As the Spring Festival holiday has just ended, Guangdong Province and Guangzhou City have been convening high-quality development conferences to draw up new blueprints for high-quality economic development. The Central Economic Work Conference held in Beijing also proposed the development of digital economy, Marine economy and silver economy in 2024 to promote high-quality development.

At present, the elderly population over the age of 60 in China has reached nearly 300 million, and is in the primary stage of population aging. In the foreseeable future, population aging will be a fact that must be faced. At the same time, this generation of elderly people themselves have been the biggest beneficiaries of the reform and opening up in the past 40 years, and they have accumulated a lot of wealth and have certain consumption power. In January, The General Office of the State Council issued the Opinions on Developing the Silver Economy and Improving the well-being of the Elderly, commonly known as the "26 Articles of the Silver Economy". This "Silver economy 26" clarifies the state's attitude towards the development of the elderly market.

However, the attention of the market has always been on young people, and the attention of the elderly consumer groups has been insufficient for a long time. Because of this, the supply side of elderly consumer groups is always in a state of insufficiency. Now, as the consumption of the young is downgraded, the elderly consumer group is starting to get attention. The vanguard of high-quality development has sounded, how to find the new increment in the silver economic track?

The following is the relevant interpretation of the "26 Silver economy", and the analysis of the track worthy of attention in the silver economy.

(1) Expanding meal assistance services for the elderly. Guide catering enterprises, property service enterprises, and public charity organizations to develop elderly meal assistance, and promote elderly care institutions to carry out elderly meal assistance services for the society. Guide delivery platforms, logistics companies and other business entities to participate in the distribution of assisted meals for the elderly. We will improve the diversified financing mechanism, and allow qualified places to give certain operational subsidies or comprehensive incentive subsidies to elderly meal assistance services. We will support local governments in providing subsidies or issuing vouchers to elderly people who enjoy meal assistance services in accordance with regulations in light of their economic development and financial status.

The policy names the take-out and catering industries. Food is the priority of the people, and the elderly themselves cannot change their heart. Through the combination of take-out and catering, the elderly are liberated from the bondage of three meals a day, so that they have more disposable time to do other things.

But there are two problems. First, most of the elderly can't keep up with The Times, and their use of smart phones only stays at a very superficial level. A common problem nowadays is that the elderly are mostly unable to order takeout with their mobile phones, and their learning ability is poor. Second, this generation of old people trust the Internet is very low, they are afraid of being cheated, so they do not dare to make money transactions on the Internet. And take-out is involved in a food safety issue, their general impression of take-out is "junk food", "no nutrition", "dirty mess". Therefore, the food delivery and catering industry is not a great opportunity in the silver economy.

(2) Expanding home assistance services for the elderly. Encourage elderly care institutions, domestic service enterprises, property service enterprises to carry out home care services. Support the development of community bathing points, mobile bathing vehicles, household bathing and other forms of business. Cultivate and develop professional nursing agencies for the elderly, support sharing resources with nursing institutions, and expand nursing scenes. Encourage retail service providers, social work service agencies and other services to expand the function of helping the elderly, to provide daily necessities purchasing, housekeeping appointment, collection and payment, registered medicine collection and other services.

This policy mainly involves retail, elderly care, housekeeping, home care and other service industries. Many older people do not live with their children, who are too busy working to care for them. Therefore, the market for caring for the elderly is very large.

This market has broad room for development. For most elderly people, the last part of their lives is spent in nursing homes. However, the service quality of the nursing home is hardly flattering. Many elderly people are afraid of going to a nursing home and prefer to live a "minimalist life" at home rather than be dependent on others. Therefore, the service market for the elderly has considerable potential. Especially when the current market is blank and there is no industry benchmark, who first grasps the opportunity, who will master the wealth code of the next era.

(3) Developing community services for the convenience of the people. Focus on an hour of community life circle, build and transform a number of community convenience consumer service centers and other facilities, guide the rational layout of physical stores for daily products for the elderly, and encourage shopping malls and supermarkets to open special areas or convenient Windows for the elderly. Promote the construction of complete communities, develop community embedded service facilities, and promote logistics, smart express cabinets, and vegetable through trains into communities.

