养老金融

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行业动态 | 一周银发产业大事件速览
Sou Hu Cai Jing· 2025-05-16 15:06
Group 1: Elderly Care Services - China leads the development of international standards for age-friendly digital economy, focusing on online shopping, digital banking, and smart community services for the elderly [7][8] - The first national standard for brand value evaluation in the elderly care service industry has been released, detailing 46 indicators for measuring brand strength [7][8] - The Ministry of Human Resources and Social Security plans to add a new occupation, "Elderly Care Specialist," to enhance the workforce in elderly services [8] Group 2: Business Collaborations and Innovations - Haier Health and Zepu Kangdao have partnered to create a new model for smart elderly care, integrating various health technology solutions [8] - Fosun Baodexin and BOE have signed a cooperation agreement to develop an "insurance + elderly care" model, enhancing health management and care services in Sichuan [8] - Jingneng Group reported a 15.09% year-on-year increase in revenue, focusing on expanding institutional elderly care services [9] Group 3: Financial Developments in Elderly Care - China Insurance has announced a plan to acquire 100% of Beijing Jinsui Technology for 302 million yuan, aiming to enhance its health consumption product offerings [12] - The China Insurance Association has released guidelines for elderly service standards, promoting better service for older clients [12] - New financial products and services are being developed to support multi-tiered elderly care systems in Guangzhou and Jiangsu [20] Group 4: Health and Wellness Innovations - JD Health reported a revenue of 16.645 billion yuan in Q1 2025, focusing on AI applications in healthcare services [14] - NuoVation and Oriental Gene have partnered to advance Alzheimer's disease diagnostics, enhancing medical service quality [14] - A new health management program is being developed by Ping An Health and Novo Nordisk, focusing on obesity management [14] Group 5: Technological Advancements - The first intelligent rehabilitation demonstration base has been established in Shanghai, focusing on the application of intelligent robots in rehabilitation [18] - Companies like Huawei and UBTECH are collaborating to develop humanoid robots for home services, enhancing elderly care solutions [18] - "Aoyi Technology" has secured nearly 100 million yuan in funding to advance brain-computer interface technology [18]
2025年期货市场研究报告
Hua Tai Qi Huo· 2025-05-15 04:30
Import and Export Overview - The import volume of the equipment manufacturing industry has increased, with the Guangdong-Hong Kong-Macao Greater Bay Area's import and export value reaching 2.85 trillion yuan, a growth of 5.4% in the first four months of the year, accounting for 96.4% of Guangdong's total import and export value[1] - Exports of "new three items" and motorcycles increased by over 40%, while imports of semiconductor manufacturing equipment, computers and components, and certain consumer goods grew rapidly[1] Monetary Policy and Financial Services - As of the end of April, the broad money supply (M2) stood at 325.17 trillion yuan, reflecting a year-on-year increase of 8%[1] - The balance of domestic and foreign currency loans reached 269.54 trillion yuan, with a year-on-year growth of 6.8%[1] - The balance of RMB loans was 265.7 trillion yuan, up 7.2% year-on-year, with an increase of 1.006 trillion yuan in RMB loans over the first four months[1] Industry Trends - In the upstream sector, international oil prices have continued to rise following the tariff war, while aluminum prices have recently rebounded[2] - The chemical industry is experiencing a seasonal decline in PX operating rates, while polyester operating rates remain high[3] - In the downstream sector, real estate sales in second and third-tier cities are declining, and domestic flight frequencies have decreased compared to the same period last year[4] Market Pricing and Risks - The credit spread across all industries has recently narrowed slightly[5] - Potential risks include unexpected economic policies and global geopolitical conflicts[5]
为银发经济提供必要的金融支持
Nan Fang Du Shi Bao· 2025-05-14 16:14
产业端方面,此番措施从两个方面支持养老产业发展,一是拓展丰富融资渠道,支持符合条件的养老产 业企业扩大直接融资渠道,探索发行养老基础设施领域REITs,探索提升跨境投融资便利化水平;二是 综合衔接协同各项支持政策,发挥小微企业融资协调工作机制,用好广州市普惠贷款风险补偿机制、政 府性融资担保及再担保机制、创业担保贷款政策,以及人民银行结构性货币政策工具等。 金融支持养老产业发展尤为关键,毕竟,归根结底,养老服务的好与坏,主要取决于供给端,行业是否 规范发展,将直接影响服务质量。让人遗憾的是,当下养老产业快速发展,但是也出现鱼龙混杂甚至以 养老为噱头实施诈骗的现象。 广州的养老金融发展有了新的政策支持。5月14日,广州印发《广州市关于促进养老金融高质量发展若 干措施》(简称"12条"),推进做好养老金融大文章,支持广州多层次养老保障和服务体系建设。 在人口老龄化的大背景下,对于养老产业,政策需要从诸多方面给予支持,而金融无疑是养老产业发展 的重要动力。"12条"主要从消费端和产业端发力,支持养老行业规范发展。 消费端方面,强调优化养老金融产品。措施包括两个方面,一是提升对多层次多支柱养老保险体系建设 的金融服务 ...
