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 ...

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].

例如，近日银领星选AI数智门店在重庆等地落地，以"社区服务+科技赋能"模式为老年居民提供智慧 化、精准化的生活服务。店内的24小时智能终端能陪老年人聊天解闷并提供紧急呼叫服务，努力将社区 门店打造为家门口的银发活力中心。科技元素的融入，让传统养老服务焕发出新的温度与效率。 国家统计局数据显示，2024年我国60岁及以上人口超过3.1亿人，占全国人口的22.0%。庞大的银发群体 折射出老龄化的大趋势，也为经济发展带来新的课题：如何更好满足老年人日益增长的服务需求，推动 银发经济高质量发展。 银发经济一头连着民生、一头连着产业。企业在提供产品和服务的过程中，也在不断推动公共服务体系 与产业生态协同升级。展望未来，随着科技进步与人文关怀的深度融合，重庆银发经济有望释放更大潜 力。(马春鹏) 作为老龄化程度较高的城市，重庆老年人对多样化服务的关注度日益提高，相关消费需求呈现增长趋 势。伴随健康管理水平提升和现代消费理念更新，这一庞大人口基数为本地银发经济提供了广阔市场空 间。社区层面，一些贴近需求的服务探索正加快落地。 如今老年人的生活方式正悄然改变，在健康管理、社交互动、数字生活等方面呈现出多元化、品质化的 需求。 ...

Group 1 - The core viewpoint of the news is the introduction of measures by various financial regulatory bodies in Guangzhou to promote the high-quality development of pension finance [1][2][3] - The measures aim to enrich the supply of third-pillar pension financial products, encouraging financial institutions to develop pension-related funds, wealth management, and insurance products tailored to individual risk preferences [1] - Banks are encouraged to develop exclusive personal pension savings products and to provide customized family trust services, thereby enhancing the personalized pension needs of different demographics [1] Group 2 - There is an emphasis on increasing financing support for the elderly care industry, with financial institutions encouraged to establish dedicated pension finance departments and provide credit support for elderly products, infrastructure, and smart elderly care equipment [2] - Financial institutions are urged to explore financing models that support the entire elderly care industry chain while ensuring risk control, promoting collaboration between financial and elderly care industry organizations [2] - The measures also support the expansion of direct financing channels for eligible elderly care enterprises through listings, bond issuance, and regional equity markets [3] Group 3 - The establishment of a silver economy investment fund by state-owned enterprises is encouraged, focusing on seed and early-stage innovative companies in the elderly care sector [3] - The news highlights the exploration of real estate investment trusts (REITs) for eligible projects in the pension sector and the facilitation of cross-border financing for elderly care enterprises [3] - Local financial organizations are encouraged to provide diversified financial services tailored to the needs of the elderly care industry [3]

《广州市关于促进养老金融高质量发展若干措施》日前印发。其中提到，支持参与养老服务体系建设。 拓展丰富融资渠道鼓励资本实力较强、经营规范的保险公司，稳健有序投资养老机构、康复医院、专科 医院等，参与发展居家、社区及机构养老服务。优化投资养老服务体系营商环境，加强政策解读和规范 操作指引，加强对养老用地的规划和供应，为更多资金参与布局养老产业创造条件，落实养老服务业扶 持政策保障。探索数字人民币与养老服务场景应用衔接。 ...

广州：支持符合条件的养老产业企业通过上市、挂牌、发债等方式，扩大直接融资渠道 金十数据5月14日讯，《广州市关于促进养老金融高质量发展若干措施》提到，支持符合条件的养老产 业企业通过上市、挂牌、发债等方式，扩大直接融资渠道。用好区域性股权市场，为非上市养老产业企 业非公开发行、转让证券提供服务。探索养老领域符合条件的 项目 发行基础设施领域不动产投资信托 基金（REITs）。用好外汇管理政策，探索提升养老产业企业跨境投融资便利化水平，支持养老产业企 业在全口径跨境融资宏观审慎模式下自主借用外债，进一步满足养老产业企业的跨境融资需求。 ...