This policy for property, residential supporting services. Solve the "last mile" problem through hardware and services to reduce travel time for the elderly.

In fact, this is a scheme that cannot be landed in the market economy. Because the construction of community supporting facilities is based on the situation of community groups. Not all residential areas are senior citizens. For example, some communities do not have a high proportion of elderly people, but are inhabited by young migrant workers. The facilities in such communities are bound to favour young migrant workers. Therefore, it is impossible to implement this policy unless the elderly can be gathered into designated communities. Suppliers also have to consider costs and benefits, and it is impossible to open relevant stores for minority groups.

(4) Improving health services for the elderly. We will strengthen the construction of geriatric medicine departments in general hospitals and hospitals of traditional Chinese medicine, improve the prevention and treatment of geriatric diseases, and promote the transformation of scientific research achievements in the field of geriatric health. We will accelerate the construction of rehabilitation hospitals, nursing homes (centers and stations) and hospice care institutions, strengthen the capacity building of community-level medical and health institutions for rehabilitation nursing and health management, encourage the expansion of integrated medical and nursing services, and promote the construction of geriatric friendly medical institutions. Medical institutions are encouraged to extend rehabilitation services to communities and families through daytime rehabilitation, home beds, home visits and other means, support the development of elderly rehabilitation assessment, rehabilitation guidance, rehabilitation follow-up and other services, and expand the coverage of contracted services by family doctors. We will expand the application of traditional Chinese medicine in the field of health care, develop traditional Chinese medicine services such as the prevention and treatment of senile diseases and chronic diseases, and promote the research and development of traditional Chinese medicine rehabilitation equipment.

This policy refers to medical care for the elderly. The elderly are the main consumer group of the medical industry. China's medical resources are seriously insufficient, all the top three hospitals are overcrowded every day, to see a doctor and queue up, do not want to see a doctor for a few hours. It is a very difficult problem to solve the problem of difficult access to medical care for the elderly.

In recent years, the medical industry ushered in the market tuyere, capital began to pile into. The policy mentions several key words. "Chinese Medicine", "family", "prevention". First, it is clear that the target of policy support is limited to traditional Chinese medicine, followed by home care, and finally prevention in addition to treatment. TCM fields that meet these requirements will become the focus of policy support.

(5) Improving elderly care services. We will guide local governments to implement differentiated subsidies for common beds and nursing beds in elderly care institutions. Strengthen the construction and renovation of elderly care institutions, improve the ability to provide care services for disabled elderly people, and appropriately add special care areas for cognitively impaired elderly people. We will promote the construction of medical and health institutions and elderly care institutions adjacent to each other and the sharing of resources. Establish a service referral mechanism between home, community and institutional elderly care.

This policy requires local governments to expand local pension and medical resources, and increase the number of pension institutions and hospitals to accept the elderly.

For the current domestic elderly patients, long illness without filial children is a common phenomenon. No matter raising children or daughters, they are no longer old. The sick elderly have the need to be taken care of, but this group of people has its particularity, this part of the market is difficult to develop. For example, who is responsible for the sudden death of an elderly person while being cared for? There are so many domestic doctors, let alone accidents during nursing. For example, some elderly people with cognitive impairments simply cannot be cared for. So, this is not a great opportunity.

(6) Enriching cultural and sports services for the elderly. We will build a national University for Senior Citizens and open its schools to the public. Relying on the National University for the Elderly to build a national public service platform for elderly education, the establishment of elderly education resources and teachers. Manage the complicated problems of TV operation, and facilitate the elderly to watch TV. Encourage the editing and publication of large-print books suitable for the elderly. We will develop literature, radio, film, television, music, short video and other content industries for the elderly, and support exchanges and exhibitions by cultural groups and performance teams for the elderly. Organize and carry out various sports events suitable for the elderly. We will strengthen the construction of venues for ball games, chess and card games, and support the use of sports venues at off-peak times.

