2025年终盘点 养老政策五大趋势 洞见未来十年"享老"新格局 前言 站在2025年末回望，中国养老服务体系建设走过关键十年。从顶层设计到地方实践，养老政策正以前所未有的系统性、精准性和前瞻性，悄然重塑着我们每 个人的晚年生活图景。透过五大清晰趋势，我们不仅能看清政策走向，更能把握未来十年"老有所养、老有所享"的深层逻辑。 01 政策不再只是鼓励"多存钱"，而是引导建立全生命周期资金规划理念。在确保安全的前提下，赋予个人更多支配权，让养老储备既能应对长远需求，也能兼 顾人生突发事件，真正实现"钱为人服务"。单纯的储蓄思维已过时。个人需建立"养老金三支柱"组合思维，在社保基础上，科学配置个人养老金、商业保 险、稳健理财，并学会在政策框架内灵活调度，让养老资金"活"起来。 02 趋势二：服务获取更可及 从"有服务"到"选服务" 全国性失能老人照护补贴试点全面铺开，补贴资金直接发放至符合条件的老年人或其家庭。这标志着中国养老服务补贴机制实现历史性转变——从"补供 方"（机构）转向"补需方"。 趋势一：资金储备更灵活 从"存钱养老"到"智慧用钱" 个人养老金账户可"应急领取"，养老理财试点扩至全国，商业养老保险产品创 ...

坡申村日间照料中心于2018年建成，占地面积240平方米。由于投入使用时间较长，部分设施出现老 化，今年进行了全面翻新改造，不仅增设了棋牌室、乒乓球室等活动场所，还将一侧的闲置篮球场改建 为菜园。今年9月20日，中心"老年灶"重新投入运营，每天上午9点供应早餐，下午3点提供午餐，目前 为25名老人提供固定就餐服务。 坡申村并不是当地群众公认的富裕村，集体经济收入有限，无力对"老年灶"实行长时期补贴。其日间照 料中心之所以持续运营，有赖于自我管理、自我监督的"自助"模式，从而实现运营成本最小化。在"老 年灶"吃饭的李王师不仅担任厨师，还负责食材采购，既能贴合老年人口味，又节约了人力成本。之前 聘请专业厨师每月需1500元，现在只需1000元出头。村原党支部书记班古太义务负责"老年灶"管理运 行，他号召力强，将一切安排得井井有条，又为中心节省了每月400元的管理支出。甚至，这里的环境 卫生工作也无需外聘人员——10位身体比较健康的80岁以下的老人分组排班，两人一组，每周轮流负责 保洁。这种共建共享的模式，使"老年灶"得以低成本可持续运行。 "哒哒哒……"11月28日中午，闻喜县河底镇坡申村日间照料中心的厨房里，7 ...

Group 1 - During the "14th Five-Year Plan" period, Hainan's civil affairs department has issued a total of 69.1 billion yuan in assistance funds, including low-income support, special hardship assistance, and temporary relief [1] - The per capita standard for urban and rural low-income support has been unified to 850 yuan per month, while the standard for special hardship assistance has reached 1,110 yuan per month, achieving integration of support standards across urban and rural areas [1] - The living subsidy for socially scattered orphans has increased by 62%, while the standard for institutionalized orphans has grown by 52%, with a total of 5.5 billion yuan issued for orphan support [1] Group 2 - Hainan's civil affairs department has successfully completed the reform of elderly care institutions during the "14th Five-Year Plan" period, establishing a comprehensive standard system and safety supervision mechanism for elderly care services [2] - A total of 135 elderly care institutions, 141 regional elderly service centers, and 241 day care centers for the elderly have been established, creating a "15-minute elderly service circle" [2] - The province has issued 12 billion yuan in high-age subsidies, and 96.2% of elderly care institutions have achieved a combination of medical and nursing services [2]

