同时，人行湖北省分行积极推动财政金融政策协同，引导金融机构加大对养老领域的信贷支持。一方 面，充分发挥服务消费与养老再贷款等结构性货币政策工具效能，强化政策解读与落地引导，加大养老 产业贷款供给。在再贷款政策引导下，邮储银行（601658）湖北省分行高效完成某康养中心项目1.6亿 元授信审批，发放首笔4800万元贷款并成功申报再贷款。另一方面，积极配合湖北省财政厅落实服务业 经营主体贷款贴息政策，切实降低养老领域经营主体融资成本。 2025年以来，中国人民银行湖北省分行认真贯彻落实中国人民银行等9部门《关于金融支持中国式养老 事业 服务银发经济高质量发展的指导意见》，为全省养老产业注入金融活水，助力银发经济高质量发 展。截至2025年11月末，湖北省养老产业贷款余额56亿元，同比增长200.6%，养老金融逐步迈入发展 快车道。 养老产业贷款余额达56亿 为统筹做好湖北省养老金融工作，中国人民银行湖北省分行与湖北省地方金融管理局、湖北省民政厅、 湖北省经信厅等部门建立联合支持湖北省银发经济高质量发展的工作机制，加强产业政策与金融政策的 协调联动，引导金融机构健全养老金融管理服务体系，合力推动养老金融加速发展。截 ...

过去二十年，房子之所以被看作"硬通货"，核心原因并不复杂：需求稳定、门槛高、流动慢，却足够安 全。可当市场逐渐成熟，人口结构、消费习惯都发生变化之后，单一资产承载财富增长的能力，自然会 被削弱。 而新的赚钱逻辑，更偏向于长期需求、持续复购、技术或服务壁垒。一旦踩中趋势，哪怕起点不高，后 劲也足。 在不少预测中，有三个行业被反复提及，原因也很现实。 1、和"变老"有关的产业，正在悄悄变大 很多人不愿意聊变老，但现实是，时间对谁都一样。和年龄相关的需求，并不会突然爆发，而是像水一 样，一点点漫出来。 健康管理、康复护理、功能改善、生活辅助，这些领域过去常被当成"低端服务"，但现在已经完全不是 一个概念。越来越多的产品和服务开始走向专业化、精细化，价格也不再低廉。 关键在于，这类需求一旦产生，往往是长期存在的，很少"一次性解决"。只要服务质量过关，用户黏性 非常强。比起靠涨跌赚钱，这种模式更像慢慢滚雪球。 很多从业者说得很直白：这不是暴富的行业，但很可能是未来十年，最不缺客户的领域之一。 不管经济环境如何变化，有一件事始终不会变——大家都希望用更少的时间，解决更多问题。谁能帮人 提高效率，谁就更容易拿到钱。 这种效 ...

王永春介绍，我国养老产业已经形成了较为坚实的发展基础。截至2025年10月，全国养老产业企业数量 达1700多万户，缴纳社保的从业人数4900多万人，保守估算从业总人数已超过1亿人。与此同时，全国 已配套形成47万个各类服务载体，涵盖养老机构、社区服务中心、助餐点等多种形态，共同构建起覆盖 城乡的"一刻钟养老服务圈"。 "全国市场主体才1.8亿，我们占近1/10；8亿劳动力，我们占1/8。"王永春用数据说明养老产业的体 量，"从这个规模来看，'十五五'银发经济到底以什么样的节奏推进、重点应该怎么踩，需要认真研 究。" 从细分领域看，养老科技和智慧养老服务企业达543万多户，占养老产业总体比重30.66%。其中，智慧 养老服务企业以22%的增速领跑，成为规模最大的细分领域之一。预计到2035年，银发经济规模将达 19.1万亿元，占GDP比重将达9.6%。 筑牢基本养老服务是发展银发经济的前提 王永春强调，基本养老服务供给应当是第一优先级，要以兜底性和普惠性为核心，先把"底盘"打牢，才 能谈银发经济更大规模的扩展。 "银发经济的底层逻辑，是在解决人民群众'急难愁盼'的过程中培育新的经济增长点。"王永春说，只有 把 ...