This policy is a requirement for the publicity center and the community to organize more activities for the elderly to reduce the loneliness of the elderly.

However, this part also belongs to the "money" of the field. Because most elderly people are not interested in paying for content, unlike young people, their pursuit of life is more on the material level. The spiritual needs of this generation cannot be compared with those of the young. Moreover, the consumption habits of the elderly can not be cultivated, they have long been used to free lunch, can not accept such spending. This is tantamount to blocking the road to commercialization. The inability to commercialize means that there is no way to stimulate social resources, and only state-owned enterprises can work hard.

(7) Improving elderly care services in rural areas. Make full use of the support service facilities (nursing homes) for the extremely poor in rural areas, and carry out elderly care services by means of entrusted management. We will support local elderly care institutions and catering establishments to increase their meal assistance functions. We will explore the establishment of an incentive and evaluation mechanism for volunteer services for the elderly, and carry out mutual support for the elderly in rural areas. Explore the adoption of the "company (social organization) + farmer + cooperative" business model to actively develop rural old-age care services and other rural characteristics.

The rural pension system is not perfect at all, and the policy requirement for rural areas is to speed up the improvement of the pension system. Moreover, the rural consumption power is extremely limited, there is no market. Therefore, the rural pension industry does not have the opportunity to make money.

(8) Cultivating silver-haired economic operators. We will give full play to the leading and exemplary role of state-owned enterprises, and encourage and guide state-owned enterprises to actively expand business related to the silver economy in combination with their main responsibilities. State-owned enterprises develop industries related to the silver economy, or provide sites and facilities for elderly care services, and relevant inputs are taken into account in the assessment of business performance. We will give full play to the role of the private economy, improve the mechanism for communication and communication between government and enterprises, break unreasonable barriers to market access, and promote the direct and rapid sharing of silver economic policies, funds, and information.

This policy calls on state-owned enterprises to take the lead. Let's get the silver economy going first.

The eyes of the private economy are focused on the post-90s and generation Z, and for the elderly, the private economy is not cold. In the business circle, this point is also a consensus, private economies did not want to make money from the elderly. For this, state-owned enterprises need to set an example. Let the private economy see the value of the silver market, so as to leverage the private economy.

(9) Promoting the development of industrial clusters. In the Beijing-Tianjin-Hebei region, the Yangtze River Delta, the Guangdong-Hong Kong-Macao Greater Bay Area, Chengdu-Chongqing and other regions, about 10 high-level silver economic and industrial parks are planned and laid out. We will promote cross-regional and international cooperation in the silver economy by relying on platforms such as pilot free trade zones, various development zones, national comprehensive demonstration zones for expanding opening up of the service sector, and national demonstration zones for innovation and development of trade in services.

This policy is to require economically developed areas to take the lead and play a leading role, so as to stimulate the development of the national silver economy.

This is a work requirement for local governments, at best only some support for silver industry enterprises in individual parks, and the limitations are relatively large.

(10) Improving the efficiency of industry organizations. Encourage the establishment of social organizations in the field of silver economy in accordance with the law, support enterprises, research institutes, and industry associations to establish industrial cooperation platforms or consortions, and deepen industrial research, resource integration, and industry self-discipline. Strengthen public data sharing, and support industry organizations to carry out industrial operation monitoring and analysis and information release.

(11) Promoting branding development. We will cultivate leading enterprises in the field of silver economy and support chain-oriented and group-oriented development. Encourage industry associations to hold quality channel matchmaking meetings by category. Relying on China Brand Day, National "Quality Month", National Intellectual Property Publicity Week and other activities, we actively carry out public welfare publicity of Silver economic independent brands. China International Import Expo, China Import and Export Fair, China International Fair for Trade in Services, China International Consumer Goods Expo and other platforms will be used to showcase and promote the cutting-edge technologies and products and services of silver hair economy, and hold industrial docking activities.

