2018年,金龄健康接手运营山东济南养老服务中心。这家济南城市建设集团的全资子公司,不仅见证了全 市养老行业的成长与迭代,更以国企之力推动了养老服务的转型升级,并引领全市养老行业前行。 王君通讯员许娟 当积极应对人口老龄化上升为国家战略,"银发经济"成为高质量发展的重要抓手,山东养老服务行业如何 破局?作为省内领军企业,金龄健康产业投资(山东)有限公司以十余年深耕给出答案。近日,金龄健康董事 长冯继军接受齐鲁晚报.齐鲁壹点记者专访,揭秘这家国企如何以"担当+创新"双轮驱动,在银发经济新浪 潮中走出特色养老路。 核心竞争力:"国企担当+专业创新"的双轮驱动 按需服务:从"养老"到"享老"的品质跨越 当"享老"取代"养老"成为新追求,金龄健康以"备老、享老、养老"全周期服务为轴,构建起覆盖多元需求 的银发产业谱系。 从"将就"到"讲究",新一代老年人正在重新定义银发消费市场,也加速释放着这个万亿元级市场的新活 力。银发经济的活力,不仅关乎产业增长,更是一份对未来的温柔承诺。在冯继军看来,"老百姓对养老的 关注点,就是我们的发力点。"金龄健康近年来以"备老、享老、养老"全周期服务为轴,构建起银发产业谱 系。 这种按 ...

Core Viewpoint - The focus of the discussion is on the development of a new model for elderly care in China, emphasizing the importance of catering to the needs of the aging population, particularly those with declining self-care abilities and cognitive impairments [1][2] Group 1: Elderly Care Community Focus - The elderly care community should prioritize services for seniors with genuine needs, particularly those who are older and require care or have cognitive issues [1] - The average age of residents in the community is reported to be 83-84 years, with many born in the 1930s to 1940s, indicating a significant demand for external support and care [1] Group 2: Community Planning and Environment - The goal of the community is to create a "home" for the elderly, providing not only daily living and dining needs but also spaces for gatherings and family activities to foster a sense of belonging [1] - Activities such as family reunions and celebrations are organized to enhance the emotional well-being of residents, allowing them to feel connected even when their children live far away [1] Group 3: Integration with Medical Services - The community has integrated deeply with medical institutions, exemplified by the introduction of inpatient beds from Xuanwu Hospital, allowing residents to receive hospital services within the community [2] - This model aims to enhance the comprehensive service capabilities of the elderly care community, ensuring seamless access to 24/7 life care and medical support [2]

Group 1 - The 2025 Boao Real Estate Forum was held from August 12 to 15 in Hainan, with the theme "The Power of Integration" [1] - The real estate market is still under pressure, but some cities have recently seen high premium land parcels, attributed to supply and demand dynamics [1] - On the supply side, the government is inclined to release high-value land in core locations, while on the demand side, developers are actively choosing fast-turnover, high-certainty core city land, leading to increased land price premiums [1] Group 2 - There is a total inventory of approximately 900 million square meters of new and second-hand housing across 42 key cities, with a de-stocking cycle of 26 months [1] - The inventory pressure is even greater when including lower-tier cities, with second-hand housing inventory continuously rising, exerting significant pressure on the new housing market [1] - Buyers are increasingly opting for lower-priced second-hand homes, intensifying competition for developers against both peers and second-hand home owners [1] Group 3 - Opportunities in the real estate sector's stock operation include property management, elderly care, and commercial real estate, which are seen as three promising segments [1] - These segments share common attributes of consumer characteristics, long-term sustainability, and diversity in the consumer base [1] Group 4 - Commercial real estate, particularly shopping centers, has evolved into a natural social gathering place, providing all-day consumption and leisure experiences [2] - The market size for property services is substantial, especially in residential stock, indicating a large foundational scale nationwide [2] - The elderly population aged 65 and above is increasing, and they possess considerable purchasing power, highlighting the potential in the elderly care industry [2] Group 5 - Regarding urban renewal, the industry is encouraged to look beyond traditional real estate demolition and renovation, focusing on the renovation of municipal facilities like pipelines and power grids, as well as old neighborhoods, factories, and traditional shopping centers [2]

Group 1 - The core initiative is the "2025 Shandong Silver Economy Brand Selection Activity" launched by Qilu Evening News to support the development of the silver economy and enhance the well-being of the elderly [1][2] - The selection process involves public voting and expert evaluation, with over 130,000 users participating in the voting phase [3][4] - The event aims to create an ecosystem for the silver economy by gathering enterprises from various sectors including elderly care services, smart technology, and financial services [2][4] Group 2 - The selection activity has attracted significant attention from enterprises across Shandong, with hundreds of companies participating through social registration and institutional recommendations [2][3] - The evaluation committee consists of relevant departments, industry associations, and experts, utilizing big data metrics to assess brand influence in the silver economy [4] - Six influential brands and exemplary figures in the silver economy were ultimately selected, showcasing excellence in innovation, service quality, and user reputation [4]