事关养老金融,多地出台“政策礼包”
Bei Jing Shang Bao· 2025-05-14 12:29
养老金融事关大家的养老"钱袋子",是老有颐养的"硬支柱"。5月14日,广州印发《广州市关于促进养老金融高质量发展若干措施》(以下简称《若干举 措》)。广州并非个例,今年以来,多地密集出台养老金融相关政策指引,从概念、方向和举措上,对养老金融、养老消费、养老服务等方面作出了进一 步指导和规范。 多地出台养老金融特色方案 当前,人口老龄化程度持续加深,缓解一些人存在的"养老焦虑"、保障老有所养,离不开金融行业的布局。 北京商报记者注意到,今年以来,广州、贵州、安徽等省市相继推出一揽子落实举措,从实从细推动金融业做好养老金融大文章。 广州发布的《若干举措》提到,引导在穗金融机构发挥各自业务特点和优势,稳步推进具有养老属性的基金、理财、储蓄、保险产品发展,满足不同风险 偏好人群的个性化养老需求。探索医疗保障、卫生健康数据赋能支持商业健康保险产品开发。继续推进养老机构责任保险全覆盖,支持将家庭养老床位、 居家养老上门服务纳入养老服务机构综合责任保险产品。推动人寿保险与商业长期护理保险责任转换业务试点工作。 安徽省金融办等部门发布的《关于促进养老金融高质量发展的若干措施》提到,针对养老保险体系建设,明确将优化企(职)业年 ...
广州发布“养老金融十二条” 扩大养老产业直接融资渠道
Zhong Guo Xin Wen Wang· 2025-05-14 08:32
Core Viewpoint - Guangzhou is promoting high-quality development in the pension finance sector through a set of measures aimed at expanding direct financing channels for pension industry enterprises [1][2]. Group 1: Demographics and Current Status - As of the end of 2024, Guangzhou's population aged 60 and above is 2.1292 million, indicating a transition into a moderately aging society [1]. - The basic pension insurance system in Guangzhou is maturing, with efforts underway to achieve "full coverage of the system" and "full coverage of individuals" [1]. - A total of 3,015 enterprises have established enterprise annuities, covering 510,000 employees [1]. Group 2: Key Measures for Pension Finance Development - The "Pension Finance Twelve Measures" outlines important tasks for the development of pension finance in Guangzhou, including support for financial institutions to provide comprehensive management services for basic pension insurance, enterprise annuities, occupational annuities, and personal pensions [1]. - There is an emphasis on enriching the supply of financial products for the third pillar of pension insurance (personal pensions) and promoting the development of financial products with pension attributes [1]. - Financial institutions are encouraged to establish dedicated pension finance departments or specialized institutions to support the development of the pension industry [1]. Group 3: Financing and Investment Opportunities - The measures support eligible pension industry enterprises to expand direct financing channels through methods such as listing, issuing bonds, and exploring the issuance of real estate investment trusts (REITs) in the pension sector [2]. - There is a focus on enhancing cross-border investment and financing facilitation, particularly in collaboration with Hong Kong and Macau to develop cross-border pension financial products and medical insurance products [2]. - Insurance companies are encouraged to invest steadily and participate in the development of home-based, community, and institutional elderly care services [2].
