新华社沈阳11月25日电 题：中国多地推进"银发族"身边的适老化改造 新华社记者洪可润、于也童 走进沈阳市铁西区启工街道重工新村社区居民周国忠的家，卧室床边安装着起身扶手，床上有着可调节椅背角度的防褥疮靠背器、防褥疮坐 垫。"这些改造没花家里一分钱。"周国忠说，今年63岁的他因意外失去了生活自理能力，通过社区免费进行了家中的适老化改造。 截至2024年底，中国60周岁及以上老年人口超3.1亿人。其中，约90%的老年人倾向于居家养老。近年来，各地不断推进各项居家适老化改造工 作。 "沈阳市老龄化程度较高，60岁以上老年人口占比已攀升至30.6%，一些'小改造'就能解决'大问题'。"沈阳市民政局副局长张葛介绍，目前全市已 完成特殊困难老年人家庭适老化改造1万余户。 除了居家适老化改造，多地还正持续加大助浴、助行、陪诊等居家养老服务力度，持续完善多层次养老服务网络。沈阳市民政局为特殊困难老年 人、80周岁以上老年人等购买居家养老服务，截至目前，沈阳全市累计提供服务突破190万人次、服务时长280万小时。 在沈阳市浑南区彩霞社区的低保户王斌家中，助老员刘丽静正在打扫卫生。刘丽静每周都会到常年卧床的王斌家中服务三到四次 ...

记者手记："小改造"助力解决老年人"大问题" "这个靠背器可以任意调节角度，很舒适，坐在床上时间长了身体也不疼。"周国忠告诉记者，"这些改造家里没花一分钱。" 图为居民周国忠在家中（左一）。新华社记者刘力航 摄 今年63岁的周国忠曾因意外失去了生活自理能力。"我们对符合适老化改造条件的低保和特困家庭，开展了一对一的政策宣介，周国忠明确表达了 服务需求，我们立刻为他办理了适老化改造的申请手续。"重工新村社区党委书记王斯楠说。 记者了解到，自2020年起，沈阳市根据"愿改尽改""一户一案"原则，开展特殊困难老年人家庭适老化改造。经评估为"完全失能"或"重度失能且长 期卧床"的老年人，每户最高给予3000元改造补贴，其他符合条件的老年人每户给予最高2000元改造补贴。 "沈阳市老龄化程度较高，60岁以上老年人口占比已攀升至30.6%。家庭养老压力逐渐加大的当下，一些'小改造'就能解决'大问题'。"沈阳市民政 局副局长张葛介绍，截至目前，全市已完成特殊困难老年人家庭适老化改造1万余户。 在"沈阳养老"微信小程序上下单，特殊困难老年人群体就能享受免费上门服务——这是沈阳市推出的一项暖心服务。 记者来到位于沈阳市浑南区彩 ...

Core Viewpoint - The Chinese capital market is showing a clear upward trend, with the Shanghai Composite Index hovering around the 4000-point mark, reaching a nearly ten-year high. Goldman Sachs predicts a "slow bull" market for Chinese stocks, with the MSCI China Index expected to rise by 30% over the next two years [1][2]. Group 1: Company Performance - China Ping An reported a significant increase in operational profit for the first three quarters of 2025, reaching 116.26 billion yuan, a year-on-year growth of 7.2%. The net profit attributable to shareholders was 132.86 billion yuan, up 11.5%, with a substantial quarterly increase of 45.4% [1][2]. - The company's equity attributable to shareholders reached 986.41 billion yuan as of September 30, 2025, reflecting a 6.2% increase from the beginning of the year [1]. Group 2: Business Segments - The insurance sector remains a strong foundation for China Ping An, with life and health insurance new business value growing by 46.2% year-on-year, accelerating from a mid-year growth rate of 39.8% [4][5]. - The agent channel has seen a significant improvement, with new business value per agent increasing by 29.9% year-on-year, and the overall new business value from this channel growing by 23.3% [7]. - The bancassurance channel has emerged as a key growth driver, with new business value soaring by 170.9% year-on-year, benefiting from strategic partnerships with major banks [7][9]. Group 3: Strategic Initiatives - The integration of comprehensive finance and healthcare services is enhancing customer engagement and operational efficiency, with operational profit for the first three quarters reaching 116.26 billion yuan, a 7.2% increase [10][12]. - The healthcare and elderly care services have expanded significantly, with nearly 127 billion yuan in health insurance premiums and a 58% increase in sales of pension insurance products that include home care services [13][12]. Group 4: Market Dynamics - The current market environment is characterized by a focus on stable cash returns, making Ping An's consistent dividend policy and high dividend yield attractive to investors [20]. - The company's valuation is appealing, with several institutions maintaining "buy" ratings and projecting significant potential upside based on strong core indicators [18][22]. Group 5: Technological Integration - The integration of AI technology is reshaping Ping An's business model, enhancing efficiency, cost management, service quality, and risk prevention [21]. - AI is being utilized across various functions, including agent recruitment, training, and personalized sales support, contributing to business growth and improved customer experience [21].