(12) Conduct high-standard navigation operations. We will carry out standardization trials in the fields of elderly care services, culture and tourism, elderly products, age-appropriate transformation, and intelligent technology application. Products that are independently developed, technologically advanced and recognized by the market will be preferentially included in the guidelines for upgrading and innovative consumer goods. Make good use of quality control and technical evaluation laboratories in various fields, build high-level and professional third-party quality testing platforms, and carry out quality assessment, verification and certification.

(13) Expanding consumption supply channels. Combined with traditional festivals such as the Spring Festival and the Double Ninth Festival, as well as activities such as "Respecting the Elderly Month", we will guide e-commerce platforms and large supermarkets to hold themed shopping festivals, design special interfaces for the elderly, support the establishment of silver consumption areas, encourage children to place online orders and elderly people to experience services offline, and cultivate a number of characteristic activity brands. Create a number of online platforms and offline supermarkets that allow the elderly to consume at ease and facilitate shopping.

The combination of these policies is mainly to require economically developed areas to take the lead and play a leading role, so as to stimulate the development of the national silver economy.

These are actually the work requirements of local governments. From a business perspective, companies can take advantage of these opportunities. But these policies and industries, enterprises, the relationship is not so big. The opportunities for industries and enterprises to make money are still in other policy provisions.

(14) Strengthen the innovation of elderly products. Strengthen the research and development and design of clothing fabrics, style structures, auxiliary devices, etc., and develop functional clothing, shoes and hats for the elderly. Encourage research and development of health food and special medical formula food suitable for chewing, swallowing and nutritional requirements of the elderly. We will implement actions to promote the high-quality development of the household industry, focusing on the development and application of age-appropriate daily products and elderly leisure care products. Improve the elderly products promotion catalogue, timely assessment and dynamic adjustment. Guide vehicle manufacturers to develop models that meet national technical standards and meet the needs of barrier-free travel for the elderly.

The policy mentions the clothing, health care products, home furnishing and automobile industries. The elderly market is expanding, activating the elderly market needs to have a matching supply.

There are few elderly clothes on the market right now. Because of the particularity of the elderly group, their requirements for clothing are completely different from those of young people. Due to the habit of the elderly to save money, as a high-turnover clothing industry, businesses are not very happy to do business with the elderly. But today's clothing industry serious overcapacity, the elderly market although chicken ribs, but as long as the change of business model, or profitable.

In fact, the health care industry is overcapacity, and there is never a shortage of health care products for the elderly in China. But the problem is, the industry is poorly regulated and chaotic. Health care products industry is very profitable, the premise is to black conscience.

As for the home industry, it is more inclined to the pet industry. The loneliness of the elderly determines that they need the companionship of living creatures. Socializing is a way of banishing loneliness, and so is having a pet. Networking requires like-minded people, and it also requires everyone to have time, which is a bit of a threshold. But getting a pet is relatively simple.

In the automobile industry, there is no market for elderly cars. Even if we look internationally, there are no car companies that specialize in cars for the elderly. There is no way to go down this road.

(15) Create a new business model of smart and healthy elderly care. Improve the promotion catalog of smart and healthy elderly care products and services, promote the integrated application of next-generation information technology and smart devices such as mobile terminals, wearable devices, and service robots in elderly care scenarios such as homes, communities, and institutions, and develop smart products for health management, elderly care monitoring, and psychological comfort. Promote the application of intelligent nursing robots, home service robots, intelligent anti-loss terminals and other intelligent devices. Encourage the use of virtual reality and other technologies to carry out display experience of elderly products and services.

This policy focuses on AI. The elderly care industry has gradually rolled out, and under the wave of AI, the next step is to carry out digital upgrading. AI+ elderly care is the next key support industry.

The opportunity here is not in the traditional pension industry, but in the wisdom industry, that is, the AI technology industry. The core productivity of the traditional pension industry still relies on manual labor, but the core productivity of the smart pension industry is AI. And AI is a strategic industry, and it is the current tuyere, but anyone who is related to AI, want to make money is relatively easy.

