新浪声明：所有会议实录均为现场速记整理，未经演讲者审阅，新浪网登载此文出于传递更多信息之目 的，并不意味着赞同其观点或证实其描述。 责任编辑：李思阳 专题：财经年会2026：预测与战略暨2025全球财富管理论坛 专题：财经年会2026：预测与战略暨2025全球财富管理论坛 《财经》年会2026：预测与战略暨2025全球财富管理论坛于2025年12月18-20日在北京举行。中信养 老总经理魏松表示，未来30年中国养老市场将经历三到四代代际更迭，不同出生年代的群体将呈现显著 差异化需求。以上海为例，"十五五"期间将迎来二战后出生人群的80岁以上人口跨越式增长，而后续60 后、70后群体进入养老阶段后，将带着更强的消费能力和更先进的消费理念，进一步推动市场升级。 他强调，未来养老服务产品必然走向分级、分层，政府与市场将形成清晰的功能划分——政府继续承担 兜底保障责任，市场则聚焦不同消费层级，提供多元化、个性化产品。随着市场演变，将逐步形成覆盖 不同健康状况、收入水平、生活偏好的养老服务生态，满足从活力老人到非活力老人的全周期需求。 谈及养老目的地与消费选择，魏松提出独特视角：退休后的"活力阶段"可量力而行，选择空间 ...

Group 1 - The report highlights the growing demand for quality elderly care among high-net-worth families in China, driven by demographic changes such as an aging population and declining birth rates [1] - The elderly population in China is projected to exceed 290 million by 2024, marking a significant shift from a theoretical trend to a pressing reality [1] - The elderly care industry is identified as a stable and promising sector, with four main modes of elderly living: health care, medical care, nursing care, and comfort care [1] Group 2 - The report indicates that artificial intelligence will significantly reshape the elderly care experience for high-net-worth individuals, with nearly half expressing interest in telemedicine and smart wearable devices [2] - There is a notable preference for public hospital health check centers among high-net-worth individuals, reflecting a strong demand for professional medical services [2] - Traditional Chinese medicine is gaining traction in preventive health care, with a higher selection rate compared to Western nutritional products, indicating a preference for comprehensive health management solutions [2]

Group 1: Governance Framework for China's Silver Economy - The aging process in China is accelerating, with the population aged 65 and above reaching 14.2% in 2021, entering a deep aging phase, and expected to transition to a super-aged society around 2030 [9][10] - BCG has developed a governance framework for China's silver economy, focusing on "family and country resonance, mutual benefits, and multi-party governance" with the goal of "healthy aging for the elderly and shared happiness for all" [9][10] - The governance framework emphasizes four main lines: health, career, wealth, and consumption, aiming to transform challenges into opportunities for the elderly population [9][10] Group 2: Governance Objectives - The governance objectives for China's silver economy must align with national strategies, respond to the realities of the country, and meet the expectations of the people, ultimately achieving the goals of healthy aging and shared prosperity [29][30] - The governance system should integrate strategic height, national conditions, and the depth of people's livelihoods to effectively address the challenges posed by an aging population [29][30] Group 3: Key Focus Areas for Governance - Health: Transitioning from "poverty due to illness" to "enjoying health," focusing on building a comprehensive health service system and enhancing anti-aging technology research and application [51][52] - Career: Encouraging the reactivation of elderly labor force participation and providing diverse career paths to prevent "silent retirement" [51][52] - Wealth: Establishing a robust pension insurance system and optimizing financial services for the elderly to shift from "aging without wealth" to "wealthy aging" [51][52] - Consumption: Activating the consumption potential of the elderly and promoting high-quality development of the silver economy to overcome "consumption dilemmas" [51][52] Group 4: Multi-Party Governance Structure - The governance structure involves multiple stakeholders: the government for top-level design and institutional guarantees, enterprises as market innovators, communities for grassroots services, families for emotional support, and individuals as self-managers of health [9][10][11] - This collaborative governance model aims to create a vibrant silver economy by integrating resources and responsibilities across different sectors [9][10][11]

