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银发经济加速起跑,个人养老金三周年带来哪些结构性变化?
Xin Lang Cai Jing· 2025-11-24 07:53
智通财经记者 | 吕文琦 以国民养老为例,其正探索"轻资产、轻机构、轻人员"的运营模式,通过数字化提升效率、降低成本, 从而让利于客户。同时,低门槛的养老钱包等新产品进一步提升了第三支柱的可及性,反映出养老金融 正从"推产品"转向"做规划",更加注重居民全生命周期的财富管理需求。 保险资金凭借其稳健风格与长期久期优势,正成为养老金投资的重要"稳定器"。中再资产管理股份有限 公司总经理翟庆丰指出,保险资金的收益波动较小,与养老资金追求安全性、长期性、匹配性的特点高 度契合,将持续为第三支柱的发展提供关键支撑。 大型银行则在加快构建"养老金融+服务+产业"的全链条体系。工商银行养老金融部总经理韩强介绍, 目前工行管理的养老金规模已超过5.8万亿元,并对全国1.6万家网点进行适老化改造,打造6000余家养 老金融特色网点。工行的目标不仅是提供金融产品,更希望成为老年群体"可信赖的咨询入口",提供与 养老相关的信息服务与资源连接。 2022年11月25日正式启动的个人养老金制度至今已满三年,在制度建设不断完善、居民参与度快速提升 之际,其带动的养老金融市场变化与银发经济增量,正在为金融业乃至整个养老产业链重塑格局。 ...
汪清打造“吉祥绿都 醉氧汪清”旅居康养品牌
Zhong Guo Xin Wen Wang· 2025-11-19 07:18
中新网吉林新闻11月11日电 (记者郭佳)9日,以"吉祥绿都醉氧汪清"为主题的2025汪清县旅居康养 推介交流大会暨泽仁医养康养中心启动活动在汪清县举行。会议通过推介交流、专家研讨、实地考察、 项目签约等多种形式,全面展示了汪清"3+1"旅居康养产业体系建设成效和独特的红色、民俗、生态、 冰雪等文旅资源。 汪清县位于长白山东麓,生态资源得天独厚,森林覆盖率89%。近年来,汪清县积极打造以东北虎 豹国家公园磨盘山入口社区为品牌的森林康养基地,以泽仁医养康养中心为代表的医养康养基地,以好 记温泉度假酒店为引领的古法康养基地,辅以长白山人参、木耳等道地食材为原料的舌尖康养。 汪清县县长金桂英表示,汪清正积极推动旅居康养从"潜力优势"向"发展胜势"转变,泽仁医养康养 中心的启动是汪清县深耕康养产业的重要成果,也是养老服务从基础"养老"向高品质"享老"迈进的关键 一步。 延边大学师范学院为泽仁医养康养中心"心理学专业实践基地"授牌,汪清县与江西省莲花县签订旅 居康养友好城市备忘录,汪清县民政局与中国农业银行股份有限公司汪清支行签署战略合作协议,泽仁 医养康养中心与陕西丞恩集团旅居托福旅游开发有限公司、吉林省老龄产业协会 ...
粤黔协作结硕果!“金州康养师”成就业振兴金名片
Nan Fang Nong Cun Bao· 2025-11-07 15:34
Core Viewpoint - The "Jinzhou Health Care Master" brand training program marks a significant step in talent cultivation for the health care industry in Qiannan, injecting new momentum into the local economy and employment opportunities [2][3][30]. Group 1: Training Program Details - The first phase of the "Jinzhou Health Care Master" brand demonstration training class commenced on November 4, 2023, at Qiannan National Vocational and Technical College [2]. - The training focuses on intermediate elderly care knowledge and covers five major health care industry modules: cultural tourism, leisure vacation, outdoor sports, food and medicine, and medical care [3][4]. - The program consists of two phases, training a total of 100 participants with a 100% employment rate upon completion [6]. Group 2: Regional Advantages and Collaboration - Qiannan is the only city in China awarded the title of "China's Four Seasons Health Care Capital," benefiting from unique ecological resources [8][15]. - The collaboration between Guangdong's Huizhou City and Guizhou's Qiannan aims to leverage regional resource advantages, creating a labor brand centered on "Guangdong Market + Guizhou Resources" [10][11]. - The "Jinzhou Health Care Master" brand has been recognized at the municipal level, training 2,800 certified health care workers and facilitating employment for 7,500 individuals, with 80% being poverty alleviation labor [17][18]. Group 3: Industry Impact and Future Prospects - The establishment of a mature health care industry system in Qiannan includes 105 health care projects and 33 bases, leading to stable job demand [22]. - The "Jinzhou Health Care Master" is expected to become a core talent supply source in Southwest China, offering specialized care that utilizes ecological resources and cultural techniques [23][24]. - The program has gained market recognition and media attention, enhancing service quality and economic benefits, thus contributing to the rural revitalization strategy and providing essential talent support for the health care industry's upgrade and high-quality development [29][30][31]. Group 4: Future Development Plans - Future efforts will focus on deepening the East-West cooperation mechanism and expanding employment channels for Guizhou workers in the Guangdong-Hong Kong-Macao Greater Bay Area and Yangtze River Delta regions [32][34].