(16) Vigorously develop the rehabilitation AIDS industry. Promote the upgrading of traditional functional compensatory rehabilitation AIDS such as hearing AIDS, orthotics, crutches, and prosthetics, and develop life care products such as smart wheelchairs, lift machines, and rehabilitation nursing beds. Expand the supply of equipment and products such as cognitive impairment assessment training, incontinence rehabilitation training, medication and nursing reminders, and sleep disorder intervention.

This policy is about the elderly care equipment industry. With the increasing number of elderly people, the market demand also expands. Incremental markets will always exist until population aging ends.

In the elderly care equipment industry, the mainstream on the market is imported equipment, and domestic equipment is seriously absent. Under the premise of the prevailing domestic alternative culture, domestic brands as long as they seriously take good quality, with the mainstream tone of the current society, they can fully occupy a place in the domestic market.

(17) Developing anti-aging industries. Deepen research on skin aging mechanism, human aging model, and human hair health, and strengthen research and application of gene technology, regenerative medicine, and laser radio frequency in the field of anti-aging. Promote the deep integration of biotechnology such as genetic testing and molecular diagnosis with the delay of geriatric diseases, and develop early screening products and services for geriatric diseases. To promote the research and development of cosmetics raw materials, formulations and production processes.

This policy mainly refers to the pharmaceutical industry. It is said that time is a knife to kill pigs, but anyone wants to touch this. The elderly also have a need for beauty.

In the past few years, many big business people have announced that they will transform into life sciences, and their goal is to anti-aging. This segment is really limited to high-end users. For ordinary elderly people, the funds in their health insurance accounts are not enough, and they have no power to consider medical beauty. However, in contrast, there are also a number of groups in the elderly group with high consumption power. They are not short of money and are willing to spend money to brighten up the final stage of their life. Therefore, this part of the money-making opportunity is limited to some groups.

(18) Enriching and developing financial products for the elderly. We will support financial institutions in developing financial services for the elderly in accordance with laws and regulations, and provide services such as financial planning and fund management for the elderly. We will expand personal pension products and promote the development of exclusive commercial pension insurance. We will actively develop commercial medical insurance and commercial long-term care insurance, carry out the pilot work of switching liability between life insurance and long-term care insurance, and strengthen the connection between the research and development of financial products for the elderly and health and old-age care services.

This policy is very important and can be said to point out a new development path for the financial industry at present. The elderly generally have financial needs, but most of them lack financial knowledge. In contrast, financial products are not abundant. For this reason, elderly finance has never been done. At the same time, the domestic pension security system mainly relies on the pension support of the first pillar. After the aging of the future population, the first pillar alone can not meet the needs of the whole society. This is the last window for the development of the second and third pillars.

In the financial industry, the financial products related to the pension are mainly insurance business. This one got a bad rap. The domestic insurance industry generally has a bad reputation in society. In response, the other two of the financial troika, banks and securities, should also evolve with The Times and come up with their own products. In addition to talking about insurance, the policy also supports the pension products of other financial institutions.

(19) Expanding tourism service formats. We will improve family-friendly service facilities such as hotels and homestays, and encourage the development of family travel products. We will launch a number of typical cases of the development of elderly tourism, and expand and promote themed products such as nostalgic Tours and youth Tours. Replace age constraints with health conditions, improve relevant regulations to facilitate travel for the elderly, improve complaints and reporting mechanisms and strengthen supervision. We will develop tourism insurance for the elderly and encourage the expansion of the coverage of tourism insurance. Establish a nationwide cooperation platform for the old-age care industry, cultivate destinations for old-age care, and carry out promotion activities for old-age care.

That policy is clearly tourism. The elderly are basically retired at home, and the last thing they lack is time. When you have time, you can go out more, which is also good for physical and mental health.

However, tourism for the elderly is already in a state of inactivity. Now as long as a travel agency will launch a variety of senior tour projects. Merchants are fighting costs, who can control costs who can lower prices, who can lower prices who can attract more elderly consumers. In an already competitive market environment, tourism for the elderly is actually no longer profitable.