12月26日，由新京报社与中国老龄产业协会科技委联合主办，主题为"看2026银发经济新趋势研讨会"在 京举行，围绕"十五五"时期银发经济的发展趋势、服务供给与技术落地等议题展开研讨交流。 政策牵引的另一面，是产业体量被更直观地"量化"出来。王永春介绍，以国家统计分类口径划分，养老 产业分为12大类；到2025年10月，我国老龄化水平为18.72%，新注册企业173.8万户、注销129.9万户， 实有企业1775万户；按社保缴纳口径估算，从业人员为4981万。 与此同时，养老供给载体正在形成更清晰的网络。王永春介绍，截至2025年10月，全国服务机构总量约 47万，其中养老机构3.88万、社区服务中心32万、助餐点11万。这些载体共同构成从机构端到社区端、 再到助餐等便民节点的"多载体谱系"，让服务更贴近老年人生活半径，也为后续的专业照护、康复服务 与智慧养老应用提供接入点。 不仅如此，马旗戟表示，在增长路径上，我国银发经济的动力结构也正在发生变化：前一阶段更多依靠 政府完成全覆盖兜底、基础设施建设和制度投入，"十五五"期间，市场化供给的扩张和升级将成为核心 动能。公共服务体系要把底兜牢，社会力量则主要投向以社 ...

"十五五"规划建议提出，"促进人口高质量发展。积极应对人口老龄化，健全养老事业和产业协同发展 政策机制"。 加力布局健康养老产业已是头部险企的集体行动。在中国人寿集团"333"战略的三大新业务增长极中， 养老、健康是重要两极。康养生态建设成为中国人寿体系内的重要工作内容。 近日，国寿集团旗下国寿健康产业投资有限公司（简称"国寿健投公司"）详细介绍了成立六年多来的业 务实践，并透露了养老布局重点和思路。 已开业运营10个养老项目 12月25日，位于北京市昌平区未来科学城核心位置的国寿嘉园·北京乐境全面启用，这是国寿健投公司 在北京布局的近城心CCRC型（持续照料型）机构养老社区。该社区设置553套房间、947张床位，将围 绕长者的吃住医护等多元养老需求提供综合解决方案。 这是国寿集团"333战略"下的又一个重要项目。截至目前，国寿已开业运营的养老养生项目增至10个， 具体包括：北京乐境、天津乐境、苏州雅境、成都乐境、青岛悦境、深圳社区项目等8个养老项目，以 及三亚逸境、北戴河逸境2个康养旅居项目。 国寿健投公司于2019年7月成立，是国寿集团一级子公司，定位于健康养老产业投资机构和养老服务运 营商。国寿健投公司 ...

