经济观察网近日，由《瞭望东方周刊》与国民养老共同主办的"中国养老领域创新发展研讨会"在京召 开。研讨会发布了由主办双方联合策划的《2025中国城市居民养老调研发现》。该报告整合政府统计数 据、互联网大数据、专项问卷及微观样本分析，创新性构建"中国城市居民养老指数"评价体系，从养老 财富储备、为老服务体系、老年友好环境、银发经济发展四个维度，描绘城市居民养老储备情况。当 前，我国城镇化率已突破67%，城镇常住人口达到9.4亿，城市作为应对老龄化的"主战场"，其养老治理 水平直接关系到每一位民众的晚年生活质量。但需正视的是，目前我国城市养老水平仍存在明显的区域 差异和群体差异。报告称，中国城市养老从"基础覆盖"迈向"质量提升"新阶段，总体仍有提升空间，同 时区域梯度明显；养老公共服务均等化取得显著成效，"养老财富储备"与"银发经济发展"成为城市排 名"分水岭"，需构建"制度—服务—产业—环境"协同发展的生态体系，通过政府、市场、社会与个人的 共同参与，实现"有备而老、有质而老"的和谐养老愿景。第五次老年人抽样调查显示，60至70岁的"活 力老人"更聚焦享老悦己，追求独立、健康、文娱和社会参与；而80岁以上高龄老人 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 本报记者 田 鹏 11月17日，广东省人民政府办公厅印发的《广东省推动养老金融高质量发展的实施方案》提出，引导保 险资金通过股权、债券、基金、资产支持计划、保险资产管理产品等多种形式，为养老服务运营主体、 老年助餐服务机构提供资金支持。 记者通过梳理年内各地出台的相关政策发现，多元金融工具已成为激活养老金融市场的重要抓手之一， 一系列创新探索接连落地，正推动养老金融从政策引导向市场驱动转型。 接受《证券日报》记者采访的专家表示，未来5年至10年，养老金融产品将朝着多元创新且全链条协同 的方向发展。其中，养老产业并购基金、长寿风险证券化产品、嵌入式养老设施经营权证券化、跨境养 老REITs以及基于区块链的养老消费权益通证化等创新方向均值得重点关注。这些产品将共同搭建起覆 盖项目孵化、资产运营、风险分散的全链条资本解决方案，打破养老产业投资重、回报慢、风险高的传 统困境。 养老金融"工具箱"持续扩容 金融工具凭借长期属性、多元形态与风险分散等优势，成为破解养老产业"投资规模大、回收周期长、 收益回报稳"特性与金融资源配置适配难题的关键抓手。为此，今年以来，多地出台 ...

11月17日，广东省人民政府办公厅印发的《广东省推动养老金融高质量发展的实施方案》提出，引导保 险资金通过股权、债券、基金、资产支持计划、保险资产管理产品等多种形式，为养老服务运营主体、 老年助餐服务机构提供资金支持。 金融工具凭借长期属性、多元形态与风险分散等优势，成为破解养老产业"投资规模大、回收周期长、 收益回报稳"特性与金融资源配置适配难题的关键抓手。为此，今年以来，多地出台专项政策，明确金 融工具在养老金融领域的赋能作用，以打通社会资本与养老产业的对接通道，推动养老金融加速向市场 驱动转型。 例如，6月份，深圳发布的《关于统筹做好养老金融大文章服务深圳银发经济高质量发展的实施意见》 明确，支持金融机构进一步丰富个人养老金产品差异化供给，推出更多兼具稳健性、普适性的储蓄、理 财、基金、信托、保险等多元化金融产品；8月份，重庆发布的《关于促进重庆市养老金融高质量发展 的实施意见》提出，支持养老理财等养老金融产品，投资与养老特征相匹配的长期优质资产等。 得益于政策的大力护航，各地加速推进金融工具在养老金融领域的实践探索，一系列创新模式接连落 地，不仅让养老金融的"工具箱"持续扩容，更加速形成了"政策引导— ...

