以下为报告节选内容 今天分享的是：2025年银发经济消费人群洞察 报告共计：31页 《2025年银发经济消费人群洞察》显示，中国银发经济以55岁以上人群为核心，涵盖银发青年（55-64岁）、银发中年（65-74岁）、银发老年（75岁以上） 及长寿老人，2023年60岁以上人口达2.8亿，占比22%，驱动市场规模持续扩大。政策层面，国家及地方出台《关于发展银发经济增进老年人福祉的意见》 等文件，推动养老服务、适老产品及健康产业发展，产业链上游覆盖生物原料、纺织原料，中游涉及智慧医疗、康复辅具，下游涵盖消费、文旅、养老服务 等多元场景。 消费习惯方面，银发族注重健康饮食，偏好新鲜、低盐低油低糖、易消化食材，功能食品以肠胃健康、滋补营养为主，睡眠改善需求突出。旅游偏好短途周 边游、自然景观与古镇，自驾和康养旅行受银发青年青睐。购物侧重健康安全与实用性，线上渠道渗透率提升，短视频和社交平台成为重要消费入口。娱乐 方面，银发族偏好历史文化书籍、家庭情感类短剧，线上学习需求增长，老年大学与短视频课程受欢迎。 养老模式上，超90%倾向居家养老，社区居家养老和9037模式（90%居家、7%社区、3%机构）为主流，银发中年与老 ...

5月22日，总投资2.2亿元、建筑面积超2万平方米的杭州国投健康长者公寓在富阳区富春街道金桥北 路259号正式投入运营。 作为国家培疗机构改革首批试点单位、国家及省市区三级重点项目，杭州国投健康长者公寓由国投 健康产业投资有限公司与中国兵器装备集团杭州疗养院共同出资设立，是富阳区首家央企投资运营的高 端康养项目，更是富阳区深化"浙里康养"品牌、打造"全域幸福养老示范区"的关键落子。 "我们为长者提供全方位的贴心服务，医疗和养老无缝衔接，从预防到康复全程守护；智能设备24 小时保障安全，随时响应紧急情况。专业护理团队会细心照顾每位老人的特殊需求，营养师还会准备既 美味又健康的饭菜。对于记忆力不好的老人，我们有专门的照护方法。平时组织书法、音乐、园艺等活 动，让老人们开心交友，享受丰富多彩的晚年生活。"国投健康杭州公司营运总监雷浪介绍道。 浙江省民政事业发展促进会常务副会长方金土在开业庆典上致辞时指出，养老不是冰冷的床位数 字，而是每位长者脸上的笑容。杭州国投健康长者公寓项目不仅填补了富阳城区高品质养老空白，更通 过央企主导的可持续发展模式，为银发经济注入新活力。 展望未来，国投健康杭州公司总经理柴泳表示，杭州国 ...

本届博览会积极适应银发经济发展大趋势，聚焦新时代老年人多层次多样化养老服务需求，设立十大展 区，共计220多家来自10多个国家和地区的政府部门、社会组织、品牌机构参展参会，同期举办了10多 场交流分享会和相关活动，共同探索养老服务业发展的新路径、新模式，为推动我国养老服务业高质量 发展、积极应对人口老龄化贡献更多的智慧和力量。同时，重磅推出的"中福汇养银发产业平台"也在博 览会上正式上线，助力银发产业生态升级。 "我国也已步入中度老龄化社会，老年群体多样化、差异化、个性化的服务需求日益增长，积极应对人 口老龄化，推动养老服务业高质量发展，已成为国家战略和全社会的共同责任。"徐建中表示，在这一 时代背景下，本届博览会以"携手共促新质生产力，探索银发经济新未来"为主题，汇聚国内外优质资源 和养老服务力量，搭建起高层次的国际交流合作桥梁，助力中国养老服务业加速与国际前沿理念、技术 和模式接轨，为破解行业发展瓶颈、提升老年人生活品质、积极应对人口老龄化国家战略实施作出积极 贡献。 新京报讯(记者吴为)5月21日，第十一届中国国际养老服务业博览会在北京国家会议中心举行。本届博 览会由中国社会福利与养老服务协会(简称中福 ...

Core Insights - The long-term care insurance (LTCI) system aims to establish a nationwide coverage for long-term care, particularly addressing the needs of the 120 million rural elderly in China [1][2][3] - The LTCI pilot program has highlighted the significant gap in care services for rural elderly, exacerbated by funding challenges and insufficient service supply [1][2][3] - Experts suggest that the LTCI can stimulate the silver economy and lead to the emergence of branded, chain-based elderly care service companies similar to those in the UK [1][4][6] Group 1: Current Situation and Challenges - The aging population in rural areas is more severe than in urban areas, with 121 million individuals aged 60 and above, representing 23.81% of the rural population [2][3] - The proportion of empty-nest elderly individuals has surpassed 50%, with some rural areas exceeding 70%, highlighting the urgent need for care services [2][4] - The current LTCI pilot program is fragmented, with varying coverage and benefits across different regions, leading to inadequate support for rural residents [2][3] Group 2: Policy and Implementation - The government is encouraging the development of embedded and chain-type nursing institutions to enhance service accessibility in rural areas [1][5] - Local pilot programs have shown success in integrating long-term care services into existing healthcare facilities, such as transforming hospitals into care zones [5][6] - The LTCI system has expanded to cover 1.8 billion people, with over 800 billion yuan spent on benefits, creating approximately 300,000 jobs and attracting 60 billion yuan in social capital [7] Group 3: Future Prospects - The establishment of localized care service institutions is seen as a key strategy to improve accessibility and efficiency in rural long-term care [6][7] - The LTCI policy is expected to attract significant social capital investment into the nursing industry, potentially leading to the development of well-known brand chains in rural care services [6][7] - The effective implementation of LTCI will require a robust network of quality care institutions to ensure that the benefits translate into real services for the elderly [6][7]

