2025.09. 12 本文字数：3132，阅读时长大约5分钟 作者 | 第一财 经 安卓 "我不想走我母亲的老路，98岁高龄还不能入住公立的安老院，人都会变老，我不要老了以后成为年 轻人的负担。"78岁的高叔在谈及为何北上养老时说。 根据香港特别行政区立法会2025年发布的《数据透视》显示，截至2024年，有近10万名65岁或以 上香港老人，选择定居广东省，比过去10年间激增了40.5%。 香港老人北上养老的背后，一方面是香港深度老龄化背后养老资源供给与需求之间的巨大缺口，另一 方面则是内地养老资源越来越高的性价比。 "此前，香港长者对内地养老存在'三不'误解，即不了解、不信任、不方便，如今内地、香港都在合 力推动化解'三不'，港人北上养老的数量会越来越多。"中国太平·木棉人家总经理刘行对记者说。 横跨两代人的养老探索 高叔在探访了香港和广东的几家养老机构之后，最终选择了位于广州的中国太平·木棉人家。"我身 边很多朋友都在大湾区寻找合适的安老院。"他说。 香港的安老资源正面对供不应求的挑战，公立安老院资源紧张、审核门槛高、等待时间长；私立安老 院则价格昂贵、性价比低。高叔说，早年，他98岁高龄的母亲申请入住 ...

中华遗嘱库项目部主任、北京传家律师事务所家办部创始人万培婷在致辞中表示，在家庭结构小型化、 人口流动常态化的当下，老年人对自主安排晚年生活和财产传承的需求日益强烈。 然而，面对复杂的法律程序、多样的服务选择，许多老年人陷入"想规划却无门"的困境：失能后谁来担 任监护人？财产如何分配才能避免家庭矛盾？签订的协议如何确保有效执行？ 2025年9月12日，中华遗嘱库服务升级发布会在中华遗嘱库广州荔湾分库隆重举办，发布会以"安心传护 幸福晚年"为主题，中华遗嘱库联合北京阳光老年健康基金会、北京传家律师事务所、广州市和谐继承 服务中心、上海长宁区和谐社区为老服务中心等共14家专业机构面向社会推出"安心传护"综合性保障服 务方案。 从"生存"到"安心" 多元协作成破局养老关键 当前我国老龄化进程持续加快，60岁及以上人口已超过3.1亿，占总人口比重超22%。空巢、孤寡老人 比例显著上升，晚年生活的"不确定性"成为许多老年人及其家庭的隐忧。 过去，养老的核心是解决老年人的衣食住行等基础生活问题；而如今，老年人的需求更加多元，他们不 仅希望"老有所养"，更渴望"老有所护"—在失能失智时有人妥善照料，在财产传承上能按自己的意愿 ...

宏观日报 | 2025-09-12 服务行业： 1）美国8月消费者价格指数同比增长2.9%，预估为2.9%，前值为2.7%；环比增长0.4%，预期增长0.3%， 前值0.2%。美国上周初请失业金人数为26.3万人，预估23.5万人，前值23.7万人。美国短期利率期货在CPI数据公 布后上涨，交易员对美联储降息的押注更加坚定，认为到2025年底美联储至少会降息两次。2）工业和信息化部办 公厅、民政部办公厅公布智能养老服务机器人结对攻关与场景应用试点项目名单。根据名单，此次试点围绕情感 陪护、康复支持、生活照料、移乘转运、辅助行走等10类应用场景，共包含32个智能养老服务机器人项目，譬如： 智能陪护机器人研发与应用、智能康养外骨骼机器人结对攻关与场景应用。每个项目设有1个牵头单位和若干参与 单位 数据来源：iFind，华泰期货研究院 行业总览 上游：1）化工：PTA、尿素价格回落。2）农业：鸡蛋价格连续回升。 中游：1）化工：聚酯开工率上行。2）能源：电厂耗煤量提高。 关注服务业下游养老机器人试点 中观事件总览 生产行业： 1）第26届中国国际光电博览会（以下简称"光博会"）于9月10日—12日在深圳国际会展中心 ...

