Group 1 - The average life expectancy in China has reached 79.5 years as of 2024, showing a steady increase from 74.8 years in 2010 and 77.9 years in 2020 [2] - China's life expectancy growth rate surpasses that of some developed countries, with projections indicating that by 2044, China's life expectancy may slightly exceed that of the United States [2] - The aging population in China is increasing, with 21.1% of the population aged 60 and above by the end of 2023, and the proportion of those aged 65 and above rising to 15.6% in 2024 [2] Group 2 - Global aging is a widespread trend, with the highest aging rates in ten countries or regions exceeding 20%, and Hong Kong projected to surpass 40% by 2050 [4] - The increase in the elderly population impacts various sectors, including labor supply, economic growth, and social security systems, leading to higher demands for healthcare and pension systems [6] Group 3 - The demand for elderly care services in China is expected to rise significantly, with the number of elderly individuals requiring home care services projected to increase from approximately 40.33 million in 2020 to around 76 million by 2050 [8] - Various companies are actively engaging in the elderly care industry, with technology firms like Xiaomi and Huawei focusing on health monitoring devices and smart products for the elderly [9][10] Group 4 - Recommendations for addressing the challenges of rapid aging include transitioning the pension system from a pay-as-you-go model to a pre-funded investment model, as suggested by experts [12]

据悉，2025年，中央加力扩围实施大规模设备更新和消费品以旧换新政策，继续将居家适老化改造纳入 超长期特别国债资金支持范围，并明确由民政部门牵头组织实施。为进一步释放银发消费潜力，促进全 市老年人生活品质提升，潍坊市民政局会同市发展改革委、市财政局、市住房和城乡建设局、市商务 局、市市场监管局印发了《潍坊市2025年消费品以旧换新居家适老化改造补贴实施细则》。 《细则》明确了补贴对象是在潍坊市60周岁及以上老年人，且所购产品收货地址在潍坊市境内。 补贴范围涵盖了对地面和门改造、卧室改造、如厕洗浴设备改造、厨房设备改造、物理环境改造、智能 辅助设备等6种改造场景，共25个品类居家适老化改造产品。 齐鲁晚报·齐鲁壹点 王佳潼 6月30日，潍坊市人民政府新闻办公室召开《潍坊市2025年消费品以旧换新居家适老化改造补贴实施细 则》政策例行吹风会。记者在会上获悉，潍坊市印发了《潍坊市2025年消费品以旧换新居家适老化改造 补贴实施细则》，对在潍坊市60周岁及以上老年人，且所购产品收货地址在潍坊市境内的给予补贴。明 确单件产品补贴额度为其实际销售价格的30%，是所有消费品以旧换新补贴政策中补贴比例最高的。同 时明确每位个 ...

"新增长"系列报告 2025 年 06 月 25 日 新"三万亿"投资会在哪？ 宏 观 研 究 ——"新增长"系列专题报告 ⚫ 一问：需求的增量"蓝海"？当前服务业投资有 3.3 万亿空间，长期消费服务化趋势或再拉动投资。 相较历史趋势，服务业实际投资与潜在投资间存在 3.3 万亿缺口。2024 年居民人均服务性消费较历 史趋势的缺口为 2093 元，以全国 14 亿人口记，全国服务消费潜在缺口接近 3 万亿，或对应 1.8 万 亿投资缺口。另外过往服务业投资占 GDP 比重与增加值占比变化长期趋同，但 2016 年服务业增加 值占比保持韧性下，投资占比却呈现持续回落态势，与增加值相匹配的潜在投资缺口或为 1.5 万亿。 短期来看，制约服务消费修复的关键是消费时间"腰斩"；但居民自平衡机制及关税"正外部性" 均有反内卷效果。居民"内卷"导致消费时间减少，而服务消费更依赖居民体验与具体场景，更易 受到消费时间减少的挤压。但目前我国"反内卷"政策已聚焦居民，包括鼓励"带薪休假"、"弹 性工作制"等。居民反内卷"自平衡"机制与关税的"正外部性"也使内卷不会是长期趋势。 长期来看，人均 GDP 在 1-3 万美元时， ...

