养老金融、银发经济临风口 产业发展空间将进一步打开(yang lao jin rong yin fa jing ji lin feng kou chan ye fa zhan kong jian jiang jin yi bu da kai)

　　◎记jì者zhě 范fàn子zi萌méng

　　养yǎng老lǎo金jīn融róng一yī头tóu关guān系xì着zhe养yǎng老lǎo产chǎn业yè的de健jiàn康kāng发fā展zhǎn，另lìng一yī头tóu连lián接jiē着zhe推tuī动dòng国guó民mín经jīng济jì发fā展zhǎn的de金jīn融róng活huó水shuǐ。我wǒ国guó已yǐ进jìn入rù中zhōng度dù老lǎo龄líng化huà社shè会huì，发fā展zhǎn养yǎng老lǎo金jīn融róng与yǔ银yín发fā经jīng济jì的de重zhòng要yào性xìng进jìn一yī步bù凸tū显xiǎn。

　　市shì场chǎng对duì于yú养yǎng老lǎo金jīn融róng与yǔ银yín发fā经jīng济jì有yǒu哪nǎ些xiē布bù局jú与yǔ洞dòng察chá？应yīng怎zěn样yàng把bǎ握wò养yǎng老lǎo产chǎn业yè的de投tóu资zī机jī遇yù？近jìn日rì，在zài上shàng海hǎi证zhèng券quàn交jiāo易yì所suǒ与yǔ上shàng海hǎi证zhèng券quàn报bào联lián合hé策cè划huà的de“价jià值zhí与yǔ投tóu资zī”活huó动dòng上shàng，来lái自zì工gōng商shāng银yín行xíng、昆kūn药yào集jí团tuán、中zhōng国guó平píng安ān以yǐ及jí中zhōng金jīn公gōng司sī、中zhōng证zhèng指zhǐ数shù公gōng司sī的de5位wèi嘉jiā宾bīn，围wéi绕rào“养yǎng老lǎo金jīn融róng与yǔ银yín发fā经jīng济jì”这zhè一yī主zhǔ题tí，探tàn讨tǎo行xíng业yè发fā展zhǎn与yǔ投tóu资zī机jī遇yù。

　　老lǎo龄líng化huà社shè会huì

　　催cuī生shēng“银yín发fā经jīng济jì”蓬péng勃bó发fā展zhǎn

　　随suí着zhe人rén口kǒu老lǎo龄líng化huà程chéng度dù加jiā深shēn，银yín发fā经jīng济jì、养yǎng老lǎo产chǎn业yè已yǐ成chéng为wèi确què定dìng性xìng的de业yè务wù机jī遇yù。

　　中zhōng金jīn公gōng司sī研yán究jiū部bù执zhí行xíng总zǒng经jīng理lǐ姚yáo泽zé宇yǔ表biǎo示shì，银yín发fā经jīng济jì、养yǎng老lǎo产chǎn业yè未wèi来lái发fā展zhǎn空kōng间jiān非fēi常cháng大dà，同tóng时shí由yóu于yú行xíng业yè涉shè及jí的de产chǎn业yè链liàn条tiáo足zú够gòu长zhǎng，覆fù盖gài消xiāo费fèi、制zhì造zào、医yī疗liáo保bǎo健jiàn、服fú务wù业yè等děng，前qián景jǐng可kě观guān。

　　规guī模mó和hé体tǐ量liàng奠diàn定dìng了le银yín发fā经jīng济jì发fā展zhǎn基jī础chǔ。国guó家jiā统tǒng计jì局jú数shù据jù显xiǎn示shì，截jié至zhì2023年nián末mò，60岁suì及jí以yǐ上shàng人rén口kǒu已yǐ占zhàn全quán国guó人rén口kǒu的de21.1%，这zhè意yì味wèi着zhe中zhōng国guó已yǐ迈mài入rù中zhōng度dù老lǎo龄líng社shè会huì。姚yáo泽zé宇yǔ认rèn为wèi，未wèi来lái老lǎo年nián人rén数shù或huò加jiā速sù增zēng长zhǎng，与yǔ此cǐ同tóng时shí银yín发fā经jīng济jì、养yǎng老lǎo产chǎn业yè会huì迎yíng来lái发fā展zhǎn黄huáng金jīn期qī。

　　就jiù发fā展zhǎn空kōng间jiān规guī模mó而ér言yán，中zhōng国guó老lǎo龄líng科kē学xué研yán究jiū中zhōng心xīn数shù据jù显xiǎn示shì，2023年nián我wǒ国guó银yín发fā经jīng济jì市shì场chǎng规guī模mó约yuē7万wàn亿yì元yuán。这zhè个gè规guī模mó在zài2035年nián或huò将jiāng达dá到dào30万wàn亿yì元yuán。“这zhè意yì味wèi着zhe年nián复fù合hé增zēng速sù将jiāng超chāo15%，空kōng间jiān大dà、增zēng速sù快kuài。”姚yáo泽zé宇yǔ表biǎo示shì。