(20) Promoting age-appropriate transformation. We will promote barrier-free construction in public Spaces and places of consumption, incorporate them into the urban physical examination index system, and carry out regular assessments of the implementation of territorial spatial planning. Carry out the renovation of homes suitable for aging, encourage old residential areas to install elevators, and equip families with intelligent safety monitoring equipment. We will carry out digital aging capability enhancement projects, promote Internet application transformation, and retain offline services for high-frequency matters involving the elderly. To promote the elderly food, medicine, supplies, etc., brochures and promotional materials suitable for aging.

This policy is a requirement for the real estate industry, and the living needs of the elderly are different from those of the young. They need simpler, cleaner living Spaces. However, the real estate industry now what the situation is obvious to all, understand all understand.

(21) Strengthening the application of scientific and technological innovation. A number of forward-looking and strategic science and technology research projects will be planned around key areas such as rehabilitation AIDS and smart health care for the elderly. Support scientific research activities in the field of silver economy through central financial science and technology programs (special projects, funds, etc.) to improve the level of independent research and development. We will increase support for the silver economy through special projects such as high-quality industrial development and the development of strategic emerging industries.

(22) Improving land and housing security. Scientific preparation of land supply plans to ensure the elderly service facilities and silver economic and industrial land demand. New residential areas in accordance with the per capita per capita land of not less than 0.1 square meters of standard zoning and grading planning to set up community elderly service facilities, old residential areas should be made up according to local conditions, permanent residents of the county (city, district) to reach a moderate aging population should increase the construction standards of new residential areas. We will support training and nursing homes in transforming and developing elderly care services. On the premise of ensuring safety, support the use of idle commercial, office, industrial, storage and other stock places to rebuild elderly care service facilities. After planning, implementation, evaluation and demonstration of the stock space, the floor area ratio can be appropriately increased according to law, and the urban service function can be improved.

(23) Strengthening fiscal and financial support. Optimize the use of special projects related to investment in the central budget, support eligible new elderly care service facilities equipped with information management systems and promote the use of intelligent artificial replacement equipment. Support qualified silver economic and industrial projects through local government special bonds. Make good use of special reloans for inclusive elderly care, and provide credit support in accordance with market-oriented principles for qualified public welfare and inclusive elderly care institutions, the construction of home-based community elderly care systems, and elderly product manufacturing enterprises included in relevant catalogs. All kinds of financial institutions are encouraged to increase support for the construction of elderly care service facilities and silver economic and industrial projects under the premise of adhering to their functional positioning and complying with laws and regulations.

(24) Promoting talent development. Support and guide ordinary colleges and vocational colleges to add silver economy-related majors in combination with their own advantages and social needs, and reasonably determine the enrollment scale of gerontology, pharmacy, elderly care services, health services, nursing and other majors. Encourage old-age care and other vocational skill level training and evaluation, and support school and enterprise cooperation to build training bases integrating industry and education. We will conserve human resources for the elderly, and support them in participating in civilized practice, public charity, voluntary service, science, education, culture and health care.

(25) Support for sound data elements. Establish an orderly open and rational development and utilization mechanism for data in the field of silver economy, coordinate government and social data resources, strengthen the sharing of data related to the elderly at the national level, and promote the development of data elements to empower the industry. Activities such as the collection and use of personal information in intelligent products and services should be regulated according to law, and technical monitoring, supervision and inspection should be strengthened to do a good job in security protection and risk control.

(26) Cracking down on fraud involving the elderly. Extensively carry out propaganda and education activities for the elderly to identify fraud and prevent fraud, and strictly crack down on all kinds of fraud crimes that infringe upon the legitimate rights and interests of the elderly in the name of investing in "pension projects", selling "pension products", declaring "pension with housing", acting as "pension insurance", and carrying out "pension assistance" in accordance with the law.

These six are actually the requirements of the next government work, and have nothing to do with enterprises. Therefore, these six will not be said.

Note: This article is transferred from "Finance and economics Shu Ting said", the original title "Detailed explanation of" Silver economic 26 ", the dragon year of money opportunities are here"