实施就业支持计划 挖掘先进制造等新质生产力就业潜力。实施新一轮十大重点行业稳增长工作方案，开展先进制造业促就 业行动，开展科技成果转化和产业化行动，实施大中小企业梯度培育专项行动，实施"人工智能+"行动 计划。 推动消费新热点转化为就业新渠道。推进煤电机组节能降碳、供热、灵活性改造"三改联动"，推动冰雪 运动、冰雪文化、冰雪装备、冰雪旅游全产业链发展，持续开展夏季避暑和冬季冰雪旅游"百日行动"， 培育具有黑龙江省特色的服务外包集聚区。 放大重大工程项目建设就业增量。抢抓国家"两重"建设、超长期特别国债等政策机遇，谋划实施标志 性、引领性项目，加强重大基础设施建设，突出抓好省级重点项目建设，加大以工代赈实施力度，挖掘 重点工程项目用工潜力。 围绕保障重点民生服务促进就业。大力发展中医康养、智慧养老等银发经济，实施医疗卫生强基工程， 健全完善普惠托育服务体系，推动家政服务职业技能培训，发展重度残疾人托养照护服务，及时扩大物 业服务人员配备。 拓宽劳动者城乡基层服务空间。因地制宜打造县域优势特色主导产业，加大社区专职工作人员岗位供 给，稳定基层项目招募规模，支持投身法律援助志愿服务，支持引导社会组织持续拓展服务空间 ...

Core Insights - The Helper Bees is a home care platform integrating over 20,000 non-medical service providers, offering services such as home care, meals, transportation, and home modifications, all managed through the platform [1][3] - The company collaborates with major insurance companies and Medicare Advantage (MA) plans to provide home care services, with costs covered by insurance [1] - The platform simplifies claims processes and reduces administrative burdens for insurance companies, enhancing service delivery [1] Business Model and Growth - The Helper Bees operates a network of non-medical service providers, avoiding heavy asset models and focusing on a nationwide service provider network [3] - The company has raised $35 million in Series C funding to expand its national coverage, particularly in Medicaid payment channels and payment innovations [1] - The platform's model acts as a connector between insurance companies, service providers, and the elderly, fulfilling the needs of all three parties [2] Data and Technology Utilization - The Helper Bees has invested in technology to create personalized matches between elderly clients and caregivers, establishing a foundation for rapid growth [5] - The platform collects extensive data during service visits to monitor elderly health, integrating around twelve data points per individual, which aids insurance companies in understanding health conditions and service usage [7] - The company collaborates with Milliman to develop predictive models that help insurance companies forecast health risks and future care needs [7][8] Revenue Growth Drivers - The Helper Bees has experienced a threefold revenue increase, primarily from commercial long-term care insurance and MA plans, by addressing the strong demand for non-medical services [10] - The expansion of the MA plan in 2019 provided a significant opportunity for growth, allowing the company to meet the increased demand for home services [10][11] - The company helps insurance companies reduce claims costs by 15% to 20%, saving approximately $6,000 per claimant annually [13] Market Dynamics - The U.S. long-term care insurance market faces challenges with rising claims costs, making home care solutions more appealing to insurance providers [12][13] - The demand for non-medical benefits has increased, prompting MA plans to enhance their offerings to attract more clients [15][16] - The fragmented home care market in the U.S. highlights the value of a platform that integrates various service providers, benefiting insurance companies, service providers, and elderly clients alike [17] Comparison with Domestic Players - Domestic companies in the home care sector, such as Fushoukang and Yijia Nursing, differ significantly from The Helper Bees in terms of payment sources, service networks, and product models [18][19] - Unlike U.S. platforms, domestic players primarily rely on self-built care teams, while The Helper Bees leverages a platform model for rapid expansion across all 50 states [19] - The current landscape in China does not yet support a complete replication of The Helper Bees' model, indicating a need for further development in the domestic market [20]