　　养yǎng老lǎo产chǎn业yè相xiāng关guān指zhǐ数shù长zhǎng期qī表biǎo现xiàn，也yě可kě以yǐ从cóng侧cè面miàn反fǎn映yìng巨jù大dà的de市shì场chǎng发fā展zhǎn空kōng间jiān。中zhōng证zhèng指zhǐ数shù公gōng司sī市shì场chǎng服fú务wù部bù总zǒng监jiān助zhù理lǐ胡hú威wēi介jiè绍shào，以yǐ中zhōng证zhèng养yǎng老lǎo产chǎn业yè指zhǐ数shù为wèi例lì，该gāi指zhǐ数shù选xuǎn取qǔ涉shè及jí健jiàn康kāng管guǎn理lǐ、休xiū闲xián旅lǚ游yóu、人rén寿shòu保bǎo险xiǎn等děng养yǎng老lǎo产chǎn业yè80只zhǐ上shàng市shì公gōng司sī股gǔ票piào作zuò为wèi指zhǐ数shù样yàng本běn，基jī日rì以yǐ来lái涨zhǎng幅fú超chāo400%，年nián化huà收shōu益yì近jìn9%。截jié至zhì8月yuè底dǐ，中zhōng证zhèng指zhǐ数shù公gōng司sī共gòng计jì发fā布bù养yǎng老lǎo及jí健jiàn康kāng产chǎn业yè相xiāng关guān指zhǐ数shù约yuē20条tiáo；市shì场chǎng跟gēn踪zōng指zhǐ数shù产chǎn品pǐn共gòng30只zhǐ，合hé计jì跟gēn踪zōng资zī金jīn规guī模mó约yuē300亿yì元yuán。

　　胡hú威wēi认rèn为wèi，指zhǐ数shù化huà投tóu资zī能néng够gòu发fā挥huī“压yā舱cāng石sh픓稳wěn定dìng器qì”的de作zuò用yòng，在zài承chéng接jiē社shè保bǎo、养yǎng老lǎo金jīn、险xiǎn资zī等děng中zhōng长zhǎng期qī资zī金jīn需xū求qiú方fāng面miàn能néng够gòu发fā挥huī较jiào好hǎo的de载zài体tǐ作zuò用yòng。

　　抢qiǎng滩tān银yín发fā经jīng济jì：各gè方fāng积jī极jí布bù局jú

　　各gè方fāng积jī极jí布bù局jú银yín发fā经jīng济jì，发fā展zhǎn养yǎng老lǎo金jīn融róng。

　　工gōng商shāng银yín行xíng养yǎng老lǎo金jīn融róng部bù专zhuān家jiā汪wāng华huá介jiè绍shào，工gōng商shāng银yín行xíng在zài投tóu融róng资zī以yǐ及jí综zōng合hé服fú务wù方fāng面miàn，持chí续xù加jiā大dà对duì养yǎng老lǎo产chǎn业yè的de金jīn融róng供gōng给gěi。加jiā大dà对duì养yǎng老lǎo新xīn技jì术shù、新xīn业yè态tài的de支zhī持chí力lì度dù，助zhù力lì银yín发fā经jīng济jì规guī模mó化huà、标biāo准zhǔn化huà、集jí群qún化huà、品pǐn牌pái化huà发fā展zhǎn。同tóng时shí，加jiā大dà普pǔ惠huì养yǎng老lǎo金jīn融róng支zhī持chí力lì度dù，为wèi个gè人rén客kè户hù提tí供gōng全quán生shēng命mìng周zhōu期qī的de养yǎng老lǎo财cái富fù服fú务wù。

　　工gōng商shāng银yín行xíng在zài养yǎng老lǎo金jīn融róng方fāng面miàn布bù局jú较jiào早zǎo，进jìn行xíng了le富fù有yǒu成chéng效xiào的de探tàn索suǒ创chuàng新xīn。聚jù焦jiāo养yǎng老lǎo金jīn融róng，汪wāng华huá表biǎo示shì，工gōng商shāng银yín行xíng将jiāng全quán面miàn实shí施shī养yǎng老lǎo金jīn融róng“1134工gōng程chéng”：“一yī个gè方fāng案àn”，围wéi绕rào各gè级jí政zhèng府fǔ老lǎo龄líng工gōng作zuò部bù署shǔ，提tí供gōng全quán面miàn、系xì统tǒng的de养yǎng老lǎo金jīn融róng综zōng合hé方fāng案àn；“一yī个gè平píng台tái”，在zài手shǒu机jī银yín行xíng上shàng建jiàn设shè综zōng合hé化huà的de、包bāo括kuò金jīn融róng和hé非fēi金jīn融róng服fú务wù的de养yǎng老lǎo金jīn融róng社shè区qū平píng台tái；“三sān个gè体tǐ系xì”，建jiàn设shè养yǎng老lǎo金jīn融róng产chǎn品pǐn体tǐ系xì、服fú务wù体tǐ系xì和hé生shēng态tài体tǐ系xì；“四sì个gè板bǎn块kuài”，做zuò深shēn做zuò精jīng养yǎng老lǎo金jīn管guǎn理lǐ、养yǎng老lǎo财cái富fù管guǎn理lǐ、长zhǎng辈bèi客kè群qún服fú务wù和hé养yǎng老lǎo产chǎn业yè金jīn融róng。

