发展养老金融是应对我国老龄化日益严峻形势的有力对策。 得知宝琪商贸经营情况的农业银行主动与企业进行对接，为其开辟金融服务"绿色通道"，并迅速发放了 100万元普惠养老贷款，帮助宝琪商贸缓解了资金压力。 今年3月，金融监管总局办公厅印发《银行业保险业养老金融高质量发展实施方案》（以下简称《实施 方案》），提出要加大银发经济领域信贷供给。 《实施方案》要求，支持银行机构合理确定贷款期限，科学运用循环贷款、年审制贷款、分期还本付息 等产品和服务，更加精准、有效地支持银发经济经营主体的合理融资需求。同时，鼓励银行机构积极探 索引入政府融资担保机制，有序扩大信贷供给，通过提供专属产品、开辟"绿色通道"等方式，支持适老 化改造、智慧养老设备研发制造以及利用闲置存量场所改建养老服务设施等领域发展。 "循环贷款、年审制贷款、分期还本付息等信贷产品和服务均有利于降低授信成本，提高企业融资效 率，主要适用于满足企业经营性资金需求。"中国银行研究院主管级高级研究员杨娟向《金融时报》记 者表示，在风险可控的情况下，商业银行应加大对养老服务设施建设的支持力度。 辽宁省辽阳宝琪商贸有限公司（以下简称"宝琪商贸"）是一家主营智能护理床、康 ...

Core Viewpoint - Ping An Health Medical Technology Co., Ltd. has become a leading provider of healthcare and elderly care management services in China, focusing on the integration of financial services and healthcare, and is expected to achieve comprehensive profitability in 2024 [1][2] Group 1: Company Overview - Established in 2014, Ping An Health is the flagship of Ping An Group's healthcare and elderly care ecosystem and was listed on the Hong Kong Stock Exchange in May 2018 [1] - The company is now an indirect non-wholly owned subsidiary of Ping An Group, with its financial performance included in the group's consolidated financial statements [1] Group 2: Financial Performance - In 2024, the company is projected to achieve total revenue of 4.808 billion yuan, with a net profit of 81 million yuan and a gross margin of 31.7%, remaining stable compared to the previous year [1] - The revenue from medical services is expected to grow steadily, while the elderly care service segment is anticipated to see accelerated growth [1] - The company reported revenues of 2.42 billion yuan from financial users (F-end) and 1.43 billion yuan from corporate clients (B-end), with F-end growing by 9.6% year-on-year and B-end by 32.7% [1] Group 3: Future Outlook and AI Integration - The company is actively exploring the integration of AI in healthcare, leveraging its own research and the technological advantages of Ping An Group [2] - The deployment of the DeepSeek model is aimed at enhancing data integration and service capabilities in healthcare [2] - Revenue forecasts for 2025-2027 are projected at 5.459 billion yuan, 6.157 billion yuan, and 6.977 billion yuan, with year-on-year growth rates of 13.5%, 12.8%, and 13.3% respectively [2] - The net profit for the same period is expected to be 205 million yuan, 311 million yuan, and 417 million yuan, with significant growth rates of 152.1%, 51.4%, and 34.0% [2]

一件怪事，现在很多应届毕业生，都觉得找工作难，吐槽岗位少、竞争大、求职难。 数据统计，预计今年有1222万名大学生毕业，同比增长43万人，创历史新高。 家政服务、养老护理等服务业超3000万； 但你知道吗？ 现在全国各个行业"缺人"的呼声却一浪高过一浪——光是直播行业，就号称2025年缺口近2000万，制造 业、IT、养老、AI等领域也纷纷喊出"千万级缺人"口号。 制造业十大重点领域缺口接近3000万； 信息与通信技术领域缺口超2000万； 01 就业"缺口"为何这么大，我们先拿直播行业来解剖麻雀。直播行业，号称缺口2000万，俨然是一个冉冉 升起的就业蓄水池。 AI行业缺口超1000万； ...... | | 三册以不米儿年内的仁业人才献目衣 | | | --- | --- | --- | | 行业或职业 | 缺口量 | 数据来源 | | 制造业十大重点领域 | 接近 3000 万 | 人社部、工信部、教育部 | | 家政服务业 | 超过 2000 万 | 商务部 | | ICT(信息与通信技术) | 超 2000 万 | 《中国 ICT 人才生态白皮书》 | | 直播 | 1941.5 万 | 《网络主播 ...