华润置地康养业务 “进与退”
Cai Jing Wang· 2025-11-07 07:38
Core Viewpoint - China Resources Land Holdings Limited is accelerating its exit from the elderly care business by planning to transfer 100% equity of Run Di Kang Yang (Shenzhen) Industrial Development Co., Ltd, reflecting a strategic shift to focus on core businesses [1][3]. Group 1: Company Strategy - The decision to divest from the elderly care sector is part of a pre-established strategy, with plans to exit various non-core businesses during the "14th Five-Year Plan" period [1][3]. - The company previously expanded aggressively into the elderly care sector, launching the "Yue Nian Hua" brand and establishing over 10,000 elderly care beds across multiple cities [2][3]. - Despite initial growth, the elderly care business has faced significant profitability challenges, leading to a strategic retreat and a reduction in operational scale [3][4]. Group 2: Industry Challenges - The elderly care industry is experiencing widespread difficulties, with many companies, including China Resources Land, actively divesting from loss-making assets [4][5]. - The sector is characterized by high capital investment, low occupancy rates, and a mismatch between investment and returns, with many projects struggling to achieve occupancy rates above 60% [5][6]. - Industry experts suggest a shift from a "heavy asset" model to a "light asset" approach, emphasizing service-oriented solutions and innovative financial tools to enhance cash flow and reduce reliance on parent company funding [5][6].
鲁昌:中国太平多维布局医康养产业为银发经济注入新动能
Core Insights - China Taiping is actively promoting the high-quality development of the silver economy through a comprehensive approach that includes the integration of healthcare and wellness services, aligning with the "Healthy China" strategy [1][2] Group 1: Business Model and Strategy - China Taiping employs a diversified business model combining "heavy assets, light assets, and medium assets" to achieve comprehensive coverage across regions, focusing on differentiated services such as medical care, wellness experiences, and travel-related services [1] - The company has established a collaborative development model that integrates "insurance protection, industrial investment, and ecosystem services" to enhance the quality of elderly care services [2] Group 2: Technological Integration - The development of a smart elderly care management system is underway, facilitating the digital transformation of care communities and enhancing service efficiency and quality through smart devices and data platforms [2] - A standardized service system has been created, encompassing nearly a hundred basic services and dozens of value-added services, aimed at meeting the diverse needs of the elderly [2] Group 3: Project Implementation and Impact - The first heavy asset elderly care community in Chengdu, "Furong Renjia," has been established with a total investment of approximately 2.1 billion yuan, capable of serving around 3,400 elderly individuals [3] - Since its operation began in July 2024, the community has received over 12,000 experience stays and has served more than 95,000 meals, showcasing its role as a benchmark project for elderly care services in Southwest China [3] Group 4: Future Directions - China Taiping plans to continue focusing on the development of smart elderly care products and deepen the integration of "elderly care + healthcare," "elderly care + tourism," and "elderly care + insurance" to enhance service quality [3]
越秀要加速了?
3 6 Ke· 2025-10-27 11:04
Core Insights - The leadership change at Yuexiu Group marks a strategic shift, with new Chairman Chen Qiang emphasizing collaboration with other state-owned enterprises and setting ambitious goals for the second half of the year [1][2] Group Developments - Yuexiu Group completed the acquisition of Hong Kong Life Insurance, marking a significant milestone under Chen Qiang's leadership, with a transaction size of 17.68 billion HKD, the largest life insurance acquisition in Hong Kong in 2024 [2][4] - The acquisition allows Yuexiu Group to enhance its financial services capabilities and expand into new business areas such as elderly care and health insurance, positioning it as the first local state-owned enterprise in Guangzhou with a full financial license [4] Real Estate Strategy - Yuexiu Group is diversifying its real estate strategy by developing a "third curve" that includes construction services, urban renewal, and elderly care services, aiming to adapt to the challenges of declining profit margins in traditional real estate development [5][6][7] - The company has successfully implemented urban renewal projects in Guangzhou, achieving an 8% profit margin, and is expanding its elderly care services to over 8,000 beds, leveraging insurance funds for project development [6][7] Financial Performance and Goals - Yuexiu Group has been enhancing operational efficiency and adopting AI technology for financial management, which supports business growth while reducing costs [8] - As of the end of 2024, Yuexiu Group's total assets reached 1.1385 trillion CNY, ranking 208th in the "China Top 500 Enterprises" and 11th in the "Top 100 Chinese Multinational Companies" [9] - Despite the focus on new business areas, the real estate sector remains a core component, with a target to invest 10 billion CNY in land acquisition over the next two months [9]
路乐集团:持续开拓国内市场,以上海为支点启动三年规划
Zhong Guo Jing Ji Wang· 2025-10-21 13:43