Core Insights - The Long-term Care Insurance (LTCI) system covers approximately 300 million people, benefiting over 3.3 million disabled individuals, with total fund expenditures exceeding 100 billion yuan, resulting in an average annual financial relief of 12,000 yuan per person [1][4]. Group 1: Coverage and Impact - LTCI, known as the "sixth insurance" after the five major social insurances, aims to alleviate the daily care costs and burdens for disabled individuals. Since its launch in 2016, it has expanded to 49 pilot cities [3]. - The program has significantly improved the quality and quantity of long-term care services, with 12,000 designated service institutions established during the pilot phase, a tenfold increase from the initial stage [5]. - The program has provided services to 20.33 million individuals annually, supported by a professional service team of over 20,000 people [5]. Group 2: Technological Advancements - Increasing numbers of smart device manufacturers are entering the long-term care industry, developing technologies such as millimeter-wave radar to monitor vital signs of disabled individuals, allowing families and caregivers to track conditions in real-time [6]. - The National Healthcare Security Administration is committed to fostering and opening new scenarios for long-term care insurance, supporting the large-scale application of new technologies, products, and business models [6]. Group 3: Family Support and Economic Relief - The LTCI program provides emotional and financial relief to families burdened by the care of disabled individuals, allowing them to return to work with peace of mind [8]. - In Qingdao, the LTCI has disbursed a total of 6.3 billion yuan, benefiting over 160,000 disabled and cognitively impaired individuals, effectively reducing the economic burden and care pressure on insured persons [8]. - The program is also focused on developing a professional long-term care talent system and implementing a digital management system for the entire process of insurance enrollment, assessment, payment, and supervision [8]. Group 4: Future Developments - The LTCI system is expected to expand from pilot programs to comprehensive coverage for all insured individuals during the 14th Five-Year Plan period, enhancing the safety net for disabled individuals and their families [9].

岁序更替，华章日新 2025年的壮阔诗篇里 写满中国式现代化的崭新成就 中国式现代化，民生为大 以习近平同志为核心的党中央 把造福人民作为根本价值取向 坚持在发展中保障和改善民生 各族群众的 获得感、幸福感、安全感稳步提升 "一老一幼" 是大多数家庭的主要关切 2025年 民生工作聚焦养老育幼 一系列举措让 老人安心、孩童开心、家庭顺心 养老服务体系更加健全 2025年10月28日，在贵州省贵阳市观山湖区世纪城街道观山小区，老年人在老年大学内学习唱歌。近年来，贵阳市观山湖区聚焦老年人个 性化、多元化养老服务需求，探索"机构+社区+居家"的养老服务模式，引入专业服务机构参与运营，充分利用社会力量，在社区就近就便为 老人提供长期照护、短期托养、日间照料等多种养老服务，提升居民晚年生活品质。 2025年11月4日，在山东省乐陵市天和嘉园幼儿园，老师带领托育班的小朋友和机器人互动。近年来，山东聚焦3岁以下婴幼儿照护需求， 积极构建"1+N"普惠托育服务体系，通过发展托育机构、增设幼儿园托班、布局社区嵌入式托育等模式，搭建起多元化的托育服务网络。此外 还将托班幼儿纳入全国学前教育管理系统登记管理，享受生均公用经费财政拨 ...