在现代时尚的T台上，已经退休的孙阿姨身着鲜艳的旗袍，以优雅的台步赢得阵阵掌声。日前的这 一幕，成为萧山区人社局"社彩枫呈"文化养老品牌最生动的注脚。这个创立于2023年的品牌，正在用创 新的四维服务体系，重塑养老的内涵与外延。 "社彩枫呈"最显著的突破在于实现了养老理念的范式转换。企退模特秀决赛这场视觉盛宴的背后， 是萧山对文化养老的深刻理解——通过搭建展示平台，让老年人重获价值认同。从民族舞《宴清都》到 戏曲联唱，从"社彩市集"到主题游学，这些文化活动不仅丰富了老年群体精神生活，更让老年群体从被 照顾者转变为文化传承者和价值创造者。数据显示，两年来，萧山全区开展各类活动数十场，实现了乡 镇全覆盖。这种转变印证了积极老龄化理论——当老年人获得价值创造的平台时，养老就从被动接受转 变为主动参与。 在科技应用方面，萧山创造了"智慧+人文"的典范。"无感认证"系统通过大数据完成99.6%的资格认 证，同时保留对特殊群体的上门服务；"萧然企退"APP实现业务"指尖办"，而遍布村社的退管队伍则确 保了服务的"最后一百米"。这种技术赋能不是冰冷的替代，而是让服务更有温度的工具创新。 从闻堰老街的越剧沙龙到湘湖年鱼会的民俗 ...

Core Insights - The introduction of the new profession of "Elderly Care Service Specialist" reflects the growing demand for specialized services in the aging population, highlighting the need for comprehensive care solutions [2][8][16] Group 1: Definition and Role of Elderly Care Service Specialist - The Elderly Care Service Specialist is defined as a professional responsible for comprehensive needs assessment, service planning, implementation of care techniques, quality evaluation, and practical research in elderly care [3][5] - This role is characterized as a composite professional, requiring expertise across various domains including medical care, home economics, management, and psychological counseling [5][6] Group 2: Demand and Market Trends - As of January 2025, the elderly population in China has reached over 310 million, with an annual increase of over 10 million, indicating a significant rise in demand for elderly care services [8][16] - The needs of the elderly are becoming increasingly diverse and personalized, necessitating tailored care solutions that address physical, psychological, and environmental factors [8][9] Group 3: Future Employment Models - It is anticipated that Elderly Care Service Specialists will primarily work within regional elderly service centers, institutions, or community care stations, rather than independently [10][12] - The role is expected to evolve similarly to Japan's care managers, who provide comprehensive assessments and service allocations for the elderly [10][11] Group 4: Professional Standards and Training - The profession requires high standards of training and certification, with expectations for practitioners to have substantial experience and specialized knowledge in elderly care [14][15] - The establishment of a standardized certification system is crucial for ensuring the quality and professionalism of Elderly Care Service Specialists [16]

Group 1: Company Updates - Shanghai Airport has clarified that power banks not included in the recall batch, with clear information and no exterior damage, can be temporarily stored for 7 days [1] - Nissan is seeking to delay payments to suppliers to free up cash, as the company aims to cut costs by 500 billion yen (approximately 3.4 billion USD) and plans to lay off about 15% of its workforce [1] - Demais has stated that it has not directly collaborated with Xiaomi Auto, although its products are used in Xiaomi's vehicles [1] - China Railway Construction has established a new energy development company in Changsha with a registered capital of 5 million RMB, focusing on solar and wind power services [9] Group 2: Market Trends and Innovations - Petal Ads showcased its innovative marketing strategies at the Retail Summit 2025 in Italy, aiming to help European brands penetrate the high-end Chinese market [2] - AVIC Shenyang Aircraft Corporation announced that its new district construction project is expected to achieve production line connectivity and trial operation by the end of this year [3] - Tencent Cloud and Weimob launched a "Private Domain Security Escort Plan" to support clients in private domain operations and marketing [4] - Kangaroo Outbound Technology introduced an innovative "Tourist Scenic Area Co-branded Card" solution to facilitate payments across various scenic spots [12] Group 3: Financial Developments - New World Development has signed a new refinancing agreement with banks to restructure approximately 88.2 billion HKD of existing unsecured financial debt [8] Group 4: Product Launches - DJI has launched its new flagship civil transport drone, the DJI FlyCart 100, designed for various applications including emergency and logistics [11] - Haiguang DCU has initiated deep technical cooperation on the Wenxin 4.5 series models, which include a mix of large and dense parameter models [10]

没作品还龅牙，却成为萌翻全球的现象级IP，LABUBU刮起潮玩旋风的背后，有着"世界玩具看中国， 中国玩具看广东"的深刻印记；说着粤语方言、跳着魔性舞蹈，能进厂打工也能聊天解闷，十八样武艺 样样精通的广东机器人让"七剑客"的名头威震江湖…… 在广州视源电子科技股份有限公司，机械臂在生产线上舞动，一台台具有核心科技的产品打包出发，运 往全球。面对着超高清显示视频这一赛道趋于白热化的竞争，该公司依靠创新"卷"出了三大拳头产品 ——液晶显示主控板卡、交互智能平板、智能会议平板，在全球范围内都是数一数二的存在。如今，全 球每三台电视机，就有一块主板"视源造"。 在潮州三环（集团）股份有限公司，小至1毫米的颗粒——多层片式陶瓷电容器（MLCC）正在"出 仓"。别看个头小，一颗"米粒"里头堆叠着上千层陶瓷介质膜，量级也来到比一根头发直径四十分之一 还小的微米，堪称"螺狮壳里做道场"。这种基础元件被称为"电子工业大米"，我国过去曾长期高度依赖 进口。在持续的创新攻坚之下，三环集团生产的MLCC已能覆盖90%产品规格的国产化，有力地促进国 内高端电子元件产业链的发展完善。 今年以来，广东制造频频"出圈"，但又不断面临新的挑战 ...