　　保bǎo险xiǎn资zī金jīn长zhǎng线xiàn投tóu资zī的de特tè征zhēng与yǔ养yǎng老lǎo产chǎn业yè高gāo度dù适shì配pèi，目mù前qián头tóu部bù险xiǎn企qǐ在zài养yǎng老lǎo产chǎn业yè的de布bù局jú已yǐ基jī本běn完wán成chéng。例lì如rú，中zhōng国guó平píng安ān明míng确què了le“综zōng合hé金jīn融róng+医yī疗liáo养yǎng老lǎo”双shuāng轮lún驱qū动dòng战zhàn略lüè。中zhōng国guó平píng安ān人rén寿shòu保bǎo险xiǎn康kāng养yǎng事shì业yè部bù投tóu资zī管guǎn理lǐ负fù责zé人rén苏sū彬bīn灿càn介jiè绍shào，中zhōng国guó平píng安ān正zhèng在zài分fēn阶jiē段duàn推tuī动dòng实shí施shī医yī疗liáo养yǎng老lǎo战zhàn略lüè。

　　苏sū彬bīn灿càn表biǎo示shì，目mù前qián平píng安ān居jū家jiā养yǎng老lǎo业yè务wù已yǐ覆fù盖gài64个gè城chéng市shì，平píng安ān臻zhēn颐yí年nián高gāo品pǐn质zhì养yǎng老lǎo社shè区qū服fú务wù已yǐ覆fù盖gài5个gè核hé心xīn城chéng市shì，但dàn是shì基jī于yú客kè户hù需xū求qiú，还hái远yuǎn远yuǎn不bù够gòu，未wèi来lái潜qián力lì巨jù大dà。后hòu续xù中zhōng国guó平píng安ān将jiāng持chí续xù构gòu建jiàn具jù有yǒu特tè色sè的de管guǎn理lǐ式shì医yī疗liáo养yǎng老lǎo服fú务wù体tǐ系xì，核hé心xīn目mù标biāo是shì将jiāng养yǎng老lǎo服fú务wù扩kuò大dà到dào更gèng多duō城chéng市shì，落luò地dì更gèng多duō高gāo品pǐn质zhì社shè区qū项xiàng目mù，覆fù盖gài更gèng多duō保bǎo单dān客kè户hù的de医yī养yǎng服fú务wù需xū求qiú。

　　医yī药yào企qǐ业yè亦yì在zài加jiā紧jǐn布bù局jú。昆kūn药yào集jí团tuán副fù总zǒng裁cái张zhāng梦mèng珣xún介jiè绍shào，作zuò为wèi深shēn耕gēng银yín发fā经jīng济jì领lǐng域yù的de医yī药yào健jiàn康kāng标biāo杆gān企qǐ业yè，公gōng司sī锚máo定dìng“银yín发fā健jiàn康kāng产chǎn业yè引yǐn领lǐng者zhě、精jīng品pǐn国guó药yào领lǐng先xiān者zhě、老lǎo龄líng健jiàn康kāng—慢màn病bìng管guǎn理lǐ领lǐng导dǎo者zhě”的de战zhàn略lüè目mù标biāo，对duì于yú老lǎo龄líng化huà的de健jiàn康kāng需xū求qiú进jìn行xíng深shēn度dù布bù局jú。“昆kūn中zhōng药yào1381”是shì公gōng司sī重zhòng点diǎn打dǎ造zào的de精jīng品pǐn国guó药yào平píng台tái，在zài消xiāo化huà系xì统tǒng、情qíng绪xù管guǎn理lǐ等děng治zhì疗liáo领lǐng域yù拥yōng有yǒu丰fēng富fù的de产chǎn品pǐn布bù局jú，致zhì力lì于yú为wèi中zhōng老lǎo年nián群qún体tǐ提tí供gōng更gèng多duō健jiàn康kāng消xiāo费fèi选xuǎn择zé。同tóng时shí，昆kūn药yào集jí团tuán以yǐ血xuè塞sāi通tōng口kǒu服fú系xì列liè产chǎn品pǐn起qǐ步bù的de“777”品pǐn牌pái，是shì公gōng司sī全quán力lì打dǎ造zào三sān七qī产chǎn业yè链liàn标biāo杆gān、推tuī动dòng三sān七qī产chǎn业yè链liàn高gāo质zhì量liàng发fā展zhǎn的de重zhòng要yào举jǔ措cuò，更gèng是shì对duì国guó家jiā应yīng对duì人rén口kǒu老lǎo龄líng化huà战zhàn略lüè需xū求qiú的de积jī极jí响xiǎng应yīng，未wèi来lái亦yì将jiāng逐zhú步bù拓tà展zhǎn到dào健jiàn康kāng管guǎn理lǐ、疾jí病bìng预yù防fáng、严yán肃sù治zhì疗liáo及jí病bìng后hòu康kāng复fù等děng全quán系xì列liè产chǎn品pǐn线xiàn，带dài动dòng云yún南nán药yào材cái三sān七qī走zǒu出chū国guó门mén、助zhù推tuī中zhōng医yī药yào文wén化huà国guó际jì传chuán播bō。