Core Viewpoint - Zhengzhou aims to implement the spirit of the Central Urban Work Conference by enhancing urban resilience, improving citizen happiness, promoting historical and cultural heritage, stimulating innovation and entrepreneurship, increasing openness, and refining smart governance systems, contributing to China's modernization efforts [1][2]. Group 1: Urban Resilience - Zhengzhou is committed to enhancing urban safety by learning from past disasters, such as the "7·20" heavy rain, and is advancing infrastructure projects to improve disaster response capabilities [3]. - The city is focusing on a comprehensive public safety network and strict law enforcement to maintain social stability and safety [3]. Group 2: Citizen Happiness - The city prioritizes public services in education, healthcare, and elderly care, aiming for equitable distribution and improved service quality [4]. - Initiatives include the establishment of a 100 billion yuan youth innovation and entrepreneurship fund and a plan to retain one million university graduates over five years [5]. Group 3: Cultural Heritage - Zhengzhou, as one of China's ancient capitals, is enhancing its cultural heritage through the development of a comprehensive museum and archaeological park system [6]. - The city aims to creatively transform and develop traditional culture, ensuring historical resources are preserved and integrated into modern life [6]. Group 4: Innovation and Entrepreneurship - The city is focusing on innovation-driven development, with significant growth in high-tech industries and a robust research and development ecosystem [7]. - Zhengzhou plans to deepen the integration of education, technology, and talent to foster a conducive environment for innovation [7]. Group 5: Openness - Zhengzhou is positioned as a major transportation hub, with significant achievements in international trade and logistics, including a high ranking in cargo throughput at its airport [8]. - The city is enhancing its cross-border e-commerce capabilities and aims to become a national innovation demonstration zone [8]. Group 6: Smart Governance - The city is implementing a "党建+网格+大数据" governance model to improve efficiency and responsiveness in public service delivery [9][10]. - Since the introduction of a unified platform for governance, over 7.2 million events have been processed, enhancing public satisfaction and trust in local governance [10]. Group 7: Regional Development - Zhengzhou is leveraging its role as a central city to drive regional development through integrated urban planning and collaboration with surrounding areas [11].

当前，我国养老服务消费需求日益增长，银发经济迎来快速发展。与此同时，全国消协组织受理投诉情 况显示，养老服务消费中一些"坑老""骗老"行为和不良营销手段时有出现。为更好满足老年人服务需 求，切实减少养老服务消费侵权事件，全国老龄办、民政部、中国老龄协会、中国消费者协会近日特别 提醒广大老年消费者防范养老服务消费风险。 谨慎选择养老服务机构。一些组织未经登记就打着养老服务机构的名义开展活动，这类经营主体既无资 格资质、质量保证，又存在极大安全隐患。为方便消费者查询，民政部开通了全国养老服务信息平台， 消费者可通过该平台查询或选择具备资格资质的养老服务机构。 规范签订服务合同。老年消费者在缴纳养老服务费用前，应与养老服务经营者签订正规合同，特别要关 注涉及服务主体、服务内容、服务周期、服务收费等的条款，明确约定退费情形、退费方式，同时索取 正规发票并妥善保管。 防范养老诈骗。一些不法分子以"养老理财""会员制养老""投资养老项目"为名，承诺高额利息分红回 报、优先入住资格或享受消费优惠，引诱老年消费者办理"会员卡""预付卡"或投资入股，收取高额会员 费、保证金或投资本金，诈骗老年消费者钱财。建议消费者切勿轻信"高 ...

Core Insights - Shanghai Bank has received the first phase of the 2025 service consumption and elderly re-loan from the People's Bank of China, marking the first inclusion of a city commercial bank in this policy [1] - The People's Bank of China established a 500 billion yuan service consumption and elderly re-loan program to encourage financial institutions to support key areas of service consumption and the elderly industry [1] - The elderly finance sector is highlighted as a significant area for development, with the National Financial Regulatory Administration emphasizing the potential of the silver economy [1] Group 1: Policy and Financial Support - The expansion of policy coverage is expected to leverage the advantages of various banking systems and innovation to provide high-quality products and services to business entities [1] - China Bank's Hebei branch has issued over 70 million yuan in fixed asset loans to support the construction of 2,500 elderly care beds, including 1,200 inclusive elderly care beds [1] - The application scale for service consumption and elderly re-loan from China Bank has reached 4.841 billion yuan [1] Group 2: Technological Integration in Elderly Care - Financial support for technology-driven enterprises and the establishment of smart platforms will enhance the elderly care industry chain, improving quality and promoting industrial upgrades [1] - Agricultural Bank has developed a smart elderly care scenario where users can book services like bathing, dining, and medical accompaniment through their mobile phones, as well as handle nursing home applications and hire domestic helpers [1] Group 3: Financial Services for the Elderly - Financial services act as a bridge connecting high-quality supply with diverse demand, playing a crucial role in improving the consumption environment [2] - Financial institutions are encouraged to enhance the financial services available to the elderly, focusing on accessibility and convenience, as well as consumer rights protection and prevention of illegal financial activities targeting the elderly [2] - Continuous efforts to eliminate bottlenecks and improve both software and hardware are necessary to elevate service levels for elderly clients [2]