6月25日上午，威海市政府新闻办举行新闻发布会。威海市民政局党组书记、局长于军，威海市民政局 党组成员、四级调研员江海刚，威海市民政局养老服务科科长刘亚朋，介绍威海市消费品以旧换新居家 适老化改造补贴有关情况。 2025年，中央加大力度扩围实施大规模设备更新和消费品以旧换新政策，将居家适老化改造纳入超长期 特别国债资金支持范围。这一举措既是落实国家提振消费部署的关键行动，也是积极应对人口老龄化的 重要实践。为全面贯彻落实国家、省决策部署，进一步挖掘银发经济消费潜力，提升全市老年人的生活 品质，威海市民政局联合威海市发展改革委、财政局、住建局、商务局、市场监管局，依据《山东省消 费品以旧换新居家适老化改造补贴实施方案》（鲁民函〔2025〕7号），结合威海市实际，制定了《威 海市消费品以旧换新居家适老化改造补贴实施细则》。 补贴对象 对在威海市参加消费品以旧换新居家适老化改造补贴活动的60周岁及以上老年人给予补贴，所购居家适 老化改造补贴产品的收货地址位于威海市区域内。 补贴范围 消费者需通过云闪付App的"鲁换新"小程序专栏完成实名认证，领取相应的补贴券。领取成功后，可前 往参与活动的线下门店购买居家适老化补贴 ...

Core Viewpoint - The article discusses the implementation of policies in Liaoning Province aimed at promoting the development of the silver economy in response to the aging population, focusing on enhancing consumption and creating new growth points in the sector [1][2][3] Group 1: Policy Initiatives - The Liaoning Provincial Government has released the "Several Policies for Promoting the Development of the Silver Economy," which aims to match demand upgrades with supply innovations, adapting to the aging trend [1] - The policies target both "aging economy" and "pre-aging economy," extending from basic home and community elderly care to various fields such as cultural, travel, and technology products for the elderly [1] - Digital transformation is emphasized as a key driver for improving the silver economy, with support for smart production lines and digital workshops, providing up to 10 million yuan for eligible projects [1] Group 2: Financial Support and Incentives - Financial support is provided for the development of silver economy industrial parks, with varying amounts based on the number of enterprises established, ranging from 100,000 yuan for 5 enterprises to 1 million yuan for national-level parks [2] - The government encourages technological innovation in the elderly care sector, offering support for eligible technology projects from local enterprises and institutions [2] - Various measures such as subsidies, consumer vouchers, and silver economy expos are introduced to stimulate production and consumption, alongside quality assurance initiatives [2] Group 3: Consumer Support Measures - To expand the scale of elderly care service consumption, home adaptation products are included in the trade-in support program, with a 30% discount on the final sales price for eligible products [3] - Each consumer can only enjoy the discount once per product category, with a maximum subsidy of 2,000 yuan per product [3]

在中国快速进入深度老龄化社会的背景下，"家"的定义正在被重新诠释。宜家中国联合第一财经·未来预想图发布的《2025年代际友好家居趋势报告》，通 过对上海、重庆、哈尔滨13个家庭的深度家访及1101份问卷调研，揭示了银发族群的真实生活图景与家居需求——未来的家，需要容纳每一代人的生活习 惯，更要接住代际之间的情感牵挂。 今天分享的是：2025年代际友好家居趋势报告 报告共计：35页 2025代际友好家居趋势：当银发族的家不再只是"适老化" 银发族画像：从"被动养老"到"主动生活" 中国65岁及以上人口已达2.2亿，占全球老年人口的1/4。这个庞大群体并非"铁板一块"，而是呈现出鲜明的年龄分层特征：50-64岁的"准老人"仍处于职业生 涯晚期，热衷文娱消费与抗衰老管理；65-74岁的低龄老人刚退休，将短途旅行与老年大学纳入生活日常；75-89岁的高龄老人更依赖医疗保健服务；90岁以 上的长寿老人则侧重精神陪伴。 值得关注的是，"活力老人"正打破传统衰老叙事。他们中有人退休后重返职场，有人在迪士尼乐园打卡，还有人成为刀郎演唱会的购票主力。数据显示，55 岁以上人群中，超六成每年至少旅游一次，60后、70后在刀郎上海 ...

Core Viewpoint - The implementation plan aims to enhance the quality and capacity of elderly care services, particularly focusing on the needs of disabled elderly individuals, ensuring their welfare and support [1][2]. Group 1: Policy Measures - The plan includes specific reforms to strengthen the care and support system for disabled elderly individuals, ensuring that vulnerable groups such as low-income and high-age elderly are adequately protected [2]. - By 2027, the proportion of nursing beds in elderly care institutions is expected to reach no less than 68%, with differentiated subsidies for ordinary and nursing beds [2]. - The plan promotes the integration of smart technology in elderly care, enhancing service delivery through community-based care facilities that offer day care and short-term respite services [2][3]. Group 2: Financial Support and Sustainability - A funding mechanism for disabled elderly care will be established, along with improvements to the welfare subsidy system for this demographic [2]. - The plan emphasizes the need for a multi-tiered pension insurance system, including a long-term care insurance scheme to enable more disabled elderly individuals to access care services [2][4]. - Policies will be introduced to ensure the sustainability of elderly care services, including a comprehensive assessment system for elderly individuals and the establishment of service standards [4]. Group 3: Workforce Development - There will be an increased focus on training and retaining elderly care workers, with policies aimed at enhancing job attractiveness through income distribution, performance evaluation, and professional recognition [3]. - Support for family caregivers will be provided through training programs, encouraging family involvement in the care of disabled elderly individuals [3]. - The development of volunteer services for the elderly will be promoted, engaging younger elderly individuals in providing care [3].