Group 1: Investment Rating - The report does not explicitly state an investment rating for the industry or companies discussed [1]. Group 2: Core Insights - Xiaomi Group is advancing its AI capabilities with the MiMo-V2-Flash model, which optimizes inference costs and speeds, aiming to create a comprehensive ecosystem across devices, vehicles, and homes [1][10][12]. - The MiMo model serves as an AI ecosystem entry point, positioning Xiaomi as a unique player in the physical world, potentially enabling a competitive edge through a closed-loop commercial model [1][12]. - The report highlights the growth potential in the pet food sector, with Petty Co. set to launch products from its New Zealand factory in Q1 2026, which is expected to improve performance after previous capacity constraints [15][17]. - The silver economy is gaining attention, with government initiatives aimed at enhancing elderly care services and expanding the workforce in this sector [18][19]. - The AI and 3D printing industry is experiencing significant growth, with a notable increase in exports of 3D printers from China, indicating a robust market environment [21][22]. - The report notes the strong performance of Stanley products on Amazon, with significant year-over-year sales growth across multiple regions, indicating a successful market strategy [25][27]. Group 3: Summary by Sections Xiaomi Group - The MiMo-V2-Flash model is a key component of Xiaomi's AGI strategy, achieving a leading cost-performance ratio with optimized inference costs of 0.7 CNY per million tokens for input and 2.1 CNY for output [10][12]. - Xiaomi's integration of AI into its mobile operating system enhances cross-device collaboration and user experience, positioning the company for high-end market opportunities [13][14]. Pet Food Industry - Petty Co. is preparing to launch products from its New Zealand factory, which is expected to significantly boost sales starting in Q1 2026 [15][17]. - Honeycare, a brand under Youpai Co., has achieved top sales in its category on Amazon, indicating strong market performance [17]. Silver Economy - The government has outlined a plan to enhance elderly care services, aiming for a more comprehensive and diverse service model by 2027 [18][19]. AI and 3D Printing - China's 3D printer exports have surged, with a year-over-year increase of 89% in quantity and 136% in value, reflecting a thriving industry [21][22]. Stanley Products - Stanley's sales on Amazon have shown remarkable growth, with a 168.73% increase in the U.S. market, indicating effective product strategies and market penetration [25][27].

推动发展质效持续攀升 陈博彰在长沙县宣讲并开展调研 长沙晚报掌上长沙12月21日讯（全媒体记者 唐朝昭）21日，市委副书记、代市长陈博彰在长沙县宣讲党的二十届 四中全会精神，传达学习中央经济工作会议和省委十二届九次全会、市委十四届十次全会精神，调研经济社会发 展情况。市领导康镇麟、彭涛，市政府秘书长许凡参加。 稿源：掌上长沙 2025-12-21 19:07 锚定目标 全力攻坚 陈博彰指出，长沙县要深入学习贯彻党的二十届四中全会、中央经济工作会议和省委、市委全会精神，锚定目 标、全力攻坚，推动发展质效持续攀升，为长沙"十四五"圆满收官、"十五五"良好开局作出更大贡献。 来到星城颐养公寓，陈博彰调研公办养老机构运营改革情况，与入住老年人深入交流，关切询问大家身体情况， 听取意见建议。他指出，养老工作关系民生、连着民心，要积极应对人口老龄化，加大养老行业专项政策投入， 大力发展养老事业和养老产业。要盘活存量资源，强化医疗、康养、陪护等服务供给与人才支撑，探索"人工智能 +养老"等新模式，满足多样化养老服务需求。 在湖南（长沙）咖啡产业园，陈博彰鼓励产业园立足湖南自贸试验区、中非经贸博览会、中非经贸深度合作先行 区 ...

项目实施后，将对省内共计15万平方米的适老设施进行改造，新增8000张养老床位，形成"特殊需求集中保障、区域需求统筹覆盖、日常需求就近满足"的 养老服务体系，有效满足老年群体的居家养老需求，大幅提升山东省养老服务的专业化、智能化水平，同时，填补多个地市县域养老服务供给空白。 养老项目具有"小而散、盈利低、缺抵押"的特点，导致行业长期面临"融资难、融资贵"的发展瓶颈。为破解这一民生难题，国开行山东分行加大融资模式 创新力度，依托省属国企山东健康集团的资源整合优势，摒弃零散授信模式，将全省41个养老服务点的适老化改造整合为整体项目，以省级统筹的方式为 项目提供3.63亿元授信，并创新设计"20年贷款"的长周期融资方案，既一次性补齐防滑地面、智能医养设备等设施短板，又适配养老项目回报周期长的运 营特点。 转自：新华财经 近日，国家开发银行山东省分行（下称"国开行山东分行"）以省级统筹模式为山东省三级养老体系建设项目提供3.63亿元授信，并实现首笔贷款发放1亿 元，为全省15地市22区县的养老服务升级注入政策性金融活水。 山东素有孝亲敬老的传统，老年群体普遍倾向"不离家、不离亲、不离群"的社区居家养老模式。该项目依托 ...