Group 1 - The article highlights the improvements in home and community elderly care services in Suqian City, particularly in the Shuyou District, due to the special rectification efforts by the district's disciplinary inspection and supervision commission [1][2] - The commission has implemented a "deep supervision" approach, conducting thorough inspections of 63 key locations, including elderly care institutions and meal service points, to identify issues related to fund usage, service quality, and facility safety [1][2] - A total of 19 irregularities in the operation of community meal service points and day care centers, as well as 77 safety management vulnerabilities, were discovered during these inspections [1] Group 2 - The commission is addressing critical issues such as the lack of maintenance for smart devices and the delayed responses in home care services by promoting the establishment of a dynamic monitoring platform for equipment and upgrading the "smart elderly care platform" [2] - A total of 43 cases of violations, including the misappropriation of elderly care resources, have been seriously addressed, reinforcing the accountability and improvement mechanisms in place [2] - The district is working on enhancing the training and management of service personnel, establishing integrity records, and improving complaint mechanisms to ensure transparency and accountability in elderly care services [2][3]

本文来自微信公众号：新周刊 （ID：new-weekly），作者：陈茁，编辑：桃子酱，题图来自：AI生成 "没想到，日本的养老院竟这么落后。" 这是2013年川口彰俊初入养老行业时的第一印象。在那之前，他在一家制造业日企的厦门分公司上班，习惯了机械化、IT化的工作环境。如果不是应舅舅 的邀请回到日本，在富山县帮忙管理养老院，川口彰俊恐怕不会意识到，外界眼中堪称典范的日本养老模式，远没有想象中完美。 此后10年，川口彰俊以"社会福祉法人喜寿会"（以下简称"喜寿会"）常务理事兼特别养护养老院院长的身份，推动了养老院的"3A介护改革"（安全、安 心、安逸），见证了日本这个"超高龄社会"所面临的现实挑战——看似光鲜的养老体系之下，国家预算不足、护工严重短缺、科技化水平滞后等深层危机 正投下巨大阴影。 这些切身体验和深刻观察，最终被川口彰俊写进《高龄海啸》一书里。他在书中详细梳理了日本养老体系的发展历史、繁杂的介护保险制度，以及自己作 为养老院院长的一线经验。 日本是全球老龄化程度最高的国家，2024年，65岁及以上的老年人口达到3624.3万人，占总人口的29.3%。在川口彰俊生活的富山县，高龄化率超过 30%。偶尔 ...

广东省广州市大湾区科学论坛永久会址眼下正如火如荼地建设中。该项目建成后将成为粤港澳大湾区国 际科技交流合作及科学产业化关键枢纽。刘伟摄（人民视觉） 近年来，江西省赣州市大力推进装配式钢结构、钢板、型钢施工替代钢筋混凝土施工，有利于节能降 耗。图为赣州市芦苇路小学教学楼项目建设现场塔吊林立，工人在加紧安装节能型装配式钢结构。朱海 鹏摄（人民视觉） 大项目主要分布在哪些领域？税务数据显示，在各类重大项目中，交通运输项目比例最高。 当前，投资形势如何？税务数据是一个重要观察窗口。其中，建筑、铁路、公路、水运、水利、能源、 机场等领域工程项目吸纳流动农民工就业的，主要以项目方式向税务部门申报相关社保信息，这项税务 数据成为反映重点工程项目投资情况的"晴雨表"。 国家税务总局近日发布的数据显示，2025年一季度，全国以项目方式申报工伤保险的工程项目同比增长 9.4%、工程总造价金额同比增长4.8%，反映出中国重点工程项目总体推进顺利，项目投资增长势头良 好。 造价超10亿元的项目增长超四成 今年以来，各地重大工程项目陆续开工，抢进度、忙生产，工程投资和建设领域热力旺。 从走势看，进入3月份后，投资项目施工进度明显加快。 ...

Core Viewpoint - The establishment of the "Service Consumption and Elderly Care Re-loan" policy aims to enhance financial support for the elderly care industry and stimulate domestic consumption, with a total loan amount of 500 billion yuan allocated for this purpose [1][2]. Group 1: Policy Details - The total amount for the service consumption and elderly care re-loan is set at 500 billion yuan, with an annual interest rate of 1.5% and a maximum term of 3 years [2]. - The policy is applicable to 26 national financial institutions, including major banks and city commercial banks, and will be in effect until the end of 2027 [2]. - Financial institutions can apply for re-loans from the People's Bank of China based on the loans they issue, with a 100% reimbursement rate for eligible loans [2]. Group 2: Implementation and Impact - The first loan under this policy was issued to Tongyong Health and Elderly Care Company, a subsidiary of the Tongyong Technology Group, to support its development in the elderly care sector [1][2]. - The Industrial and Commercial Bank of China (ICBC) plans to further implement the elderly care re-loan policy to provide timely and cost-effective financial services to more elderly care enterprises [3]. - ICBC aims to innovate financial products and optimize service processes to support the development of the elderly care and consumption sectors comprehensively [3].