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: Company Performance - In the first three quarters of 2025, COFCO Capital achieved total revenue of 7.168 billion CNY and a net profit attributable to shareholders of 1.025 billion CNY [1] - The company has fully implemented the new insurance contract accounting standards (IFRS 17) since January 1, 2025, leading to adjustments in the previous year's comparative data [1] - The net profit attributable to shareholders in Q3 2025 showed a year-on-year decline due to reduced contributions from investment business profits [1] Group 2: Business Strategy and Features - COFCO Trust has transitioned from traditional trust services to asset management, leveraging the flexibility of the trust system and a comprehensive risk management framework [2] - The company focuses on core business areas, with standard product fixed-income investments becoming the most stable revenue source [2] - COFCO Trust has developed a comprehensive business system centered on operational custody and investment advisory services, enhancing growth support [2] Group 3: Insurance Operations - China-UK Life Insurance adheres to a growth culture and value-driven growth path, emphasizing risk management and customer needs [3] - The company targets four core areas: health, retirement, wealth, and inheritance, offering branded and integrated product solutions [3] - A multi-channel marketing system has been established, focusing on individual insurance, agency, and bank insurance channels to enhance competitive advantages [4]

Core Insights - The forum on the silver economy aims to promote high-quality development and policy formulation for the aging population, highlighting the need for institutional support for the elderly industry [1][3] Group 1: Policy and Economic Framework - Experts emphasize the importance of integrating theory and practice in silver economy research, with Chengdu showcasing significant potential in policy practice and industry leadership [3][4] - Sichuan Province has developed a "7+N" industrial system and a "3+12" regional layout to support the silver economy, with a clear development blueprint outlined in the "Key Industry Chain Work Plan" [4] - Chengdu is identified as a core engine for silver economy development, focusing on seven major industries and establishing dedicated industrial parks [4] Group 2: Financial Institutions and Services - Financial institutions are encouraged to align with policy directions and innovate personal pension products, expanding investment options [4][5] - The Industrial and Commercial Bank of China has established a comprehensive pension service system, advocating for increased resource investment in pension finance [5][6] Group 3: Collaborative Efforts and Future Directions - Experts call for a collaborative approach among government, enterprises, and society to transform planning into reality, emphasizing the need for a supportive business environment and specialized funds for the silver economy [6] - Recommendations for enterprises include investing in technology for elderly products, developing differentiated offerings based on local resources, and extending quality services to communities and families [6]