Group 1 - Various regions in China, including Shanxi, Shandong, Chongqing, Zhejiang, and Gansu, are actively promoting elderly service consumption through meetings, new policies, and themed activities [1] - The "Elderly Service Consumption Season" launched in Shanxi aims to strengthen home-based elderly care and meet the diverse needs of the elderly [1] - The initiatives are expected to enhance consumer experience, improve the quality of life for the elderly, and attract more enterprises and capital into the elderly service sector, fostering innovation and growth in the silver economy [1] Group 2 - Consumption subsidies are highlighted as a key strategy to activate consumer willingness, reduce payment pressure for the elderly, and promote the development of the elderly service market [2] - Subsidies cover both elderly service consumption and home adaptation, supporting families in upgrading to age-friendly products [2] - The large elderly population in China is increasingly willing to spend, aligning with national strategies to expand domestic demand and boost consumption [2] Group 3 - The Ministry of Civil Affairs and the Ministry of Commerce have introduced measures to promote high-quality development in elderly services and enhance the quality of life for the elderly [3] - Sales revenue for community, institutional, and home-based elderly care services has seen significant year-on-year growth, with increases of 30.4%, 22.6%, and 18% respectively [3] - Recommendations for further market stimulation include strengthening planning for a comprehensive elderly service network, enhancing service standards, and encouraging financial institutions to innovate products to support elderly care facilities [3]

Core Viewpoint - The State Council has approved a comprehensive reform pilot program for market-oriented allocation of factors in ten regions, aiming to enhance the efficiency of resource allocation and promote differentiated reforms based on local conditions [1][3]. Group 1: Reform Objectives - The pilot program will focus on the market-oriented allocation of technology, land, human resources, data, capital, and environmental resources, with an emphasis on improving collaborative allocation efficiency [1][3]. - The ten selected regions are expected to explore innovative reforms and will be granted greater autonomy to adjust existing laws and regulations as needed [3][9]. Group 2: Economic Impact - The combined economic output of the ten pilot regions is projected to exceed one-quarter of the national total by 2024, indicating their strong economic foundation and potential for driving reform [3][9]. - The pilot regions will serve as a testing ground for efficient allocation of various resources, supporting major economic provinces in their development [3][9]. Group 3: Specific Reforms by Region - Each pilot region will implement tailored measures, such as Beijing's exploration of a state-owned enterprise R&D reserve fund and the Guangdong-Hong Kong-Macao Greater Bay Area's reform of state-owned venture capital institutions [7][8]. - The regions will also focus on optimizing land use, labor mobility, and capital allocation to enhance economic development [6][9]. Group 4: New Factor Allocation - The pilot program will not only address traditional factors like land and labor but will also explore new types of factors such as data, computing power, and airspace [10][12]. - Regions like Hefei and the Greater Bay Area will develop comprehensive systems for utilizing new factors, which could lead to the emergence of new industries and economic growth [10][12]. Group 5: Service Sector Reforms - The pilot regions will implement reforms in the service sector, particularly in areas like elderly care and commercial health insurance, to meet the growing demand for high-quality services [12][13]. - The reforms aim to eliminate systemic barriers that hinder the growth of the service sector, thereby enhancing consumer spending and domestic demand [12][13].

为生动展现滨州"5210N"产业集群高质量发展动能，推动品质滨州建设行稳致远，9月9日，滨州市召开产业链上的山东好品牌——滨州"5210N"产业集群 记者见面会，邀请高端装备产业集群、新能源新材料产业集群、新一代信息技术产业集群、医药健康产业集群代表企业讲述企业成长历程及品牌故事并回 答记者提问。 据山东欣悦健康科技有限公司副总经理刘莲菲介绍，愉悦集团是一家以"大家纺"和"大健康"双轮驱动的综合性企业集团，资产规模165亿元。自2017年战 略转型大健康产业以来，构建了"医康养居"融合的生态体系，聚焦居家养老领域，被评为全国智慧健康养老示范企业。 针对居家养老的现实难题，刘莲菲说，通过大量调研，我们将居家养老的痛点归纳为"十难"，比如房多房大不适老、居家照护难家人、旧房设施不合理、 久病卧床难医治、亲居保姆不懂医、看病住院难下楼、老年用品买不到、烹饪饮食营养少、一家老小难兼顾、康复保健睡眠差等。 针对这些难题，刘莲菲表示，愉悦集团打造了一套系统性的"组合拳"解决方案，称之为"居家养老四件套"： 第一是适老环境改造。我们免费上门进行安全评估，为老人的家庭进行针对性改造，如安装扶手、防滑处理、增加照明，从物理环境 ...

（央视财经《正点财经》）据北京市民政部门统计，截至2024年底，北京市常住老年人共有514万人，首次突破500万人大关，占常住人口的23.5%。目 前，北京市首批9个适老化改造多功能公共样板间在全市7个区落地，为老年人提供了一系列安全、舒适、智能的居住解决方案。 在位于海淀区的养老服务驿站，光线柔和的防眩光灯、轻巧便携的圆角桌椅、弧形防撞的墙体立柱，一系列针对老年人的适老化设计映入眼帘。这个适老 化改造样板间主要服务社区及周边的约2.8万名60岁以上的老年人，为有需要的老年人提供科普、适老化体验等服务。 82岁的陈爱华住在百万庄小区，自从家附近有了适老化改造多功能公共样板间，她就经常来看一看，体验感受里面的各种设施。之后，再把适合自己的产 品安进自己家。 转载请注明央视财经 编辑：潘煦 ...