从银发需求到产业生态 山东爱舒乐卫生用品有限责任公司是国内成人失禁护理领域的领军企业，产品覆盖全国90%的三甲医院 及3000余家养老机构。然而，像养老产业诸多经营主体一样，企业项目建设运营周期长、投入大、盈利 低，同时面临抵押担保不足、资产价值难以评估等问题，导致银行机构准入困难。农行临沂分行党委书 记、行长李增义告诉记者："银行信贷要看企业财务报表的显绩，更要看市场发展的潜绩。一方面要放 开视野，看到养老产业作为朝阳产业增长的空间。另一方面，也要俯下身子，关注到企业的生产能力、 市场定位、经营状况。"结合爱舒乐卫生用品多项生产专利和良好发展前景，农行临沂分行为企业发放 贷款6000万元。 据介绍，在中国人民银行临沂市分行指导下，农行临沂分行用足用好服务消费和养老再贷款等各类支持 政策，同时建立养老企业项目常态化跟踪机制，围绕资金需求，及时调整优化金融支持策略，形成"贷 前精准研判、贷中高效审批、贷后持续服务"的闭环管理模式，并因地制宜推出"农银抚养信用贷""农银 寿养场景贷""农银安养助保贷"等系列产品，围绕医疗健康、康复护理、银发消费等领域，提供精准化 信贷支持。截至今年8月末，该行养老产业贷款余额3. ...

问：信贷结构发生哪些变化？ 答：在经济"换挡转轨"的过程中，增长动能由基建、房地产等传统领域向科技创新、绿色低碳等新兴领 域逐步转换，反映在信贷方面就是信贷结构的变化。 中国人民银行最新公布的数据显示，今年前10个月，人民币贷款增加14.97万亿元。信贷资源投向，有 哪些新变化？反映了什么？发展趋势是？一起来看本期快问快答→ 问：优化信贷结构的必要性是？ 答：优化信贷结构不仅是宏观调控思路转变的需要，也是银行实现自身经营目标的客观要求。近年来， 一些银行通过改进内部资金转移定价、优化绩效考核标准等方式，持续完善内部治理，有效传导央行政 策激励，实现了信贷"量"的合理增长与"质"的不断提升。 问：信贷结构的发展方向是？ 答：中央金融工作会议提出，"随着经济从高速增长转向高质量发展，货币信贷要从外延式扩张转向内 涵式发展"，这是对新形势下做好金融宏观调控的深刻阐述，未来重点是盘活存量金融资源，提升信贷 资产质效。 目前，金融"五篇大文章"相关领域的贷款增速都超过了10％，明显高于全部贷款增速，其中养老产业贷 款增速更是接近60％。民营、小微、"三农"、就业创业、就学助学等领域的主体，既是经济发展中的薄 弱环节，也 ...

近年来，河北省邯郸市通过创新构建"政府主导保基本、市场供给促多元、社会参与强活力"的多层 次养老服务体系，探索出一条符合地方实际的老龄事业高质量发展新路径。 完善政策体系夯实养老基础 邯郸市先后出台《邯郸市养老服务体系建设"十四五"规划》等一系列政策文件，形成了较为完善的政策 支持体系。在设施建设方面，编制实施《邯郸市养老服务设施建设空间规划（2021-2035年）》，科学 布局养老服务设施，建立起覆盖城乡的养老服务网络。 上午，在邯郸市邯钢医养中心康复治疗室，老人们正在医护人员协助下进行康复训练。"目前，老年公 寓的失能、半失能老年人占90%以上，对康复治疗的需求比较大。"医养中心主任申彩霞向记者介绍， 该中心建立了"医疗、护理、康复、养老、健康管理五位一体"全链式模式，与邯钢医院组建紧密型医联 体，创新"模式转换，老人不动"的服务特色，让老人在同一张床位即可获得从急性医疗到日常照护的全 程服务。 邯郸市推动医疗资源与养老服务深度融合，创新建立"医疗机构内设养老机构、养老机构内设医疗机 构、医疗机构与养老机构签约协作、社区居家医养"四类服务模式。目前全市176家医养结合机构共提供 2.11万张床位，实现养老 ...

Core Insights - By the end of 2024, the elderly population aged 60 and above in China is projected to reach 310 million, accounting for 22% of the total population, while those aged 65 and above will reach 220 million, making up 15.6% of the total population [1] Group 1: Aging Population and Demand - The demand for elderly care is shifting from "survival-oriented" to "quality-oriented" as living standards improve [1] Group 2: Ecological Integration in Elderly Care - Promoting the integration of "ecology + elderly care" is essential for both ecological product value transformation and addressing the challenges of an aging population [1] - Beautiful natural scenery and rich ecological resources are key competitive advantages for the high-quality development of the elderly care industry [1] Group 3: Development Models - Mountainous areas can develop a "forest health care" model, including therapeutic trails and botanical science parks, offering services like "forest bathing + traditional Chinese medicine therapy" [1] - Coastal regions can establish "seaside health care communities" as part of a "coastal health care" model [1] - Rural areas can implement a "countryside elderly care" model by transforming idle farmhouses into ecological health care lodgings, complemented by organic gardens and agricultural experience zones [1] Group 4: Environmental Considerations - Project construction must adhere to ecological red lines, avoiding ecologically sensitive areas for elderly care facility locations [1] - Facilities for wastewater treatment and waste classification must be built simultaneously to ensure environmental safety [1]