Core Insights - China Ping An reported a revenue of 832.94 billion yuan for the first three quarters of 2025, marking a year-on-year growth of 7.4% [1] - The operating profit attributable to shareholders reached 116.26 billion yuan, up 7.2% year-on-year, while net profit attributable to shareholders increased by 11.5% to 132.86 billion yuan [1] - The company’s net assets attributable to shareholders stood at 986.41 billion yuan as of September 30, 2025, reflecting a 6.2% growth after dividends [1] Insurance Sector Performance - The life and health insurance segment showed significant improvement, with new business value growing by 46.2% year-on-year [1] - The agency channel's new business value increased by 29.9%, while the bancassurance channel saw a remarkable growth of 170.9% [1] - The property insurance segment reported a premium income of 256.25 billion yuan, a 7.1% increase, with a comprehensive cost ratio of 97.0%, improving by 0.8 percentage points [2] Banking Sector Insights - Ping An Bank's revenue for the first three quarters was 100.67 billion yuan, with net profit declining to 38.34 billion yuan [2] - The non-performing loan ratio was 1.05%, a slight decrease of 0.01 percentage points from the beginning of the year [2] - The bank intensified efforts in recovering non-performing assets, with credit and other asset impairment losses down by 18.8% to 25.99 billion yuan [2] Investment Performance - The investment portfolio of insurance funds achieved a non-annualized comprehensive investment return of 5.4%, up by 1.0 percentage points year-on-year [2] - The scale of the investment portfolio exceeded 6.41 trillion yuan, reflecting an 11.9% increase since the beginning of the year [2] - The company emphasized its strategy of increasing equity allocation while managing risks to ensure stable long-term investment returns [2] Strategic Developments - Ping An's home care services have expanded to cover 85 cities, with nearly 240,000 clients qualifying for services [3] - The company has initiated high-quality health and wellness community projects in five cities, with the Shanghai project already operational [3] - In the green development and rural revitalization sectors, the company reported premium income of 55.28 billion yuan from green insurance and provided 47.39 billion yuan in rural industry support [3] AI Integration - The company reported a reduction of 9.15 billion yuan in losses due to intelligent fraud prevention in property insurance [3] - AI service interactions exceeded 1.292 billion, covering 80% of total customer service volume, with a code penetration rate of 10% [3] - AI-assisted sales reached 99.07 billion yuan, and the implementation of an "AI + human" system improved policy renewal rates by 23% [3]