曹鸿雁的讲解内容详实、重点突出，与会女企业家深受启发、倍感振奋。大家纷纷表示，通过此次座谈， 对香坊区养老产业发展前景有了更全面的认识，也深切感受到区民政局在民生保障工作中展现的责任担当 和务实作风。 座谈中，曹鸿雁围绕香坊区民政工作总体布局，结合香坊区民政"九个一"工作体系，系统介绍了全区民生 保障工作推进成效。同时，针对女企业家商会会员高度关注的银发经济领域，曹鸿雁重点解读了香坊区三 级养老服务体系建设规划，详细阐述了当前养老产业帮扶政策、现有养老服务设施运营情况及未来发展方 向，深入分析了香坊区打造养老发展改革先行区的战略部署与产业机遇，为民营企业参与养老事业提供了 清晰指引。 为深入贯彻落实《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》中"构建多层次养老 服务体系，强化医养结合、长期护理保险和适老化改造，激活银发经济"的部署要求，精准搭建政企沟通 协作桥梁，近日，哈尔滨市香坊区女企业家商会组织会员代表赴区民政局开展座谈沙龙活动。香坊区民政 局党组书记、局长曹鸿雁，香坊区工商联党组书记、常务副主席江丽华出席活动，区女企业家商会会员代 表参加座谈会。 曹鸿雁的讲解内容详实、重点突出，与会女企 ...

Core Insights - China is facing a significant trend of population aging, with the population aged 60 and above reaching 310 million, accounting for 22% of the total population, and a second baby boom generation entering old age in the next 5-10 years, providing a large potential audience for the silver economy [1][2] - The silver economy is supported by policy initiatives, deepening online channel penetration, and supply-side innovations, leading to high-quality market development and diverse demands from the elderly population, resulting in various niche markets such as smart elderly care and mobility scooters [1][2] Group 1: Demographic Trends - The elderly population's proportion is continuously rising, with the second baby boom generation set to enter retirement, as the average annual birth rate from 1962 to 1975 exceeded 25 million [2] - The new elderly demographic, particularly those born in the 60s and 70s, has a higher willingness to consume due to accumulated wealth and better health conditions [2] Group 2: Economic Factors - The economic cost of disability from 2021 to 2023 was approximately 13.5 trillion yuan, representing 1.1% of the 2023 GDP, prompting the exploration of long-term care insurance systems [2] - By March 2022, 1.45 billion people participated in long-term care insurance across 49 pilot cities, with 1.72 million receiving benefits, alleviating the burden of care for disabled elderly individuals [2] Group 3: Supply Innovations - Since the 14th Five-Year Plan, numerous policies have been introduced to promote diversified elderly care services, with a focus on systematic, standardized, and intelligent product supply to address current elderly care challenges [2] - The market for the silver economy in China is projected to grow, reaching 7.1 trillion yuan in 2023, with a compound annual growth rate (CAGR) of 13.2% from 2019 to 2023 [2] Group 4: Diverse Needs of the Elderly - The silver population exhibits diverse needs driven by individual differences and the heterogeneity within the elderly group, influenced by social changes, generational differences, and varying health and wealth statuses [3] Group 5: Investment Opportunities - Key investment areas include smart elderly care, mobility scooters, pet food products, convenience supermarkets, pre-prepared food ingredients, health supplements, adult incontinence products, and integrated medical and elderly care services [4][5]