Core Insights - The Chinese Ministry of Civil Affairs aims to establish a mature and suitable elderly care service system by 2035, ensuring all elderly individuals have access to basic elderly care services [1] - The current elderly care services in China have seen significant transformations, but challenges such as supply-demand mismatch, inadequate networks, inconsistent quality, insufficient technological integration, and lack of comprehensive systems remain [1] - The aging population presents both challenges and opportunities, with a focus on ensuring elderly individuals can enjoy a fulfilling life and share in the benefits of development [2] Summary by Sections Strategic Goals - By 2035, the two strategic tasks for elderly care reform in China are: 1) the establishment of a mature elderly care service system suitable for national conditions, and 2) ensuring all elderly individuals receive basic elderly care services [1] Current Challenges - The elderly care sector is facing urgent issues including supply-demand mismatches, underdeveloped networks, varying service quality, insufficient technological empowerment, and inadequate system integration [1] Future Trends - The elderly care industry is expected to transition towards a "silver economy," with artificial intelligence reshaping the value chain from a labor-intensive model to a data and intelligence-driven model [3] - Experts are discussing key topics such as aging policies, technological innovation, industry integration, and service practices to support high-quality development in the elderly care sector during the "14th Five-Year Plan" period [3]

央视网消息：目前，我国60岁及以上的老年人口有3亿多，让老人们安享快乐幸福的晚年生活，是每一个家庭的愿望。"十五五"规划建议 提出，要积极应对人口老龄化，优化基本养老服务供给，完善城乡养老服务网络。眼下，各地正在探索社区养老的新模式，让老人们在家门口 也能享受到便捷、优质的公共服务。 养老到享老 绘就"银发经济"新图景 不仅是硬件设施日渐完善，"十四五"时期，我国不断完善养老服务，壮大银发列车、医养结合等新业态。养老服务技能人才总量突破500万， 满足老年人养老到享老的多样化需求。 外骨骼机器人、智能拐杖……这几天，葵花社区老幼共托中心引进了一批智慧康养新设备，老人们争先恐后尝试。 不仅是养老照护机器人，眼下，柔性可穿戴设备、大数据健康检测等新技术正越来越多地运用到养老服务中。"十五五"规划建议提出，加强公 共设施适老化和无障碍改造，发展医育、医养结合服务，这让大家充满了期待。 江苏是老龄化程度较高的省份之一。上午8时左右，当记者来到位于连云港市老城区的这个社区邻里中心，一场迎新年的文艺节目在紧锣密鼓 地排练。 据了解，葵花社区里，60岁以上老人有1072名，占到了全部人口的三分之一以上。而几年前，社区里甚至 ...

Group 1 - The report anticipates an increase in retirement REITs projects led by large insurance institutions, branded elderly care operators, or local state-owned enterprises in the next 3-5 years, with ABS/REITs becoming a regular component in the financial toolbox of the elderly care industry, fundamentally altering the capital structure and business model of the sector [1] - The elderly care industry, particularly retirement communities and large elderly care institutions, is characterized by heavy assets and long investment recovery periods, leading operators to face challenges such as significant capital lock-up, poor asset liquidity, and limited financing channels. Activating substantial existing assets is crucial for the sustainable development of the industry [1] - ABS and REITs are transitioning from pilot exploration to normalized issuance, providing opportunities for the elderly care industry to operate in a "lightweight" manner [1] Group 2 - For elderly care operators, issuing ABS/REITs allows them to "off-balance sheet" established and stable retirement communities, enabling a significant recovery of initial investments. This capital can be used to repay debts, reduce corporate leverage, or reinvest in new elderly care projects, facilitating "rolling development" and accelerating scale expansion and brand chain development [2] - This shift also encourages operators to transition from a "hold-operate" model to a "develop-operate-exit" or specialized "light asset operation" model, focusing more on improving service quality and operational efficiency [2]