Group 1 - The Ministry of Human Resources and Social Security plans to add 17 new occupations and 42 new job types by 2025, reflecting industry transformation and societal needs [1] - The new occupations, such as steel structure assembler, highlight the increasing demand for specialized skills in the construction industry due to higher safety, efficiency, and environmental standards [1][2] - The steel structure assembly method improves construction efficiency and facilitates material recycling, contributing to environmental sustainability [1][2] Group 2 - The new role of long-term care worker aims to address the challenges of an aging society, particularly for the disabled population, and to alleviate family burdens [4][6] - The recognition and certification of long-term care workers enhance their sense of belonging and motivation, leading to better care services for disabled individuals [6] - The training for long-term care workers includes various tasks, from basic care to emergency response, emphasizing the need for professionalism and empathy in the role [6][4] Group 3 - The burgeoning homestay industry has led to the emergence of homestay managers, with the number of practitioners growing from zero to over a million in just a few years [7][10] - Homestay managers focus on creating personalized experiences for guests, differentiating their services from standardized hotel offerings [10] - The role of a homestay manager involves understanding guest preferences and providing tailored experiences, contributing to the emotional well-being of guests [12][10] Group 4 - The continuous emergence of new technologies, consumer demands, and market changes is creating limitless possibilities for careers, encouraging individuals to explore new professional paths [14]

转自：新华财经 在推动经济高质量发展的征程中，金融力量至关重要。2025年5月19日，建行四川省分行向锦欣福星康 养集团成功发放超1亿元并购贷款，支持其收购异地优质养老机构，为该公司注入强劲的发展动能。 此次合作是建行四川省分行深入贯彻落实中央金融工作会议精神、践行金融"五篇大文章"的重要举措， 也是支持幸福产业发展、助力客户打造中国康养行业标杆的生动实践。 践行金融"五篇大文章" 精准服务实体经济 此次并购由于涉及多方主体，业务结构复杂，涉及法律、税务等多领域专业知识。建行四川省分行充分 发挥金融领域的专业优势，组建了一支由资深金融专家、法律专业人士和税务顾问等组成的专业服务团 队，成员各司其职，紧密协作，从并购方案的设计优化，到法律风险的把控、税务筹划的制定，服务团 队凭借专业的知识和丰富的经验，为企业提供了全流程的顾问服务。 并购贷款的成功发放正是建行四川省分行在养老金融领域的又一重要实践，高度契合锦欣福星"深耕养 老、辐射全国、不断创新"的发展战略，精准助力其"专业化、标准化、连锁化、智慧化"建设方向，为 更多老年人提供高品质的颐养生活。 深化银企合作 共筑康养产业新生态 随着我国老龄化程度不断加深， ...

1 证券代码：002093 证券简称：国脉科技 国脉科技股份有限公司 投资者关系活动记录表 编号：2025-009 | | 特定对象调研 □分析师会议  | | --- | --- | | 投资者关系活动 类别 | □媒体采访 □业绩说明会 | | | □新闻发布会 □路演活动 | | | □现场参观 | | | □其他（请文字说明其他活动内容） | | 活动参与人员 | 华安基金管理有限公司基金投资部雷蒙先生 国信证券计算机研究员云梦泽先生、库宏垚先生 | | | 国脉科技董事长陈维先生 | | | 国脉科技董事会秘书张文斌先生 | | 时间 | 2025 年 5 月 20 日（星期二） | | 地点 | 腾讯会议 | | 形式 | 线上交流 | | 交流内容及具体 | 本文中所涉及的未来计划、发展战略等前瞻性描述不 构成公司对投资者的实质承诺，敬请投资者注意投资风险。 | | | 1、本季度的 AI 智能体发布会上会有哪些内容？ | | | 答：本季度的发布会将重点呈现我司居家养老 智能体 AI | | 问答记录 | 的实操演示、创新养老模式的深度解析，以及主动精准健 | | | 康管理的研发进展。更多 ...

然而，与广阔的市场前景相伴的，是商业模式尚在探索、盈利能力有待提升、专业人才相对匮乏等现实 挑战。 远洋集团（3377.HK）旗下的椿萱茂养老运营管理有限公司（以下简称"椿萱茂"）是较早成立的一批市 场化养老企业之一，自创立以来，便将目光投向专业化的养老服务。通过多年的实践和积累，逐渐形成 了一套相对成熟的打法，同时也体验到了市场化养老这条路的艰辛。 风口下的市场化抉择 近年来，中国养老产业迎来了前所未有的发展机遇。一方面，国家政策持续加码，从顶层设计到具体扶 持措施，都在为养老服务业的发展营造良好环境。例如，推动普惠养老与市场化养老协同发展，鼓励养 老服务与医疗、健康、文旅等产业融合，探索养老服务设施REITs试点，加强养老服务人才队伍建设 等，都为行业注入了强劲动力。 另一方面，市场需求也在发生深刻变化。老年群体的消费观念逐渐转变，对养老服务的需求不再仅仅满 足于基本的生活照料，而是向着健康管理、精神慰藉、社交娱乐、品质生活等更高层次延伸。60后、70 后等"新老年人"群体逐步进入退休生活，他们普遍具有更强的经济实力和支付意愿，对养老服务的品质 和个性化要求也更高。 本报记者 卢志坤 北京报道 官方数据显 ...