Core Viewpoint - The Ministry of Civil Affairs and the Financial Regulatory Bureau have issued the "Guidelines for the Management of Prepaid Fees in Elderly Care Institutions," aiming to strengthen and standardize the supervision of prepaid fees, enhance deposit management rules, and protect the legal rights of the elderly [1] Group 1: Regulatory Framework - The new guidelines are part of a broader effort to establish a comprehensive regulatory policy for prepaid fees in elderly care institutions, which includes measures to prevent illegal fundraising and ensure the safety of elderly individuals' funds [1][2] - Since 2022, the Ministry of Civil Affairs has intensified its regulatory efforts, resulting in a decrease in the number of illegal fundraising cases, participants, and amounts involved [1] Group 2: Special Account Usage - A key highlight of the guidelines is the requirement for elderly care institutions to deposit collected fees into dedicated accounts, effectively isolating these funds from operational risks [2] - The guidelines stipulate that any changes or cancellations of these accounts must be reported, preventing potential misuse of funds [2] Group 3: Monitoring and Risk Management - The guidelines define four categories of abnormal fund flows, including large transactions and suspicious activities, which trigger a need for banks to halt expenditures and alert the Ministry of Civil Affairs [3] - A mechanism for sharing information about illegal fundraising issues has been established between the Ministry of Civil Affairs and financial regulatory departments to facilitate early detection and response [2][3] Group 4: Challenges and Recommendations - Despite clear policies, challenges remain in fully resolving disputes related to prepaid fees, including compliance costs for smaller institutions and a lack of awareness among the elderly regarding the new regulations [3] - Experts suggest that collaboration among regulatory bodies, the industry, and institutions is essential to enhance the safety and security of elderly individuals' funds [3]

Core Insights - The aging population and increased health awareness are driving demand for health management, medical care, and elderly services, making the development of the elderly finance sector a strategic priority [1] - Financial institutions are transitioning from being "single product providers" to "resource integrators" and "elderly ecosystem builders," utilizing emotional empowerment, technological assistance, and ecological layout to enhance elderly care [1][8] Emotional Empowerment - Shanghai Rural Commercial Bank's "Heart Home" project extends its services beyond financial offerings to include cultural and community activities, establishing over 1,000 service stations across Shanghai [2] - The project aims to address social connectivity issues among the elderly and enhance service warmth through community engagement and social activities [2] Health Management and Social Needs - Postal Savings Bank of China's Shanghai branch is creating a new paradigm in elderly finance by integrating health management and social needs through initiatives like "Postal Savings - Ctrip Friendship Club" [3] - The bank's activities encourage social interaction among the elderly, fostering community bonds and trust [3] Technological Empowerment in Care Services - Financial institutions are addressing challenges in elderly care services through credit support and technological empowerment, as highlighted by the implementation of a long-term care insurance management system by Shanghai's Love Nursing Station [4] - The system enhances service quality by providing real-time monitoring of elderly care and streamlining administrative processes [4] Information Technology in Elderly Care - Shanghai Hongri Puhua Nursing Home is implementing a smart elderly care system to improve management efficiency and enhance the quality of life for residents [6] - The system allows for comprehensive electronic management of resident information and care records, facilitating better service delivery [6] National Elderly Service Network - China Pacific Insurance has established a national elderly service network with the opening of new community projects in Beijing and Sanya, enhancing operational capabilities across 15 community projects [6][7] - The insurance sector is increasingly involved in the elderly care ecosystem, with various companies adopting different asset strategies to support the silver economy [7] Future of Elderly Finance - The elderly finance sector is expected to become a mainstream business for financial institutions in the next 10 to 20 years, necessitating a shift towards resource integration and the creation of a "financial + elderly care + medical" closed loop [8]