Core Viewpoint - The article discusses the innovative model of high-quality elderly care services at Xinhua Jiayue Beijing Lianhuachi Apartment, which integrates medical and elderly care services to address the challenges posed by an aging population in urban areas [1][8]. Group 1: Location and Target Demographic - Xinhua Jiayue Beijing Lianhuachi Apartment is strategically located in the core area of Beijing's West Third Ring, near Lianhuachi Park, making it convenient for families to visit and ensuring access to abundant medical resources [4][10]. - The facility primarily targets elderly individuals with severe care needs, including those who are semi-disabled, fully disabled, or suffering from dementia [4][7]. Group 2: Medical and Care Services - The apartment has established a comprehensive multi-level medical support system, including a professional medical room staffed with general practitioners, nurses, and caregivers, providing 24-hour health monitoring and basic medical services [5][11]. - A secondary rehabilitation hospital is integrated within the facility, equipped with professional medical devices and offering real-time insurance settlement, catering to the hospitalization and rehabilitation needs of residents [5][10]. - The surrounding area features nine well-known tertiary hospitals within a five-kilometer radius, ensuring timely referrals for critical patients, thus creating a complete medical service loop from daily health management to emergency care [5][10]. Group 3: Innovative Service Model - The facility employs a unique "upstairs for elderly care, downstairs for medical services" spatial layout, allowing residents to access medical services without leaving the building, significantly reducing the burden on families [6][8]. - A specialized care system has been developed for residents with dementia, incorporating cognitive training, behavioral interventions, and non-pharmacological therapies such as horticultural therapy and music therapy [7][8]. Group 4: Facility Features and Upgrades - The apartment spans 24,000 square meters with 350 designed beds, featuring a 1,500 square meter rooftop garden and individual balconies for each unit, enhancing the living environment for residents [9][10]. - Ongoing upgrades are being made to the facility, including improvements to the elderly activity area and dementia care zone, aimed at further enhancing service quality [8][9]. Group 5: Community Integration and Future Directions - The project is actively exploring the integration of institutional elderly care with community-based home care services, offering community meal services, health lectures, and home assessments to meet local needs [8][12]. - As the aging population continues to grow, the innovative practices at Xinhua Jiayue Beijing Lianhuachi Apartment provide valuable insights and contribute to the overall improvement of the elderly care service system [8][12].

Core Viewpoint - The development of the silver economy is crucial for enhancing the welfare of the elderly and is seen as a key driver for domestic consumption and investment growth, becoming an important engine for economic growth [1][2]. Group 1: Recommendations and Strategies - Huang Qifan suggests establishing a reverse mortgage system for elderly homeowners, which would provide a stable income source for seniors while also supplementing existing pension models [5][6]. - Huang also recommends the creation of a silver industry development fund to support financing services for the silver economy, which could attract more social capital and enhance the quality of life for the elderly [5][6]. - The National Development and Reform Commission emphasizes the urgency of developing new industries and economies that align with the aging population, as over 300 million elderly individuals in China are experiencing upgraded demands [2][3]. Group 2: Market Trends and Opportunities - The silver economy is witnessing significant growth, with traditional care facilities increasing in number and new business models such as smart health care and home modifications for the elderly gaining traction [3][4]. - The AgeClub founder notes that the silver industry is at a pivotal growth point, with innovations in elderly care robotics and a robust smart manufacturing supply chain in China [2][4]. - The market for silver economy products and services is expanding, with new business combinations emerging, such as "silver + culture and tourism" and "silver + education," indicating a vibrant market potential [7][8]. Group 3: Government Initiatives - The Ministry of Commerce plans to enhance the silver economy by promoting foreign investment in the elderly care sector and improving the quality of domestic home care services [8][9]. - The government aims to integrate elderly care services into community convenience services and encourage various promotional activities to boost consumption related to elderly care [9].

Core Viewpoint - The "Silver Economy" is identified as a significant growth area, with various sectors such as elderly care services, senior products consumption, and health tourism experiencing explosive growth, presenting new investment opportunities [3][4]. Group 1: Conference Overview - The conference titled "Silver Economy Development Conference and Health Industry Cooperation Exchange Meeting" was held in Handan, focusing on the theme of "New Blue Ocean for the Silver Economy" [1]. - Over 200 guests attended, including leaders from national and regional departments, industry organizations, experts, and elderly care enterprise representatives [3]. Group 2: Key Discussions - Topics discussed included the development trends of the silver economy, technological innovation, collaborative mechanisms between government and enterprises, and smart elderly care systems [3]. - The conference highlighted the importance of technology in enhancing elderly care services, including the use of smart robots and digital transformation in the industry [3]. Group 3: Market Potential - The silver economy is characterized by a wide scope, long industrial chain, and diverse business formats, indicating substantial market potential [3]. - The elderly care industry is witnessing significant market growth, with active participation from social forces and the emergence of new business models [3]. Group 4: Regional Development - Handan is positioned as a key regional center for the development of the elderly care industry, achieving notable results through a collaborative approach between public services and industry [3]. - The city has established a comprehensive elderly care service system that benefits urban and rural areas alike [3]. Group 5: Project Promotion - The conference showcased important achievements in the development of elderly care and industry in Handan during the "14th Five-Year Plan" period, promoting the Handan International Smart Health City project [4]. - A cross-regional cooperation initiative for the elderly care industry was launched, involving multiple cities and provinces [4]. Group 6: Product Exhibition - A concurrent exhibition featured 20 companies showcasing innovations in various fields, including smart wearable devices, AI companionship robots, and elderly-friendly products [4]. - The exhibition served as a platform for deepening cooperation in the elderly care industry and provided insights into the development of the silver economy [4].