证券研究报告 宏观 如何释放服务消费潜力 华泰研究 易峘 研究员 2025 年 6 月 30 日│中国内地 专题研究 如我们在《以旧换新的成效评估和后续展望》（2025/6/21）中分析，去年 9 月开始，"国补"相关消费品增速大幅回升，但对其他可选消费形成一定挤 压效应，鉴于 "国补"年化总额仅占可支配收入约 1.5%，而去年 4 季度以 来国补品类对零售增长的贡献高达 3 个百分点左右。下半年，随着补贴退潮， 此前被"挤出"的消费品类增长可能更快、尤其是服务消费。此时加大对高 频服务消费的支持力度可能事半功倍。本文从全球对比角度分析服务消费的 增长空间，并从短期及中长期探讨消费提升的政策选项。 1.中国 GDP 中总消费占比有所低估,但服务消费对比发达国家提升空 间较大 截至 2023 年，以支出法衡量的中国最终消费支出占名义 GDP 的比例约为 56.8%，低于日韩、欧美等发达经济体 65%-81%的水平。但可能由于统计 口径、估算方法等差异存在低估：1）住房消费采用成本法估算，较虚拟租 金的估算方法偏低；2）政府向居民提供的公共服务未计入家庭消费支出。 从消费结构看，中国服务消费占比偏弱。中国居民消费 ...

为深入实施积极应对人口老龄化国家战略，增进老年人福祉，促进银发经济高质量发展，近日，我省印发《辽宁省深化养老服务改革促进银发经济发展 实施方案》，提出到2027年，培育建立4个以上银发经济产业园区，乡镇（街道）区域性养老服务覆盖率达到70%，每年新建和改造养老机构不少于50家； 打造一批银发经济重点产业、品牌企业、重大项目，银发经济成为拉动消费的新增长点。 促消费离不开多样化、高品质的产品和服务，我省提出发展居家和社区养老服务，打造"辽养到家"品牌，发展社区支持下的居家养老服务。加快推进区 域性养老服务中心、嵌入式社区养老服务设施、老年助餐机构建设，到2029年基本建成覆盖城乡的三级养老服务网络。优化机构养老服务，鼓励各地区因地 制宜发展兜底保障型、普惠支持型、完全市场型养老机构。强化老年健康服务，推进老年医院和综合性医院老年医学科建设。鼓励有条件的医疗机构将健康 服务延伸至社区和家庭。完善养老照护服务，加快建立长期护理保险制度，到2030年全省养老机构护理型床位占比不低于70%。 扩大产业规模，培育壮大经营主体，我省引导企业积极开拓银发经济市场，打造一批银发产业领域知名企业。完善银发经济企业服务机制。支持有 ...

Core Insights - The article discusses how Guomai Technology is leveraging AI and IoT to address challenges in elderly care, introducing the first AI-based home care intelligent system in China [1][2] - The company has developed a large-scale IoT experimental community called "Guomai University Elderly Care," indicating a deepening commitment to the elderly care sector [1][2] Group 1: AI and IoT Integration - Guomai Technology combines IoT technology with AI to create a new model for smart elderly care, enhancing user interaction and providing personalized service recommendations based on real-time data analysis [2][4] - The AI system is designed to monitor physiological indicators and behavioral changes, offering timely health risk alerts and personalized service plans [2][4] Group 2: Intelligent Agents - The company has launched three intelligent agents: one for helping new residents adapt, another for daily living and social activities, and a third for health and safety monitoring [4][5] - These agents can operate independently or collaboratively to address specific needs in elderly care [4][5] Group 3: Human-Centric Design - The AI intelligent agents utilize non-contact monitoring technology to track vital signs without disturbing the elderly, ensuring a user-friendly experience [5][7] - The system allows family members to monitor their parents' health data with consent, fostering communication and emotional connection between generations [7][9] Group 4: University Elderly Care Model - The "University Elderly Care" concept integrates elderly care with university activities, allowing seniors to participate in courses and community events, thus enhancing their social engagement and sense of purpose [8][11] - This model aims to address the evolving needs of the elderly, focusing on both physical and mental well-being [9][11] Group 5: Industry Transformation - With an aging population projected to reach 310 million by the end of 2024, Guomai Technology aims to drive positive change in the elderly care sector through technological innovation [12][13] - The company recognizes the need for a deeper involvement in the elderly care industry to successfully implement intelligent solutions, leveraging university resources for interdisciplinary collaboration [12][13] Group 6: Talent Development - Guomai Technology has established a nursing and health college, training nearly 1,500 professionals in elderly care services, thereby addressing the demand for skilled personnel in the industry [13] - The practical applications and data from the elderly care sector will enhance educational programs and research, creating a beneficial cycle of innovation and talent development [13]