Core Viewpoint - Pacific Insurance's elderly care investment management subsidiary aims to provide comprehensive and personalized elderly care solutions, contributing to the high-quality development of the silver economy in China [1] Group 1: Company Overview - Pacific Insurance Elderly Care Investment Management Co., Ltd. has been deeply involved in the elderly care industry for over ten years, focusing on "serving a better elderly life in the new era" [1] - The company has invested in 15 projects with a total construction area of 1.368 million square meters and over 16,000 beds [1] Group 2: Project Details - The Taibao Home Beijing International Elderly Care Community is a key project in collaboration with the Beijing Economic-Technological Development Area, featuring over 60,000 square meters of community space and 418 elderly apartments [4] - The community aims to meet diverse elderly care needs in the Beijing-Tianjin-Hebei region, enhancing the local elderly service system [4] Group 3: Community Features - The community incorporates a theme of "Haipai Jingyun and Ancient for New," creating a rich cultural environment for the elderly, with facilities designed for convenience and safety [5] - It includes various public areas for community engagement and cultural activities, promoting social interaction among residents [5] Group 4: Health Management - The community features integrated health management services, including a medical center and rehabilitation hall, equipped with advanced health management devices for common elderly health issues [6] - It offers personalized health management services, including nutrition management and rehabilitation therapy [6] Group 5: Care Services - The nursing apartments are designed with a focus on professional talent training and personalized assessment mechanisms to provide tailored care for elderly individuals with varying needs [7] - A comprehensive evaluation process ensures that care plans are customized based on individual health assessments, enhancing service effectiveness [7] Group 6: Cognitive Care - The community has developed a specialized cognitive care product called "Le Yi Jia," creating diverse activity spaces to cater to the needs of elderly individuals with cognitive impairments [8] - The design emphasizes a warm and familiar environment, promoting emotional well-being and engagement for residents [8] Group 7: Strategic Impact - The establishment of the Taibao Home Beijing International Elderly Care Community marks a significant step in building an "insurance + health care" ecosystem in the Beijing-Tianjin-Hebei region, supporting the high-quality development of insurance business [8]

Core Viewpoint - The aging crisis is fundamentally a financial issue that requires significant pension accumulation, which can be achieved through financial tools to promote the development of emerging and pension industries, ultimately creating a sustainable solution to the aging problem [3][6][7]. Group 1: Financial Tools and Investment - Accumulating funds through financial instruments can facilitate the growth of new industries and the pension sector, leading to value preservation and appreciation, which in turn supports the pension system [3][6]. - The accumulation of pensions and long-term life insurance is essential for forming substantial patient capital, which is currently primarily provided by pensions and long-term life insurance [3][6]. Group 2: Industry Development - Addressing the aging issue will stimulate the development of various emerging industries, including the rise of socialized pension industries, the transformation of traditional labor-intensive industries, and the flourishing of health care and wellness sectors [3][6]. - Both the development of new industries and the transformation of traditional industries require long-term capital and diverse financial support, including equity investments, loans, bonds, and insurance, alongside a well-functioning capital market [3][6]. Group 3: Sustainable Solutions - The aging phenomenon is seen as an inevitable historical progression and a sign of social advancement, which, if managed properly through the development of pensions and long-term life insurance, can yield long-term returns and enhance the consumption capacity of the elderly population [4][7]. - A well-structured approach to aging can create a beneficial commercial cycle, making the solution to aging sustainable, with a significant role for pension finance and the broader financial industry [4][7].