在养老服务金融方面，打造全生命周期场景的"生态闭环"。围绕"银发群体"从健康管理到长期照护的全 场景需求，构建"金融服务+生态赋能"的闭环体系。一是覆盖多元养老场景的产品创新。针对居家养 老，推出"养老理财+适老化改造贷款+家庭护理保险"组合产品，通过智能终端整合养老金领取、健康 监测与支付结算功能。针对社区养老，联合开发"时间银行"积分金融化产品(护理时长兑换理财权益)， 配套适老化移动支付工具。针对机构养老，提供"建设融资+运营资金管理+入住者保险"一站式服务， 探索"押金保险化""长期照护费用分期"模式。二是科技赋能服务生态。搭建"养老金融大数据平台"，整 合医疗、社保、消费数据，实现客户养老需求精准画像，推动AI风控在养老金反欺诈、长期护理需求 评估中的应用，同时开发适老化金融APP，简化操作流程并强化风险提示。三是跨界生态合作。与医疗 机构、养老服务运营商、科技企业共建"金融+养老+健康"生态圈，例如通过"保险直付"对接康复机构， 以"供应链金融"支持老年用品配送体系，形成服务闭环与数据共享机制。 在养老产业金融方面，创新产融结合的可持续投融资模式。针对养老产业"重资产、长周期、多业态"特 征，构建 ...

▲2025上海老博会现场 "刚刚一下就有三位老年观众分别买走了三台75寸适老化智能电视机，原价6999元，享受国补后到手价约在5000元左右。"第一次参加老博会的创 维展商对销售"开门红"颇感惊喜。这次他们带来一款专为银龄人群全新设计的"适老陪伴屏"，原本主打一个科技展示，没想到立刻就精准匹配上 了消费者。工作人员告诉记者，电视显示器品牌过去往往更注重行业垂类展会，这次跨界试水令他们真切感受到了银发经济的生机和蕴含的机遇 潜力。 已走过25年的上海老博会似乎没有"瓶颈期"，越办越火起来。尽管时值黄梅天，昨日甫一开幕，现场就吸引了超过2.83万市民，刷新单日观展历 史记录。记者注意到，不少阿姨爷叔都提前做好了"攻略"结伴而来，一进场就直奔"银发生活节"和一系列优惠补贴活动。 ▲针对老年人兴趣研发的能在任何地方聚会k歌、随时作为广场舞音响的移动包 除了"买买买"，不少老年人乐在参与现场各类免费的打卡活动。宜家此次初登老博会，带来了新升级的"长者善居"适老化改造项目，想要扫码了 解领取小礼品的观众很快在展位前排起了队。负责人介绍，现场展示的带扶手的踏脚凳、有设计感的卫浴扶手等都是特别针对中国银发市场推出 的新产品。 ...

与此同时，人工智能、无人驾驶、柔性机械等硬核科技正突破传统养老产品边界。在老博会现场，安康 通带来的智能无人驾驶轮椅机器人，可实现室内外全场景自主避障，吸引了不少参观者驻足。一系列养 老"黑科技"展品，表明银发产业正从"老有所养"向"老有智享"跨越式发展。 此外，跨界品牌的破圈效应不断增强。如华为、海尔、创维等企业纷纷亮相其智慧家居解决方案，春秋 旅行社、中旅总社（上海）带来了丰富的银发旅行定制线路，新华保险、中国银联、浦发银行等金融保 险机构呈现的多元化养老金融服务产品，宜家、百姓装潢、沪尚茗居打造了适老化改造体验场景……多 个品牌纷纷进入银发产业，为市场发展注入新活力。 "'中旅好时光'是我们针对银发群体推出的旅行产品，在行程安排等方面会根据老年人的特点，采用慢 节奏设计。"中旅旅行华东区域公司渠道合作总部副总经理薛伟告诉记者，近年来老年人旅游"越走越 远"，欧洲、南美等地的邮轮游渐成新风尚。 监测心电数据的智能心电衣、毫米波雷达打造的智能守护、超长续航的代步车……在6月11日开幕的上 海国际养老、辅具及康复医疗博览会（下称"老博会"）上，上海证券报记者了解到，养老产品已打破传 统边界，渗透至银发群体衣食 ...