有机整体，共同推动着养老服务向更高质量、更有效率、更加公平、更可持续的方向 发展。 《金融时报》记者：近年来，关于养老服务的政策文件密集出台，形成了一套鲜明的改革逻辑。请您阐 释下当前养老服务改革的顶层设计 ...

Core Insights - The event "2025 Shanghai Silver Technology Industry Week and Development Conference" focuses on the "silver technology industry" and showcases advancements in the "AI + elderly care" sector [1] - The conference features six major areas of discussion including robotics and smart rehabilitation, AI smart health care, brain-machine interfaces, cognitive and memory protection, smart home monitoring, and joyful aging [1] - The event also launched the Shanghai Silver Technology Industry Innovation and Entrepreneurship Competition and introduced initiatives for the development of the silver technology industry [1] Group 1 - The conference is the first of its kind in China dedicated to the "silver technology industry" [1] - The event spans three days from December 11 to December 13, highlighting the growing ecosystem of "AI + silver" industry [1] - Key initiatives announced include the Shanghai Initiative for Silver Technology Industry Development, the Silver Technology for Good Covenant, and the establishment of industry standards for age-friendly electronic products [1]

■中国经济时报记者 王丽娟 11月29日，由中国经济时报社主办的经济前瞻论坛2025年会在北京首都宾馆举行。中国社会福利与养老服务协会会长，复旦大学老龄研究院副院长、教授 吴玉韶作《"十五五"养老服务政策与实践发展展望》主题演讲。 吴玉韶在介绍我国老龄化及养老服务发展进程时表示，从2013年养老服务业发展元年以来，经过"十二五""十三五""十四五"三个五年规划的部署，我国养 老服务业从无到有、从小到大、从量到质实现了突破性、跨越式发展，取得了历史性成就。 党的二十届四中全会对"十五五"养老事业作出部署。"'十五五'将是我国进入老龄化社会以来，老龄化发展最快的时期。按中央部署，到2035年中国特色养 老体系成熟成型，'十五五'是体系构建关键期。"他认为。 四是从粗放到精细精准转变。养老服务当前的主要矛盾是供求与需求不"适配"。"十五五"期间，要从"有没有"到"优不优""好不好"转变，在经济面临下行 压力宏观背景下，养老服务政策要从"漫灌"到"滴灌"转变，更加强调精细化和精准化。为此，要重视养老评估的重要性。 五是从信息化到智能化转变。我国养老服务与信息化发展相伴随，从建设信息平台开始，实现了从跟跑、并跑到领跑的 ...

Core Viewpoint - The launch of the "Zhaoxi Companion" app by Suning.com marks a significant advancement in AI-driven elderly care services, integrating health management, lifestyle services, and smart shopping into a comprehensive ecosystem for senior citizens [1][6]. Group 1: Product Features - The "Zhaoxi Companion" app utilizes the "Ling Si" large model and AI assistant "Xi Xi" to provide a user-friendly interface for elderly users, enabling them to easily record health data and receive professional analysis and reminders [1][3]. - The app allows seniors to input health metrics such as blood pressure and blood sugar through voice commands, automatically categorizing and analyzing this data to generate dynamic health reports and reminders for medication and check-ups [3][6]. - It offers a full-process shopping experience that includes voice selection, qualification verification, and cash on delivery, covering six major categories of products [3]. Group 2: Service Integration - The app aims to create a 15-minute elderly care service circle by integrating Suning's store network, supply chain, and service capabilities, facilitating easy access to high-quality elderly care products and services [3][6]. - Suning's offline service network can respond to appliance repair requests within two hours, significantly faster than the industry average, enhancing the overall service experience for elderly users [3][6]. Group 3: Strategic Importance - The launch of the "Zhaoxi Companion" app aligns with national policies promoting elderly care and the integration of medical and nursing services, positioning Suning.com as a pioneer in the "AI + elderly care" sector [6]. - The company plans to implement a "Silver Digital Adaptation Program" by 2025, providing free training on AI assistants and smart home usage in a hundred cities, aiming to improve the quality of life for millions of elderly individuals [6].