Core Viewpoint - The article discusses the evolving attitudes towards aging in society, particularly in Japan and China, highlighting the opportunities in the aging population market and the innovative approaches being taken by companies like Taikang Insurance in the eldercare and pension sectors [1][2][5][7]. Group 1: Demographic Changes and Aging Population - By the end of 2024, China's elderly population (aged 60 and above) is projected to reach 310 million, accounting for 22% of the total population, and is expected to rise to around 30% by 2035 [4]. - The average life expectancy in China is nearing 79 years, with a continuous increase of 2-3 years every decade [5]. - The aging population is anticipated to constitute one-third of society in the next 20 years, indicating a significant demographic shift [3]. Group 2: Market Opportunities in Elderly Care - The demand for "enjoying old age" is creating substantial market opportunities, as seen in developed countries where healthcare is recognized as a promising industry [6]. - China is establishing a multi-faceted pension system and various commercial pension products to address the needs arising from demographic changes [7]. - The insurance industry is increasingly competing in the eldercare market, with companies like Taikang Insurance leading the way by integrating healthcare resources [8]. Group 3: Taikang Insurance's Innovations - Taikang Insurance has been exploring the integration of insurance with eldercare services since 2007, positioning itself as a significant player in the eldercare market [9]. - The company has seen a notable rise in its global ranking, moving up 47 places to 334 in the Fortune Global 500, reflecting its growing influence [9]. - The "New Life Insurance" model proposed by Taikang emphasizes a triad of payment, service, and investment, aiming to enhance customer experience and financial stability [55]. Group 4: Global Perspectives on Elderly Care - The article references the global trend of increasing life expectancy, with half of the countries expected to have a life expectancy exceeding 75 years by 2024 [10]. - The U.S. and Japan have established robust pension systems, with the U.S. having over 90% of total pension assets in the second and third pillars [18]. - The article contrasts the U.S. approach to eldercare with China's, noting that many high-quality eldercare facilities in China are initiated by insurance companies, which have the financial capacity to integrate various resources [33]. Group 5: Challenges and Future Directions - The article highlights the challenges faced by the insurance industry, particularly in the U.S., where misjudgments about market demands have led to a decline in market position [36][39]. - It emphasizes the necessity for the insurance sector to seize the strategic opportunities presented by the aging population and to develop a complete financial mechanism for eldercare services [48]. - Taikang's long-term investments in healthcare and eldercare are positioned as a model for sustainable growth in the industry, with significant financial commitments planned for the future [59].

Core Insights - The "silver economy" in China, characterized by a population of 310 million elderly individuals, is growing at a pace that surpasses younger consumers, indicating a significant market potential worth trillions [1] - Despite the enthusiasm surrounding policies and initiatives aimed at the elderly, the actual consumption market faces challenges, with a disconnect between demand and effective supply [1] Group 1: Market Dynamics - The elderly consumer group tends to prioritize practical needs over emotional spending, with 78.3% of seniors considering actual needs as their primary factor in purchasing decisions [1] - The elderly demographic is heterogeneous, with significant disparities in income, health, and family support, complicating product development and market strategies [1] Group 2: Supply-Side Challenges - The core bottlenecks hindering consumption among middle-income elderly individuals include supply mismatch, trust issues, and unclear payment expectations [2] - The market is currently trapped in a low-end, homogeneous product cycle, failing to align with the genuine needs of the elderly [2] Group 3: Future Directions - Future development of the silver economy requires a shift in focus from youth-centric consumption models to those that emphasize the "lifecycle value" of elderly consumers [2] - Successful engagement with the elderly market will depend on creating a "trust-consumption" pathway and addressing deeper emotional and experiential needs [2]

Core Viewpoint - The aging population is driving the "silver economy," with elderly education being a crucial component to activate this economic sector. Hainan is looking to learn from Hong Kong's experiences in elderly education to enhance its own silver economy through innovative mechanisms and integration of education with industry [1]. Group 1: Establishing a Collaborative Elderly Education System - Hong Kong has integrated elderly education into its overall aging policy framework, creating a multi-departmental collaborative policy system. In contrast, Hainan lacks a unified leadership structure for elderly education, which is currently managed by three separate entities without effective communication [2]. - A long-term mechanism should be established in Hainan to optimize resource allocation among different educational institutions and clarify the responsibilities of governing bodies [2]. Group 2: Demand Management System for Elderly Education - The new generation of educated seniors in Hong Kong is becoming a significant force in driving new consumption models. Hainan's elderly education should focus on creating social and economic value for seniors, particularly younger seniors [3]. - A dynamic demand research system is recommended, including the establishment of a Silver Economy Research Institute in Hainan to conduct ongoing surveys and publish a "Silver Economy Skills Demand White Paper" [3]. Group 3: Integrating Education with Industry - The experience from Hong Kong indicates that a curriculum closely aligned with industry needs is essential for stimulating the silver economy. Hainan should move away from traditional interest-based courses to develop a curriculum that is market-driven and industry-empowered [4]. - Courses should be tailored to Hainan's regional characteristics, such as collaborating with local heritage centers to teach traditional crafts alongside e-commerce skills [5]. Group 4: Promoting Cross-Border Elderly Care and Learning - The cooperation between Hainan and Hong Kong presents new opportunities for cross-border elderly care and educational programs, including a "Hainan-Hong Kong Interactive" cross-border elderly care plan [6]. - A "Hainan-Hong Kong Silver Learning" brand should be developed, offering themed educational travel products that cater to the interests of elderly participants from both regions [7].

