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]

一碗汤，从子女家端到父母家，温度刚好。这看似简单的距离，却丈量着中国家庭最朴素的亲情。然而 在当今社会，这"一碗汤的距离"成了许多家庭的难题——同住容易产生摩擦，分住又难解牵挂。 （来源：中国改革报） 转自：中国改革报 □ 谢代文 在福建省厦门市翔安区，一种名为"代际共居"的养老新范式正在悄然破题。来自西安的孙阿姨夫妇因儿 子在厦工作，选择入住颐和五星家园康养社区。"孩子放心，我们住得也舒心。"孙阿姨的感慨道出了许 多家庭的心声。而来自台湾的宋叔叔一次不慎摔倒时，床头的紧急呼叫系统让管家三分钟内赶到现场， 这条"救命绳"让他真切感受到了安全感。 这些日常片段，折射出翔安区对养老这一社会课题的深层思考。这不仅是居住形式的创新，更是一场深 嵌于土地、资本、治理与家庭伦理的改革探索，让老年人从基本的"老有所养"迈向有品质的"幸福享 老"。 "银发浪潮"的养老困局与翔安破题 随着我国"银发浪潮"的到来，"空巢之痛"与代际疏离，正成为无数家庭难以言说的隐痛。 面对这一现实，翔安区以系统化改革破题，将构建多层次养老服务体系提上重要议程。"我们推动'代际 共居'，旨在破解三大痛点：老年人的社会隔离与精神孤独、年轻人的住房压 ...

让群众在家门口享受优质公共服务 12月18日，市委副书记、市长刘文萍到南和区调研紧密型县域医共体建设、长期护理保险、普惠托育服 务等工作。她强调，要坚持以人民为中心，精准对接"一老一小"和特殊群体健康需求，聚焦群众期盼， 办好民生实事，让群众在家门口享受优质公共服务。市领导钱丽霞参加调研。 刘文萍来到贾宋中心卫生院、怡康养护中心、南和区人民医院，实地察看特色专科、远程会诊、特殊护 理、托育服务等运行情况。她强调，要坚持民生为大，适应"一老一小"人口变化形势，优化医疗、养 护、托育等民生资源配置，让群众享受到更加普惠的民生成果。要把紧密型县域医共体建设作为解决群 众看病难问题的关键抓手，选好建强牵头医院，打造乡镇卫生院特色专科，灵活式、亲情式推动专家下 沉，稳步推进医疗资源上下贯通和人财物一体管理，真正实现大病不出县、小病不出乡。要持续深化长 期护理保险试点改革成效，做好政策衔接，统筹民政、卫健医养资源和保险机构资金保障，探索可持续 筹资缴费机制，让失能人士护得起、有所护。要持续提升托育服务质量，充分利用医院、学校、社会机 构等托育资源，加快构建以托育综合服务中心为枢纽，以托育机构、社区嵌入式托育、用人单位办托 ...

Core Insights - The rapid development of logistics in Tibet, particularly through JD's local warehouses, has significantly improved delivery times, achieving same-day or next-day delivery for 70% of local orders [1][2] - The modern service industry in Tibet has seen an average annual growth of 12% during the 14th Five-Year Plan, reaching a value of 150.135 billion yuan, becoming a strong driver of economic growth [1][3] Policy Support - The development of modern service industries is strategically integrated into Tibet's overall planning, with the implementation of the "14th Five-Year Plan for Service Industry Development" outlining 8 core indicators and 11 key sectors [3] - Over 40 policy documents have been issued to support enterprises, enhance consumption, and develop logistics systems, creating a comprehensive policy framework for high-quality service industry development [3] Cold Chain Logistics - The Tibet Plateau Cold Chain Logistics Port, operational since August 2021, has filled gaps in cold chain logistics and improved standards and information levels, benefiting local consumers [2][3] Economic Growth and Investment - In the first three quarters of this year, Tibet attracted 494 investment projects in the modern service industry, with funds totaling 21.539 billion yuan and fixed asset investments reaching 6.758 billion yuan, indicating strong industrial appeal [10] - The financing guarantee balance for small and micro enterprises in Tibet increased by 45% year-on-year, reaching 7.899 billion yuan, facilitating business expansion [4] Digital Economy - The digital economy in Tibet is thriving, with 22,136 5G base stations built by 2024, and nearly 90% of administrative villages achieving 5G coverage, leading to a 115.6% increase in mobile internet access traffic since 2020 [7] - The number of digital economy enterprises in Tibet reached 4,275, with a value added of 19.6 billion yuan, showcasing the rapid growth of this sector [7] Talent Development - Talent cultivation is prioritized in the development of modern service industries, with 28,000 new skilled workers added in 2024 through various training programs [8] - The establishment of a favorable environment for businesses has attracted leading digital economy companies to Tibet, enhancing industrial clustering [9]

以预收费的方式快速回笼资金，是不少养老机构采取的运营方式。然而，一旦养老机构面临入住率不 足、经营不善等情况，很容易出现资金链断裂。少数机构还设置诸如"不可抗力仅退 50%费用"等不公平 条款，甚至不签书面协议仅开收据，纠纷发生后消费者举证困难。 2022年以来，民政部加力监管养老机构非法集资防范和处置工作，实现非法集资人数、案件和金额"三 下降"，切实保障了老年人合法权益。与此同时，民政部把建章立制作为保护老年人权益的重要举措。 从2022年民政部推进非法集资防范，到2024年《关于加强养老机构预收费监管的指导意见》实现"全口 径监管"，再到《养老机构预收费存管工作指引》细化存管规则，我国逐步构建起预收费监管政策体 系，持续发力保障老年人资金安全。 日前，民政部、金融监管总局印发《养老机构预收费存管工作指引》，进一步加强和规范养老机构预收 费监管，健全存管规则，保障老年人合法权益。 对于老年人及家属最担心的资金"跑路"问题，民政部养老服务司相关负责人表示，目前，民政部和金融 监管部门已建立养老服务领域非法集资问题线索共享机制，推进非法集资早发现、早预警、早处置。同 时，在全国养老服务信息系统开发上线资金监管 ...