Core Insights - The potential of the silver economy in China is being increasingly recognized as the country enters a moderately aging society, with various regions beginning to develop the elderly care industry [1] - The market size of China's elderly care industry is projected to reach 12 trillion yuan in 2023, with expectations to grow to approximately 30 trillion yuan by 2035 [1] Group 1: Industry Development - The "Luohu District Smart Elderly Care Industry High-Quality Development Work Plan" was officially released, outlining a strategic approach to developing the smart elderly care sector [1] - Luohu District is characterized by a large elderly population and diverse needs, providing a conducive environment for the growth of the smart elderly care industry [1] Group 2: Infrastructure and Projects - The smart elderly care industry plan includes three levels of industrial space, five application scenarios, three consumption scenarios, and 16 specific projects [1] - A silver technology incubation acceleration center will be established in Huangbei Street to attract startup companies [2] - Two themed buildings will be developed in the Sungang and Qingshuihe areas to support growth-oriented enterprises and facilitate the transformation of research into production [1][2] Group 3: Application Scenarios - Five practical application scenarios have been proposed to provide large-scale testing grounds for enterprises, focusing on smart management systems and advanced technology in elderly care [3] - Collaboration with Hong Kong universities and research institutions aims to explore innovative channels for smart elderly care [3] - Clinical trial platforms will be established in local medical institutions to support innovative products for elderly care [3] Group 4: Consumer Engagement - A three-tiered offline sales network will be constructed, including a silver technology product exhibition center for enterprises to showcase cutting-edge products [4] - Smart elderly care flagship stores will be opened in key commercial areas to integrate display and sales [4] - An online market platform will be developed to promote smart elderly care products, utilizing live streaming and offline experiences to enhance consumer engagement [4]

Core Viewpoint - The aging population is increasingly becoming a focus of societal concern, prompting initiatives to enhance the quality of life for the elderly through home modifications and smart technology integration in cities like Shanghai and Beijing [1]. Group 1: Shanghai Initiatives - Shanghai has launched a comprehensive rollout of "age-friendly" home modifications, increasing the maximum subsidy for such renovations from 3,000 yuan to 5,000 yuan per household [3]. - Over 58 "age-friendly" model rooms have been established across the city, primarily located in community service centers or retail spaces, allowing elderly individuals to experience these modifications conveniently [3]. - The design of these model rooms includes features such as lowered countertops and automatic lifting racks in kitchens, enhancing accessibility for elderly users [3]. Group 2: Beijing Initiatives - Beijing has also seen a rise in its elderly population, with the first batch of 9 multifunctional public model rooms for age-friendly modifications established across 7 districts [6]. - These model rooms in Beijing offer a range of safe, comfortable, and intelligent living solutions tailored for the elderly [6]. - The design elements in these spaces include soft lighting, rounded furniture, and curved walls to prevent accidents, catering specifically to the needs of older adults [8]. Group 3: Technology Integration - The "AI + Elderly Care" experience center in Shanghai features advanced technologies such as smart wheelchairs and exoskeleton robots, showcasing a futuristic approach to elderly care [8]. - The initiative aims to provide a one-stop service for elderly individuals, including on-site consultations, product experiences, home measurements, design plans, and ongoing supervision to enhance their home living conditions [10].

Policy Developments - The National Health Commission issued a work plan for integrated medical and elderly care demonstration projects, encouraging the establishment of demonstration counties and institutions to enhance service supply [4] - The Ministry of Civil Affairs and the Ministry of Natural Resources jointly issued a notice to strengthen the planning of elderly care service facilities, aiming to optimize the layout and improve service efficiency [5][6] - Financial support for the silver economy is being injected through measures such as encouraging financial institutions to develop personal pension products and expanding tourism insurance for the elderly [7][8] - The Ministry of Civil Affairs and the Ministry of Finance announced subsidies for elderly individuals with moderate to severe disabilities to alleviate care costs [9] - A joint initiative by multiple departments aims to promote high-quality elderly products through six major actions, enhancing the elderly goods industry [10][11] Regional Policies - Yunnan Province announced an adjustment to the basic pension for retirees, effective January 1, 2025, with a uniform increase of 31.50 yuan for all retirees [13][14] - Shanghai issued implementation opinions to promote mediation in elderly care service disputes, aiming to protect the rights of elderly individuals and service providers [19][20] - Shanxi Province introduced subsidies for home modifications for the elderly, with a maximum subsidy of 18,000 yuan per person [22][23] - Henan Province announced subsidies for elderly individuals purchasing home modification products, with a maximum subsidy of 12,000 yuan per household [24][25] Industry Highlights - The Hong Kong government highlighted the vast market potential of the silver economy, emphasizing its ability to attract elderly tourists from various regions [27][28] - The AI+ Smart Elderly Health Platform was launched at the World Artificial Intelligence Conference, showcasing technological advancements in elderly care [29] - The 2025 Jilin (Changchun) Silver Economy Expo was held to promote the development of the silver economy and healthcare industry [30][31] - The 2025 Fourth China Intelligent Rehabilitation Academic and Industry Conference focused on AI's role in rehabilitation and elderly care [33] - Shandong Province is promoting elderly-friendly tourism, enhancing the quality of life for the elderly [36][38] Corporate Developments - Xingyuan Elderly Service Center collaborated with Huazhong University of Science and Technology to enhance smart elderly care services [40] - The Kexian Treatment Instrument was showcased at the Jilin Longchang Silver Economy Expo, highlighting its innovative health technology [41] - Yuanma Intelligent is creating a new paradigm for smart community elderly care, integrating AI technology [47] - Madi Technology is developing a smart elderly care platform focused on robotic applications for elderly care [48] - Hongsong launched the first AI podcast product for the elderly, featuring interactive listening experiences [49][50] - China Life is focusing on developing inclusive and pension finance in its second-half work plan [52][53] - Anhui Construction established a health industry company with a capital of 100 million yuan to expand remote health management services [54] - The "Silver Age Health" project in Pudong has restarted, providing 200,000 yuan in donations for elderly health care [55][56]