专题：2025年度中国保险鼎峰50人论坛 专题：2025年度中国保险鼎峰50人论坛 12月17日，中保新知联合新时代保险研究院主办的"2025 年度中国保险鼎峰50人论坛"在北京举办，本 届论坛由中央财经大学金融品牌研究所、中央财经大学中国精算科技实验室、北京工商大学中国养老金 融研究院提供学术指导。 论坛以 "'十五五'启航 擘画保险蓝图" 为核心主题，汇聚近百位 "中国保险鼎峰108将"代表以及金融监管 领域资深专家、权威学者与企业核心高管等，围绕 "十五五" 时期保险业高质量发展的破局路径与前行 方向展开深度研讨，为行业未来发展凝聚共识、贡献智慧。 湖南万医康养集团有限公司董事长周求华出席并参加"打造'医康养'新链条"圆桌环节。在他看来，从现 阶段来看，养老产业的蓝海是巨大的。构建养老生态的核心是：将养老产业与养老产品供应链、养老事 业、养老服务、养老金融有机地结合起来，构成一个真正的生态协同，为更多的老年人提供健康养老、 快乐养老、科技养老、抗衰养老精准服务，让这些老年人把养老财富用来买健康、买延年益寿，快乐健 康活到100岁。 12月17日，中保新知联合新时代保险研究院主办的"2025 年度中国保险 ...

Core Viewpoint - The forum focused on the theme "'14th Five-Year Plan' Launch: Charting the Insurance Blueprint," discussing the high-quality development paths for the insurance industry during the "14th Five-Year Plan" period [6]. Group 1: Industry Development - The forum gathered nearly a hundred representatives from the "Top 108 in Chinese Insurance," along with senior experts from financial regulation, authoritative scholars, and core executives from enterprises to discuss the future development of the insurance industry [6]. - Liu Yunlong emphasized the need for a robust medical, health, and elderly care ecosystem, highlighting three key areas: industrial ecosystem construction, government-enterprise ecosystem collaboration, and policy ecosystem development [8][9]. Group 2: Industrial Ecosystem - Liu pointed out that central enterprises, insurance companies, and small and medium-sized enterprises are the three main players in the medical and elderly care sector, with insurance companies being the backbone due to their substantial financial resources and customer base [8]. - The current distribution of elderly care methods shows that home and community care account for nearly 99%, indicating a shift from the traditional "9073" model [8]. Group 3: Government-Enterprise Collaboration - Liu stressed that understanding public needs and aligning with government requirements are crucial for insurance companies to effectively serve society [9]. - Local governments play a vital role in supporting the development of medical and elderly care, which can be facilitated through state-owned assets and government procurement services [8]. Group 4: Policy Ecosystem - Liu highlighted the importance of combining financial and fiscal policies in developing the medical and elderly care sector, citing the U.S. retirement REITs market, which reached $1.4 trillion (approximately 10 trillion RMB) in 2024 [10]. - The domestic public REITs market for infrastructure is still in its early stages, with issuance scale not exceeding 200 billion RMB, but opportunities for development are expected to emerge as policies evolve [10]. Group 5: Financial Sector Involvement - By the end of 2024, the total assets of financial institutions in China are projected to reach 496 trillion RMB, with the banking sector accounting for 445 trillion RMB and the insurance sector for 36 trillion RMB [11]. - Liu suggested that relying solely on insurance funds to drive the development of medical and elderly care is insufficient, advocating for the involvement of commercial banks through financial asset investment companies (AIC) [11].