Core Viewpoint - The article highlights the emergence of a new model in elderly care services, exemplified by the "Elderly Care Home" in Beijing, which aims to provide comprehensive, inclusive, and professional care services for the elderly in the community [1][3]. Group 1: Facility Overview - The "Elderly Care Home" is set to open in November 2024, featuring six floors with 125 furnished rooms and 300 beds, offering various functional areas including an elderly university, care services, community dining, and health service stations [3]. - The facility includes specialized areas for dementia and disability care, with a community dining area already designated as "Haidian Dining Hall" [3]. Group 2: Service Model - The care home operates on a model that combines government subsidies with self-payment from the elderly, aiming to provide sustainable care support [3]. - The "1+3+N" service model is being developed, which includes "1 platform," "3 major scenarios," and "N services," focusing on integrated smart elderly care services [3][8]. Group 3: Strategic Goals - The care home aims to serve not only institutional and community needs but also to extend services to families, emphasizing education and training for caregivers to enhance their skills in using smart technologies [4][12]. - The goal is to reach 10,000 families within a 10-kilometer radius, integrating various types of elderly care services into a standardized and replicable system [4][12]. Group 4: Technology Integration - A smart elderly care platform will be established, utilizing SaaS technology and connected health monitoring devices to provide personalized services based on individual needs [8][10]. - The integration of smart technology is expected to improve service efficiency and quality, allowing caregivers to monitor and respond to the needs of the elderly more effectively [10][13]. Group 5: Industry Trends - The article notes a trend towards smaller, personalized service providers in the elderly care sector, which will complement larger service groups by offering more flexible and individualized care [14]. - The industry faces challenges such as the need for product innovation and the integration of services, emphasizing the importance of "product as service" in meeting the needs of the elderly [15][16].

Core Insights - China has officially entered a moderately aging society, leading to a significant increase in the number of disabled elderly individuals and a severe shortage of caregiving personnel [1] - The smart elderly care robot market is accelerating due to policy support and technological advancements, becoming a key force in the transformation of the elderly care industry in China [1] Demographic Trends - By 2030, the elderly population in China is projected to reach 380 million, with the number of disabled elderly individuals expected to reach 100 million [1] - The distribution of elderly individuals is anticipated to be 90% living at home and 10% in institutions by 2030 [1] Market Projections - The average prices for various types of smart elderly care robots are expected to decrease by 2030: health monitoring robots to 20,000 yuan, emotional companionship robots to 20,000 yuan, caregiving robots to 30,000 yuan, and mobility assistance robots to 30,000 yuan [1] - The market size for smart elderly care robots is projected to exceed 2 trillion yuan [1] Investment Opportunities - Companies with advantages in elderly care channels and integrated hardware-software solutions are recommended for investment [1] - Firms that offer a diverse range of high-quality products in the elderly care robot sector are also highlighted as potential investment targets [1] - Companies specializing in rehabilitation exoskeletons are suggested as another area of interest for investors [1]

Core Viewpoint - The People's Bank of China announced the establishment of a 500 billion yuan "service consumption and pension re-loan" to enhance financial support for the elderly service consumption and industry, marking a significant innovation in structural monetary policy [1] Group 1: Policy Design and Implementation - The new re-loan policy is an upgrade of the 2022 inclusive pension special re-loan, integrating "service consumption" with "pension finance" for a coordinated policy framework [1] - The re-loan tool aims to provide a financial policy paradigm for developing countries to address aging challenges through a "first loan, then borrow" model [1] - The policy design should focus on a differentiated support mechanism based on the functional positioning of pension institutions, offering higher amounts and lower interest rates to small and medium-sized inclusive pension institutions [2] Group 2: Financial Collaboration and Support - A tripartite mechanism involving government risk sharing, bank credit issuance, and guarantee institutions is proposed to lower credit risk for commercial banks and increase loan access for small pension institutions [3] - The collaboration between special bonds and re-loans is encouraged to direct local government bonds towards the construction and renovation of pension facilities, while re-loan funds can be used for operational needs [3] - Financial institutions are encouraged to adopt a "investment-loan linkage" approach, particularly supporting stable cash flow projects in elderly communities and integrated medical care [3] Group 3: Risk Management and Assessment - The development of a specialized credit assessment model for pension institutions is recommended, incorporating non-financial indicators such as operational stability and service quality [4] - A differentiated regulatory policy is proposed, offering risk weight discounts for pension re-loan businesses and incentivizing compliant institutions with funding pricing reductions [4] - An intelligent post-loan supervision system utilizing blockchain technology is suggested to monitor fund flows and ensure that re-loan funds are used appropriately [4]