Core Viewpoint - Guangdong Province has launched its first dedicated policy for pension finance, aiming to establish a modern pension finance system that aligns with the region's demographic, industrial, and financial structures [1][2]. Group 1: Implementation Goals - The implementation plan outlines two phases: by 2028, the pension finance supply system will be largely improved, and by the end of the 14th Five-Year Plan, financial support for pension fund utilization will be more mature and stable [2][3]. - Guangdong faces dual pressures from an aging population and increasing demand for pension services, but it also has a strong financial market and high capital supply capabilities [2][4]. Group 2: Product and Service Development - The plan includes measures to enhance the pension finance product system, such as establishing pension finance departments in banks and improving service channels for the elderly [3][4]. - Financial institutions are encouraged to innovate pension products, including long-term care insurance and specialized financial products for personal pensions [3][5]. Group 3: Financial Support for Pension Services - A "white list" mechanism for pension institutions and enterprises will be established to guide financial resources towards compliant and stable pension projects [4][5]. - Various financial tools, including loans, bonds, and asset securitization, will be utilized to promote the development of standardized and large-scale pension facilities [4][6]. Group 4: Rural and Cross-Border Pension Services - The plan emphasizes financial support for home-based and community elderly care services, particularly in rural areas, and encourages the development of inclusive financial products for these services [5][6]. - Cross-border pension finance cooperation is highlighted as a strategic focus, with plans to support cities like Guangzhou in becoming pension finance demonstration cities [5][6]. Group 5: Risk Management and Policy Implementation - A comprehensive risk prevention mechanism will be embedded in the pension finance process, including consumer protection and financial literacy education for the elderly [6]. - The plan establishes a collaborative mechanism for policy implementation, with a focus on creating replicable models for pension finance development across the province [6].

Core Points - Guangdong Province has issued its first dedicated policy for promoting high-quality development in pension finance, aiming to establish a distinctive pension finance system by 2028 [1][2] - The implementation plan emphasizes the active participation in national basic pension insurance fund investments and the enhancement of quality investment project reserves in Guangdong [1] - The plan outlines the development of long-term care insurance and the establishment of a standardized management system for long-term care service institutions [2] Group 1 - The implementation plan aims to enrich pension financial products and services, focusing on the development of the first, second, and third pillars of pension insurance [1][2] - It encourages enterprises to establish enterprise annuities and promotes the development of third-pillar pension financial products tailored to local needs [1] - By 2028, the plan envisions a widespread awareness of pension finance and an effective improvement in the supply level of pension finance across the province [1] Group 2 - The plan supports the construction of a provincial pension finance demonstration model in Guangzhou and aims to include cities like Shenzhen, Foshan, Dongguan, and Zhuhai in national specific pension savings pilot programs [2] - It promotes cross-border pension services in the Guangdong-Hong Kong-Macao Greater Bay Area, including integrated services for Hong Kong and Macao seniors [2] - The plan encourages the development of innovative insurance products and services that facilitate cross-border financial cooperation and regulatory collaboration in the Greater Bay Area [2]

商丘机场作为商丘市打造"公铁水空"枢纽之城的关键一环，对于扩大对外开放、提升枢纽能级、促进经济社会高质量发展具有重要作用。机场建成后，将进 一步强化商丘在全国综合交通网络中的重要节点地位，增强在区域协调发展中的增长极作用，更好融入服务全国统一大市场建设，为河南打造全国统一大市 场循环枢纽和国内国际双循环支点作出更大贡献。 解读：相比密集的铁路网络，河南的航空布局要显得滞后一些。中国民航局的数据显示，截至2025年3月，全国境内运输机场共有263个，其中新疆以27个民 用运输机场数量居首，内蒙古（19个）和四川（17个）分居第二、三位。 每经记者｜杨欢 每经编辑｜刘艳美 据央视新闻消息，11月17日，河南省商丘机场在观堂镇正式开工建设。据了解，商丘机场飞行区等级指标为4C，2024年7月13日正式获得国家发展改革委批 复。项目总投资约8亿元，规划设立8个机位停机坪，配置3座登机桥，建设9000平方米航站楼，改扩建一条长2600米、宽50米的跑道，配套建设滑行道系 统、站坪等。设计目标为2030年旅客吞吐量90万人次、货邮吞吐量3600吨；2050年旅客吞吐量280万人次、货邮吞吐量7800吨。 图片来源：央视新 ...