充分挖掘银发经济增长潜力
Jing Ji Ri Bao· 2025-04-28 22:24
Group 1 - The central economic work conference emphasizes the importance of boosting consumption and investment efficiency, with a focus on developing the silver economy as a key initiative [1][2] - The silver economy is a comprehensive economic system that combines elderly and pre-elderly services, covering various age groups and industries, thus having a broad impact on national economic and social development [2][3] - The potential for the silver economy in China is significant, with projections indicating that by the end of 2024, 22.0% of the population will be aged 60 and above, leading to rapid growth in demand for elderly care services [3][4] Group 2 - The development of the silver economy must focus on the changing needs of the elderly, fostering related industries such as health management, medical care, and cultural activities, which will create opportunities for sectors like tourism and financial services [4][5] - Challenges exist on both the demand and supply sides, including an inadequate income security system for the elderly and a lack of innovative products and services tailored to their needs [5][6] - To unlock the potential of the silver economy, it is essential to enhance the income security system for the elderly and improve the supply of services, particularly in community and rural areas [6][7]
【养老之道】构建养老金融统计体系 满足老龄化社会需求
Zheng Quan Shi Bao· 2025-04-17 18:29
随着我国人口老龄化进程的加快,养老问题已成为国家战略层面的重要议题。养老金融作为支撑养老体 系的重要支柱,其健康发展离不开科学、精准的统计工作支撑。近年来,国家陆续出台多项政策推动养 老金融发展,但统计工作的滞后性、不完善性仍是制约养老金融高质量发展的瓶颈之一。近日,中国人 民银行、金融监管总局、中国证监会、国家外汇局联合印发《金融"五篇大文章"总体统计制度(试 行)》(以下简称《制度》),全力推进金融"五篇大文章"统计工作落地实施。这是完善养老金融体系 的基础工程,也是实现养老金融高质量发展的重要举措。 当前,我国养老金融统计仍处于起步阶段,尚面临诸多问题,如数据碎片化、数据质量参差不齐、数据 共享机制不健全、数据统计智能化水平不足等。为了推进养老金融统计工作落地实施,建立起科学、高 效、透明的养老金融统计机制,为养老金融高质量发展提供坚实的数据支撑,我国应积极借鉴国际经 验,重点做好以下几方面的工作。一是完善法律法规,加强立法保障。推动《养老金融统计管理条例》 立法,明确数据采集、使用、保护的法律责任。二是推动数字转型,深化技术赋能。利用金融科技手 段,构建智能化的养老金融统计平台。例如,利用人工智能进行 ...
从两会提案看中国银发经济的未来路径
Wind万得· 2025-03-12 22:28
以下文章来源于RimeData 来觅数据 ,作者来觅研究院 六是银发消费领域,包括保障偏远地区老年群体享受补贴活动、关注银发食品营养赛道、提高赡养老人个税抵扣额度等。贾少谦代表推动以旧换新政策向 县乡延伸,保障偏远地区老年人权益。朱水芳委员强调完善检测技术体系;金李委员提议提高赡养老人个税抵扣额度,减轻独生子女负担。 RimeData 来觅数据 . 全面的一级市场数据平台 导读: 根据国家统计局数据,截至2024年底,中国60岁及以上人口已达3.1亿,占总人口的21.3%。老龄化进程的加速与代际需求的变迁, 催生了以老年群体为核心的新经济形态——银发经济。2025年全国两会期间,"银发经济"成为高频词,25份相关提案覆盖养老服务、智能 科技、医疗健康等六大领域,凸显其战略地位。本文将从两会提案切入,剖析银发经济的政策动向、市场潜力、发展趋势与核心挑战,探 讨一下这一新兴经济领域的现状与未来。 01 两会聚焦银发经济的六大核心领域 2025年两会提案中,银发经济被定位为"政策红利+AI革命+消费爆发"的融合赛道,具体涵盖以下方向: 一是养老服务领域,从政策普惠到模式创新。一方面重点关注长期护理保险(长护险)的完 ...
我国养老金融发展现状、挑战与对策 | 政策与监管
清华金融评论· 2025-03-02 10:30
我国全面步入中度老龄化社会 近年来,我国人口结构经历深度转变。据国家统计局数据,2023年末,我国60岁及以上老年人口约3 亿,占比21.1%,年增1.3%,已逐步进入中度老龄化社会。预计2030—2035年60岁及以上人口超4亿, 占比超30%,达到重度老龄化。21世纪中叶,我国老年人口占比将超40%,成为全球老龄化程度最高的 国家之一。此外,我国老龄化速度全球领先,仅用发达国家1/2甚至1/5的时间完成了相同老龄化进程, 在社会形态上将趋于稳定。与此同时,我国老龄化问题在城乡、区域、省份和民族之间差异显著,老年 人群体财富和认知差距大,形成了更加复杂多样的养老需求,对养老服务、金融资源分配和财富管理提 出更高要求。 各项政策持续出台,推动金融支持养老 文/清华大学五道口金融学院博士后研究员 张悦琪 ,清华大学五道口金融学院副 院长、金融学讲席教授 张晓燕 ,清华大学五道口金融学院房地产与金融科技研 究中心高级研究专员 王雪 本文从现状、挑战与对策三方面,对我国养老金融的发展进行了分析,指 出目前养老金融存在产品供给不足、居民资产配置错配和金融素养有待提 升等关键问题,要通过强化养老规划意识、鼓励金融产品创 ...