Core Insights - Rolo Group has officially launched a strategic upgrade centered around Shanghai, marking a new phase in its development in China [1] - The strategic upgrade focuses on two core capabilities: global resource integration and technological innovation application [1] - The company plans to establish partnerships with international medical institutions and collaborate with domestic research organizations to develop health monitoring devices and intelligent diagnostic systems [1] Business Strategy - Rolo Group will adopt a "key city breakthrough + regional collaborative development" strategy [1] - The company plans to build flagship health and wellness communities in areas like Qingpu and Songjiang in Shanghai, as well as multiple standardized health management centers in key regions such as Beijing-Tianjin-Hebei and the Guangdong-Hong Kong-Macau Greater Bay Area [1] - These projects will integrate smart technologies like 5G telemedicine and IoT health monitoring, aiming to create a new model of integrated health services that combines online and offline approaches [1] Previous Initiatives - Rolo Group established its China headquarters in Qingdao in 2016 and introduced the "CFLM" (Longevity Medicine Care Community) model tailored to the health needs of the elderly in China [1] - The CFLM model aims to shift health services from passive medical care to proactive health management, bridging the traditional gap between families and medical institutions [1][2] - The model has been piloted in multiple cities across China, gradually forming a replicable regional health care solution [2]
智慧健康科技(01715) - 自愿公告业务更新
2025-10-14 11:26
香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不 負 責,對 其 準 確 性 或 完 整 性 亦 不 發 表 任 何 聲 明,並 明 確 表 示,概 不 對 因 本 公 告 全部或任何部分內容而產生或因依賴該等內容而引致的任何損失承擔任何責 任。 AI Health Technology Limited 智慧健康科技有限公司 (於開曼群島註冊成立的有限公司) (股份代號:1715) (前稱 Volcano Spring International Holdings Limited 火山邑動國際控股有限公司) 自願公告 業務更新 本 公 告 由 智 慧 健 康 科 技 有 限 公 司(「本公司」,連 同 其 附 屬 公 司 統 稱「本集團」)自 願 作 出,旨 在 向 本 公 司 股 東(「股 東」)及 潛 在 投 資 者 提 供 本 集 團 最 新 業 務 發 展 之 更 新。 一、市場背景與戰略方向 3. 強 化 健 康 與 個 人 護 理 產 品 貿 易,完 善 渠 道 與 供 應 鏈 佈 局 伴 隨 全 球 人 口 結 構 變 化 與 健 康 意 識 提 升,大 健 康 產 業 正 迎 ...
天成控股 :通过一般授权配售新股份募资约600万港元 补充营运资金
Xin Lang Cai Jing· 2025-10-10 14:31
Core Viewpoint - Tiancheng Holdings (stock code: 2110) announced a financing plan through the placement of new shares, aiming to raise approximately HKD 6 million, with net proceeds expected to be around HKD 5.71 million after expenses [1] Group 1: Financing Details - The company plans to issue 60,000,000 shares at a placement price of HKD 0.10, representing a discount of approximately 13.79% compared to the previous trading day's closing price of HKD 0.116 [1] - The placement price also reflects a discount of about 15.25% compared to the average closing price over the last five trading days [1] - The newly issued shares will account for approximately 20% of the existing issued share capital and about 16.67% of the enlarged share capital post-financing [1] Group 2: Use of Proceeds - The net proceeds of approximately HKD 5.71 million will be used entirely for general working capital [1] Group 3: Company Background - Tiancheng Holdings is primarily engaged in maritime construction engineering, other civil engineering, ship leasing services, and wellness services [1]
德州全域联动推动医药及康养产业高质量发展
Da Zhong Ri Bao· 2025-10-09 02:15
Core Insights - Dezhou aims to develop a significant industrial hub in the pharmaceutical and health care sectors, focusing on four key areas: pharmaceutical manufacturing, medical devices, medical services, and health care services [1][4] - By 2024, the industry chain has gathered 108 enterprises and institutions, generating revenue of 18.026 billion yuan [1] - The city is implementing a comprehensive development plan for the health industry from 2024 to 2027, emphasizing collaboration and integration across various sectors [1][4] Pharmaceutical Manufacturing - Dezhou has over 200 pharmaceutical and medical device manufacturing companies, with 28 of them being large-scale enterprises [2] - The city has established a strong industrial matrix, with two major industry clusters recognized as provincial key clusters [2][3] - Notable products include fish oil and cefminox sodium, which hold the top global market share, and several other products that dominate the national market [3] Research and Development - Carson Cell is actively engaged in research on tumor immunotherapy technologies, specifically TCR-T cell therapy for breast, liver, and lung cancers [1][2] - The company is constructing the Carson Life Science Industrial Park to enhance its technological capabilities and facilitate the entire chain from research to application [2] Health Services - Dezhou has established a high-quality medical service system, allowing residents to access advanced medical services locally [3] - The city has formed partnerships resulting in over 150 collaborative projects, including the establishment of a "Beijing Famous Traditional Chinese Medicine Workstation" [3] Integration of Industries - The integration of pharmaceutical manufacturing, medical services, and health care with cultural tourism is a key highlight of Dezhou's strategy [4] - The city has developed 85 integrated medical and health care institutions, providing 17,000 beds and home care services through 1,005 medical institutions [4][5] - Dezhou's health care and cultural tourism integration has led to the establishment of numerous large-scale projects, enhancing the value of both sectors [5]