重要消息有哪些 11月18日（周二）申购提示 新股方面，精创电气18日开启申购，发行代码为920035，本次发行价格12.10元 ，发行市盈率为13.47 倍，单一账户申购上限为65.07万股。本次发行预计募集资金总额1.75亿元。公司主营业务为冷链设备智 能控制器、医药与食品冷链监测记录仪、制冷热泵检测仪表及环境颗粒物检测仪器等产品的研发、生产 和销售，并提供物联网和基于云的系统解决方案。 2．湖北省委书记王忠林：着力构建"北斗+低空经济""北斗+人形机器人""北斗+人工智能"等新场景 据湖北日报消息，11月17日，湖北省委书记、省人大常委会主任王忠林到武汉东湖新技术开发区调研北 斗产业高质量发展工作。调研中，王忠林指出，要强化机遇意识，抢抓航天强国建设机遇，加快壮大产 业规模能级，不断培育发展新动能、塑造发展新优势。要强化研发创新，集中力量开展联合攻关，突破 更多"卡脖子"难题，不断提升我省北斗产业发展的硬核支撑。要强化科技创新和产业创新深度融合，深 入实施"链长+链主+链创"融合机制，加大行业龙头企业引育力度，加快构建"芯、星、端、网、数、 用"全产业链的发展格局，切实提升北斗产业整体竞争力。要强化场景 ...

21世纪经济 报道记者 吴霜 近日，国家统计局出版《中国统计年鉴2025》，公布了2024年全国31个省份65岁及以上老年人口和其占比情况。数据显示，有19个省份进入中度老龄化社 会。 "未富先老"、"未备先老"成为了老龄社会需要回答的第一个问题。目前，我国已经初步建立起包含第一支柱基本养老保险、第二支柱职业养老金和第三支柱 个人养老金在内的三支柱养老金体系。 但三大支柱面临着发展不平衡的问题。贝莱德建信理财最新发布的《2025中国养老金金融白皮书》显示，截至2024年底，我国基本养老保险参保率已达 95%；而参与企业年金的职工人数仅相当于参加基本养老保险人数的3%，个人养老金开户人数占参加基本养老保险人数的7%。根据估算，2024年我国城镇 职工的养老金替代率约为45%，远低于55%的国际警戒线。 近日，记者采访了中欧国际工商学院金融与会计学教授、中欧财富管理研究中心主任芮萌，请他对银发时代的财富管理规划和银发经济的发展趋势分享最新 的观察。 "十五五"规划建议养老部署：双轮驱动构建品质型养老生态 21世纪："十五五"规划建议中对养老提出了"老有所养、老有所为"的部署，与养老相关的核心内容是什么？对我国养老 ...