Core Insights - Shenzhen is accelerating the development of its "Silver Economy" by establishing a multi-dimensional industrial park system, with 15 new parks announced for 2025, indicating a strategic move to capture a trillion-yuan market potential [4][12] - The first batch of "Silver Economy Industrial Parks" includes three key parks focusing on smart manufacturing, medical devices, and other high-tech sectors, aligning with Shenzhen's industrial development direction [6][12] Group 1: Industrial Development - The Bao'an District has the highest number of selected parks, focusing on smart manufacturing, medical devices, and biomedicine, with 14 elderly care institutions and 3,471 elderly care beds established by the end of 2024 [5][12] - The three parks selected as the first batch include the New Bridge East Advanced Manufacturing Industrial Park in Bao'an, the Deep Hundred New Economic Base in Pingshan, and the Longhua Silver Economy Industrial Park, all of which are aligned with Shenzhen's strengths in technology and innovation [6][12] Group 2: Policy and Support - Shenzhen's government has implemented a comprehensive policy support system to promote high-quality development in the silver economy, including investment support measures and a focus on original innovation and technology breakthroughs [8][12] - The establishment of a virtual silver economy industrial park and multiple district-level parks aims to create a collaborative "1+N" development model, enhancing service delivery and resource integration for enterprises [8][12] Group 3: Cultural Integration - The Guihuatang Laowei Elderly Health and Tourism Industrial Park combines cultural heritage with modern health services, promoting Hakka culture and offering various wellness programs [9][10] - The park has implemented initiatives like the "Silver Inheritor Plan" to engage elderly individuals in traditional crafts, fostering cultural transmission and product innovation [10] Group 4: Market Potential - The silver economy in China is projected to reach 30 trillion yuan by 2035, with Shenzhen positioning itself as a leader in this burgeoning market [11][12] - The establishment of a street-level silver economy committee in Longhua District aims to enhance collaboration among enterprises, addressing fragmentation in the industry and fostering competitive advantages [13]

Core Viewpoint - Shaanxi Province is integrating the concept of positive aging and healthy aging into the entire process of economic and social development, with significant investments in elderly care and community services [1][2]. Group 1: Elderly Care Initiatives - The province has issued an average of 2.9 billion yuan in high-age subsidies, benefiting 3.9 million elderly individuals [1]. - A total of 944 elderly care institutions have been established, including 350 integrated medical and nursing care institutions [1]. - The province has developed 4,419 rural mutual aid happiness homes and 2,538 urban day care centers, enhancing local elderly care services [1]. Group 2: Policy and Infrastructure Development - Over 30 policy documents have been issued to support the construction of a community-based elderly care service system, including funding and talent development [1][2]. - The province has built a "smart elderly care" integrated platform, connecting service stations and elderly households, providing services to 3.2 million elderly individuals [2]. Group 3: Future Plans - Shaanxi Province aims to continue strengthening policy support, optimizing service supply, and enhancing care capabilities to improve community elderly care services [2].

Core Insights - The "Fourth Insurance and Pension Integration and Development Forum" was successfully held in Hefei, focusing on addressing the real concerns of millions of Chinese families regarding pension issues and exploring the integration of insurance and pension solutions [1][4] - Yang Kuan, the head of Dajia Jiantou, shared insights on the "Urban Heart Pension" model, emphasizing its role in reshaping perceptions of elderly care and addressing the challenges of the silver economy [3][5] Urban Heart Pension Model - The "Urban Heart Pension" model emerged from a 2019 study by Dajia Insurance, highlighting the dual needs of the elderly for quality medical resources and emotional companionship [3] - This model focuses on creating a "new living space" for seniors in urban core areas, integrating medical proximity, family closeness, and community engagement [3] - The model has evolved from its initial concept to a comprehensive service capability, with the recent opening of the Dajia's Home Hefei Wutongli Urban Heart Community exemplifying this integration of urban culture and the "Urban Heart" concept [3] Development Trajectory - Since launching operations in Beijing in late 2019, Dajia's Home has established a strategic presence in 14 cities with 16 Urban Heart communities [3] - Notably, the average occupancy rate across six operational communities in cities like Beijing and Tianjin is nearly 90%, with specific communities achieving occupancy rates of 99% and 97% after five years of operation [3] Core Competencies - Dajia's Home is revitalizing state-owned assets like Qiyun Mountain Villa in Hefei, creating a dual benefit of pension services and urban renewal [5] - The company has developed a robust core competency system, including experience management, digital operations, and chain management, and has established a "Senior Experience Database" to enhance service precision [5] Contribution to Silver Economy - The silver economy is viewed as both an economic and social challenge, and Dajia's Home aims to innovate within the "Urban Heart Pension" model to enhance the quality of life for seniors [5] - The company seeks to contribute to the development of the silver economy by providing high-quality elderly care that fosters familial bonds and ensures a healthy, happy retirement for seniors [5]