Core Insights - The first "AI + Elderly Care" experience store, "Xiyi AI Experience Hall," has officially opened in Xuhui District, showcasing innovative applications in elderly care through AI technology [1][2] - Xuhui District has launched an "AI + Elderly Care" innovation application promotion platform, introducing ten initial application scenarios and projects [3] Group 1: Experience Store Features - The "Xiyi AI Experience Hall" spans approximately 500 square meters and aims to enhance the quality of life for the elderly through AI-enabled solutions [1] - The experience hall includes various zones such as the "AI Life Exploration Cabin," which features simplified smart products for vision and hearing assistance, health management, and safety [1][2] - A "Future Adventurer Club" offers workshops and community activities, while a "Companion Robot" area showcases various AI-driven products designed for elderly engagement [2] Group 2: Application Scenarios - Xuhui District has identified ten "AI + Elderly Care" application scenarios, including intelligent care robots, rehabilitation support, and smart elderly home management [3] - Other scenarios focus on community-based cognitive screening, safety monitoring for physical activities, and remote support for family caregiving [3] - Participating organizations in these projects include various social welfare institutions and health service providers in the region [3]

Core Insights - The integration of artificial intelligence (AI) into elderly care services is rapidly evolving, creating a comprehensive care system that addresses health monitoring, emotional recognition, risk warning, and intelligent scheduling [1] - The AI+Elderly Care sector is emerging as a significant growth opportunity, driven by the aging population and the need for industry upgrades [1][2] - The World Artificial Intelligence Conference (WAIC 2025) showcased over 800 companies and 3,000 cutting-edge technologies, highlighting the industry's focus on AI applications in elderly care [1] Industry Trends - By 2025, the elderly population in China will exceed 310 million, representing 22% of the total population, marking a significant demographic shift [2] - There are over 50 million elderly individuals with disabilities or semi-disabilities, accounting for 16% of the elderly population, indicating a growing demand for enhanced care services [3] - The CEO of a technology company identified three major gaps in current elderly care services: the connection between children and elderly, the efficiency of professional caregivers, and the fragmentation of care resources [3] Technological Advancements - AI+Elderly Care is transitioning from passive responses to proactive warnings, utilizing real-time monitoring of various data types to identify health risks [4] - The trend is shifting from isolated devices to integrated management of care scenarios, enhancing the overall efficiency of elderly care services [4] - AI is moving from experience-based services to data-driven approaches, allowing for personalized care solutions based on extensive data analysis [4] Company Overview - The technology company has developed the "AI Smart Elderly Health Platform" (aiAging), which integrates various care scenarios into a cohesive service model, addressing the needs of families, institutions, and governments [5] - The platform aims to alleviate the anxiety of family members unable to provide constant care and improve the efficiency of elderly care management [5] Market Potential - AI+Elderly Care is not merely an add-on but is becoming an essential infrastructure within the elderly care system, with long-term growth potential [6] - The company has established a robust platform architecture that integrates various care scenarios and supports multiple intelligent care robots, enhancing service capabilities [7][9] Data and Value Proposition - The platform collects high-density data on elderly health, care interactions, emotional states, and behavioral preferences, creating a natural barrier to entry for competitors [16] - The integration of AI technology allows for real-time risk prediction and continuous optimization of care services, leading to a feedback loop that enhances service intelligence [16] Investment Insights - The AI+Elderly Care sector is supported by government policies aimed at promoting technological advancements in elderly care, indicating a favorable investment environment [14] - The platform's ability to generate stable cash flow and its potential for data accumulation and model training present significant investment opportunities [12][21] - The company’s system architecture allows for modular replication across various care scenarios, facilitating growth and scalability [19]