Core Viewpoint - The article highlights the emergence of a new model in elderly care services, exemplified by the Changzhe Care Home in Beijing, which aims to provide comprehensive, inclusive, and professional elderly care services to residents and the surrounding community [2][3]. Group 1: Facility Overview - The Changzhe Care Home is a community elderly care complex with six floors, featuring 125 furnished rooms and 300 beds, and includes various functional areas such as an elderly university, care services, a community canteen, and specialized care zones for dementia and disability [2]. - The facility is set to open in November 2024 and will offer sustainable care support to families and communities [2]. Group 2: Service Model - The care home is exploring a "1+3+N" service model, which consists of "1 platform" for integrated services, "3 major scenarios" (home, community, and institutional care), and "N services" that encompass comprehensive care [3][7]. - The goal is to create a regional smart elderly care service complex that integrates medical and nursing services, with a focus on education and training for caregivers [3]. Group 3: Technology Integration - A one-stop smart elderly care service platform will be established, utilizing SaaS technology and connecting various health monitoring devices to provide tailored services based on individual needs [7][9]. - The integration of smart technology aims to enhance service efficiency and quality, allowing elderly individuals to access services more conveniently [9]. Group 4: Workforce Development - Training for caregivers to effectively use smart systems and devices is a priority, as many current workers may struggle with technology [10]. - The care home aims to improve the caregiver-to-elderly ratio, allowing one caregiver to serve 6-8 elderly individuals, thereby reducing costs and increasing efficiency [12]. Group 5: Market Trends - The article predicts a rise in small-scale service providers, such as "couple teams," which will offer personalized and flexible services, complementing larger service groups [13][14]. - The industry is currently facing challenges related to product development and the need for services to be more tailored to the elderly population [15][16].

Core Viewpoint - Chongqing is actively promoting the development of the silver economy, targeting the aging population to create new growth opportunities in various industries [1][6]. Group 1: Demographics and Market Potential - By the end of 2024, the population aged 60 and above in Chongqing is projected to reach 8.01 million, accounting for 25.11% of the total population, with over 46.5% of them being under 70 years old [3]. - The elderly population in Chongqing is characterized by higher education levels, better health, substantial wealth reserves, and a strong willingness to participate in society, indicating a shift from traditional elderly care models to a demand for quality living [3][6]. Group 2: Government Initiatives and Support - Chongqing has implemented the "Implementation Plan for Promoting the Development of the Silver Economy and Enhancing the Welfare of the Elderly," which includes 20 measures aimed at addressing challenges, expanding supply, and nurturing industries [3][4]. - The city has established 1,695 elderly canteens, 963 community elderly service centers, and 10,912 community elderly service stations, along with 918 community elderly universities [4]. Group 3: Product and Service Development - Companies are expanding the supply of elderly products and services to meet the diverse needs of the elderly population, including smart home products and health services [6]. - A subsidy policy for home modifications to accommodate elderly needs has been introduced, offering a 20% discount on elderly-friendly products, with a maximum subsidy of 3,000 yuan per individual [6]. Group 4: Community Engagement and Services - Community initiatives like the "Elderly Enjoyment Station" provide various health services, including traditional Chinese medicine consultations and access to smart health equipment [4][5]. - The community is encouraging social participation and private sector involvement in providing quality elderly care services through public-private partnerships [4].

Financial Overview - As of June 30, the total balance of financial institutions' loans in Jiangsu Province reached 28.09 trillion yuan, a year-on-year increase of 9.8% [1] - New loans added amounted to 2.09 trillion yuan, which is 152.9 billion yuan more than the previous year [1] - The total social financing scale increased by 2.63 trillion yuan, up by 434.4 billion yuan year-on-year [1] - Jiangsu continues to lead the nation in both new loans and social financing scale increments [1] Manufacturing Sector Support - Jiangsu's manufacturing sector is crucial for economic resilience and innovation, with medium to long-term loans in this sector growing by 15.1%, outpacing overall loan growth by 5.3 percentage points [2] - The Industrial and Commercial Bank of China provided a 2.2 billion yuan syndicated loan for a major project in the new materials industry, highlighting the financial sector's support for manufacturing [2] Financial Products for Innovation - Diverse financial products such as "Talent Loans," "Achievement Transformation Loans," and "Specialized and New Loans" are being developed to meet the financing needs of technology enterprises [3] - The "Su Chuang Rong" initiative enhances financial support for key areas like technology transformation and equipment upgrades [3] - By July 25, Jiangsu had issued 240.4 billion yuan in technology innovation bonds, indicating strong market engagement [3] Agricultural Financing - The "Su Nong Grain Trade Loan" provided credit support to grain purchasing enterprises, addressing seasonal funding needs without requiring collateral [4] - By mid-year, the loan balance for key agricultural sectors reached 1.01 trillion yuan, reflecting a 19% year-on-year increase [4] Consumer Market Activation - The Jiangsu banking sector has actively supported the agricultural economy, with over 1.2 billion yuan in loans directed towards various agricultural projects [6] - The People's Bank of China and other departments have introduced measures to boost consumer spending, including a 500 billion yuan incentive for service consumption and the elderly care sector [7] - Banks are expanding their consumer loan offerings into new consumption areas, enhancing digital capabilities to meet evolving market demands [7]