Core Insights - The article highlights the ongoing efforts in Beijing to enhance elderly care services through community-based centers, focusing on the integration of medical and caregiving services for the aging population [1][8]. Group 1: Elderly Care Services - The North Palace Town elderly care center provides various services, including home visits by healthcare professionals and regular cleaning and grooming services for seniors [1][2]. - As of September 2025, Beijing plans to establish 120 street (township) elderly care service centers, covering 2.07 million elderly individuals, which accounts for 40% of the city's elderly population [1][8]. - The East District Peace Street elderly care center offers a range of activities, including a "fall prevention" course, and serves as a social hub for retirees, helping them reintegrate into community life [2][3]. Group 2: Activities and Engagement - The elderly care centers organize various activities, such as handcraft sessions where seniors create their own potted plants, fostering creativity and social interaction [4][5]. - The North Palace Town elderly care center has conducted 144 activities in its first year of operation, with plans to increase to 192 activities in 2025, serving a total of 5,760 participants [5][6]. Group 3: Health and Wellness Initiatives - During the "Respect for the Elderly Month," the Beijing civil affairs department initiated a "Happy Health" service week, offering over 500 health promotion activities, including dental health and psychological care for seniors [7]. - The community dining services provided by 73 elderly care centers include meal delivery and special events like food festivals, aimed at enhancing the dining experience for seniors [7][8]. Group 4: Infrastructure and Support - The elderly care service network in Beijing consists of a three-tier system, integrating community resources to provide comprehensive services such as meal assistance, caregiving, and medical support [8]. - The established elderly care centers have linked with 360 operational stations and 933 professional service providers to ensure a wide range of services for the elderly [8].

Core Insights - Home-based elderly care remains the mainstream choice for seniors, and optimizing this service is crucial for public welfare [1][2] - The elderly population aged 60 and above in China has exceeded 310 million, projected to surpass 400 million by around 2035, indicating a growing demand for home-based care services [1] - The current elderly care service system is steadily advancing, with a focus on enhancing home and community-based services supported by institutional care and medical integration [1] Group 1: Current State of Home-based Elderly Care - Home-based elderly care services primarily focus on daily living assistance, with insufficient integration of medical care, despite a significant portion of seniors suffering from chronic diseases [2] - There are challenges in collaboration among medical, community, and elderly care institutions, leading to a lack of synergy in service delivery [2] - Issues such as an unbalanced talent structure, inadequate user payment capacity, and an imperfect evaluation system hinder the development of home-based elderly care services [2] Group 2: Policy and Infrastructure Support - High-quality development of home-based elderly care services requires supportive policies, including the use of local government bonds for infrastructure development and tax incentives for care institutions [2] - The establishment of a robust professional nursing workforce is essential, necessitating improvements in salary, career pathways, and a systematic skills certification framework to attract talent to the elderly care sector [2] Group 3: Innovative Service Models - Encouraging social participation in home-based elderly care through diverse service models, such as "community + property + elderly care" and "elderly dining services," is vital to meet the varied needs of seniors [3] - Leveraging technology to create community-based elderly care information platforms and developing "smart" elderly care scenarios can enhance service efficiency and quality [3] - Long-term care insurance, initiated in 2016, has benefited over 2.25 million disabled individuals, reducing their financial burden and improving their quality of life, highlighting the importance of sustainable funding and fairness in the system [3]

Group 1: Market Trends - The proportion of silver-haired consumption is increasing, aligning with the growth of the silver economy in GDP, leading to a new consumption pattern that balances both young and old demographics [1] - During the National Day and Mid-Autumn Festival holidays, the silver-haired group is becoming a major force in off-peak travel, taking advantage of their flexible schedules [1][2] - The tourism market is experiencing a unique "peak, off-peak, off-peak" pattern, with some routes showing "double peaks" before and after the holidays, driven by older travelers [1] Group 2: Travel Preferences - China Youth Travel Service launched nearly a thousand travel products, with a 30% year-on-year increase in inquiries and bookings, particularly among older travelers aged 55 to 65 [2] - Older travelers prefer longer, more comfortable trips with deeper experiences, moving away from low-cost group tours to more personalized travel options [2] - The demand for quality travel experiences is rising, with older travelers showing interest in cultural experiences over simple sightseeing [2] Group 3: Elderly Care Services - The elderly tourism service revenue grew by 26.2% year-on-year in the first half of the year, with over 80% of travelers being elderly [3] - Home care services are also in high demand during the holidays, reflecting a shift in elderly care needs from basic assistance to a focus on quality of life [4] - The trend is moving towards "preventive health management" for younger healthy seniors, indicating a significant change in elderly care service demands [4] Group 4: Aging Products and Services - The demand for age-friendly products and services is increasing, with innovative solutions showcased at the 2025 China International Welfare Expo [5][6] - The number of businesses producing silver-haired products has increased by 14.1% year-on-year, with significant growth in sales of age-friendly fitness and rehabilitation equipment [6] - Government subsidies for age-friendly renovations are stimulating consumer interest, leading to a rise in home modifications for elderly safety and convenience [6]