Group 1 - The first "Yangtze Pension Cup" college student pension finance simulation investment competition was held at Fudan University, attracting over 600 students and culminating in a final with 10 outstanding participants [1] - The competition aims to promote pension planning concepts and scientific investment knowledge among young people, responding to national calls for early pension planning [1][3] - The event was supported by various leaders and experts from financial institutions and universities, highlighting the importance of systematic talent cultivation in pension finance [1][2] Group 2 - The competition showcased the long-term nature and discipline required in pension investment, with participants presenting their asset allocation strategies and performance [2] - The investment director of Yangtze Pension praised the participants for their in-depth industry analysis and semi-professional level of understanding, indicating a high level of preparedness [2] - The competition awarded multiple prizes, including one first prize, two second prizes, three third prizes, and four merit awards, reflecting the competitive nature of the event [2] Group 3 - The aging population in China is a growing concern, with projections indicating that by the end of 2024, the elderly population will reach 310 million, accounting for 22% of the total population [5] - The dual trends of declining birth rates and increasing longevity have accelerated the arrival of the "silver economy," necessitating a focus on pension planning among younger generations [5] - Yangtze Pension is actively building an investment system tailored for pension funds, emphasizing the importance of systematic research and development of pension-specific products [6][8] Group 4 - Yangtze Pension, a subsidiary of China Pacific Insurance Group, is dedicated to managing pension funds and has achieved an asset management scale of 1.34 trillion yuan, generating 340 billion yuan in investment returns for clients [8]

Core Insights - The aging population has become a long-term structural feature of China's economic and social development, with the "14th Five-Year Plan" marking a critical phase for addressing this issue through pension finance as a core strategy [1][2] - The "15th Five-Year Plan" aims to transition from scale expansion to quality improvement in pension finance, emphasizing the development of technology finance, green finance, inclusive finance, pension finance, and digital finance [1][2] Summary of Achievements During the "14th Five-Year Plan" - A multi-level, multi-pillar pension finance system framework has been established, with the full implementation of the personal pension system marking a historic leap for the third pillar [2] - The supply of pension financial products and services has diversified, covering various risk preferences from savings and wealth management to insurance and funds [2] - The policy framework has been improved from macro deployment to micro operation, with pension finance elevated to a national strategic level in the 2023 Central Financial Work Conference [2][3] Regulatory Developments - A multi-level policy matrix has been formed, with various documents issued to regulate product development and institutional oversight [3] - The goal is to establish a basic pension finance system by 2028, supported by a collaborative mechanism among multiple departments [3] Performance of the Three-Pillar Pension System - The basic pension insurance fund's investment operation scale has reached 2.6 trillion yuan, doubling since the end of the "13th Five-Year Plan" [4] - The second pillar (enterprise annuities) has also seen growth, with a fund scale of 7.56 trillion yuan, an increase of 4.02 trillion yuan since the end of the "13th Five-Year Plan" [4] - The personal pension system has transitioned from pilot accumulation to a defined system, with personal pension product balances exceeding 15.16 billion yuan, a growth of 64.7% year-to-date [4] Challenges in Current Pension Finance Development - The pension system is overly reliant on the first pillar, with insufficient development of the second and third pillars, leading to a lack of effective collaborative support [6][7] - There is a significant structural imbalance in the three pillars, with the third pillar facing challenges in attractiveness and participation [7] - Regional and urban-rural disparities in pension finance services are pronounced, with rural areas lacking adequate supply and financial literacy [8] Development Directions for the "15th Five-Year Plan" - The focus will be on building a more mature multi-level system, enhancing the quality of the second and third pillars, and transitioning products and services to a user-centered approach [9] - The policy framework will aim for institutionalization and collaboration, with tax incentive optimization as a key direction [9][10] - The second pillar will be strengthened through lowering barriers for small and medium enterprises and expanding coverage to new employment forms [11] - The third pillar will see increased contribution limits and the development of new products tailored to individual pension needs [12] Integration with the Silver Economy - There will be a focus on deepening the integration of pension finance with the silver economy, creating a virtuous cycle that supports both sectors [13] - The product system will shift towards user-centered and dynamic adaptation, ensuring that offerings meet diverse and evolving needs [14] Technological Empowerment - Digital transformation will be a core driver for high-quality development in pension finance, with a focus on enhancing service efficiency and accessibility for the elderly [15] - Financial institutions will be encouraged to develop inclusive products and services that cater to the unique needs of older adults, ensuring their participation in the digital economy [15]