Group 1: Market Trends - The proportion of silver-haired consumption is increasing, aligning with the growing contribution of the silver economy to GDP, leading to a new consumption pattern that balances both young and old demographics [1] - During the National Day and Mid-Autumn Festival holidays, the tourism market is being re-evaluated, with the elderly becoming a significant force for off-peak travel and deep experiences [1][2] - The elderly tourism market is undergoing a quality upgrade, with a shift from low-cost group tours to more personalized and culturally enriching travel experiences [2][3] Group 2: Industry Insights - The China National Tourism Administration reported a 26% year-on-year increase in the number of tourist trains operated, with over 80% of passengers being elderly [3] - The elderly tourism service revenue grew by 26.2% year-on-year in the first half of the year, with projections indicating that by the end of the 14th Five-Year Plan, the number of active elderly travelers will exceed 100 million, and tourism revenue from this demographic could surpass 1 trillion yuan [3] - Companies are increasingly focusing on slow travel and tailored experiences for the elderly, emphasizing health and comfort in their offerings [2][4] Group 3: Home Care Services - The demand for home care services is evolving from basic care to a focus on quality of life, with services now catering to a broader age range of the elderly [4] - "On-demand" home care services are becoming popular, providing a wide range of assistance from daily chores to medical care, reflecting a shift towards more personalized care solutions [4] - The integration of community resources and property management with elderly care services is seen as a key driver for the silver economy [4] Group 4: Aging Products and Services - The demand for age-friendly products and services is driving the market for assistive devices, with innovative products showcased at recent expos [5][6] - The number of businesses engaged in producing silver-haired products has increased by 14.1% year-on-year, with significant growth in sales of age-friendly fitness equipment and rehabilitation aids [6] - The trend in home modifications for the elderly is shifting towards smart, proactive solutions that enhance safety and independence [6]

Group 1 - China's commitment to expanding high-level opening-up and promoting high-quality development of service trade is emphasized in Xi Jinping's message [1][4] - The 2025 China International Service Trade Fair (CIFTIS) features nearly 2,000 enterprises participating, with over 20% internationalization rate [2] - Australia, as the guest country, showcases significant participation, with companies like Canva leveraging AI technology for visual content creation [2] Group 2 - The aging population in China presents vast opportunities for businesses focused on elder care services, as highlighted by Japanese companies [3] - COFCO Group is showcasing its digital transformation in the global agricultural supply chain, aiming for enhanced resilience and safety [3] - The emphasis on aligning with international high-standard trade rules indicates a strategic direction for service industry reforms in China [5]

Group 1 - China's commitment to expanding high-level opening-up and promoting high-quality development of service trade is emphasized in President Xi Jinping's congratulatory letter [1][4] - The 2025 China International Service Trade Fair aims to enhance international cooperation and provide better public goods for global enterprises [1][3] - The theme of this year's fair, "Digital Intelligence Leading, Service Trade Renewed," reflects the structural transformation in the service industry driven by digitalization [2] Group 2 - Australia, as the guest country for the 2025 fair, showcases significant participation, with companies like Canva demonstrating AI visual technology applications [2] - The aging population presents vast opportunities for service industries, particularly in elder care, as highlighted by Japanese companies seeking to expand their services in China [3] - The focus on digital transformation in the agricultural supply chain is underscored by COFCO Group's initiatives to enhance resilience and safety in global food supply [3][5] Group 3 - The importance of aligning with international high-standard trade rules is highlighted, with plans for pilot programs in free trade zones and service trade innovation demonstration areas [5] - The fair serves as a platform for exploring new service models and fostering practical cooperation with global partners [3][5] - The overall sentiment among international investors is increasingly positive regarding opportunities in China as the country continues to open up [4][5]