　　机jī遇yù、想xiǎng象xiàng空kōng间jiān仍réng待dài打dǎ开kāi

　　当dāng前qián，养yǎng老lǎo金jīn融róng与yǔ银yín发fā经jīng济jì加jiā速sù发fā展zhǎn，新xīn的de想xiǎng象xiàng空kōng间jiān仍réng待dài进jìn一yī步bù打dǎ开kāi。

　　以yǐ个gè人rén养yǎng老lǎo金jīn制zhì度dù为wèi例lì。在zài36地dì试shì点diǎn一yī年nián多duō后hòu，个gè人rén养yǎng老lǎo金jīn制zhì度dù今jīn年nián有yǒu望wàng推tuī广guǎng至zhì全quán国guó。姚yáo泽zé宇yǔ认rèn为wèi，当dāng前qián虽suī然rán已yǐ有yǒu6000多duō万wàn人rén开kāi通tōng个gè人rén养yǎng老lǎo金jīn账zhàng户hù，但dàn实shí际jì完wán成chéng缴jiǎo费fèi和hé产chǎn品pǐn购gòu买mǎi的de占zhàn比bǐ还hái不bù高gāo，出chū现xiàn投tóu资zī缴jiǎo费fèi意yì愿yuàn不bù足zú的de现xiàn象xiàng。这zhè需xū要yào金jīn融róng机jī构gòu通tōng过guò产chǎn业yè链liàn协xié作zuò，共gòng同tóng开kāi垦kěn个gè人rén养yǎng老lǎo金jīn业yè务wù，更gèng好hǎo地dì服fú务wù养yǎng老lǎo金jīn融róng发fā展zhǎn。

　　金jīn融róng机jī构gòu如rú何hé挖wā掘jué个gè人rén养yǎng老lǎo金jīn融róng市shì场chǎng？姚yáo泽zé宇yǔ表biǎo示shì，金jīn融róng机jī构gòu应yīng基jī于yú自zì身shēn优yōu势shì，推tuī行xíng差chà异yì化huà发fā展zhǎn策cè略lüè：商shāng业yè银yín行xíng补bǔ强qiáng投tóu研yán能néng力lì，强qiáng化huà养yǎng老lǎo产chǎn品pǐn代dài销xiāo和hé服fú务wù能néng力lì；公gōng募mù基jī金jīn和hé券quàn商shāng继jì续xù发fā挥huī产chǎn品pǐn端duān优yōu势shì，不bù断duàn扩kuò充chōng养yǎng老lǎo产chǎn品pǐn线xiàn，同tóng时shí强qiáng化huà资zī产chǎn配pèi置zhì能néng力lì；保bǎo险xiǎn公gōng司sī与yǔ上shàng游yóu代dài销xiāo渠qú道dào加jiā强qiáng合hé作zuò，提tí升shēng资zī产chǎn管guǎn理lǐ能néng力lì，推tuī出chū更gèng多duō养yǎng老lǎo保bǎo险xiǎn相xiāng关guān服fú务wù，并bìng提tí供gōng一yī些xiē衍yǎn生shēng康kāng养yǎng服fú务wù。

　　谈tán及jí养yǎng老lǎo资zī产chǎn配pèi置zhì，胡hú威wēi表biǎo示shì，其qí聚jù焦jiāo投tóu资zī风fēng格gé稳wěn定dìng、投tóu资zī策cè略lüè清qīng晰xī、长zhǎng期qī收shōu益yì良liáng好hǎo、运yùn作zuò合hé规guī稳wěn健jiàn等děng特tè征zhēng的de产chǎn品pǐn，与yǔ指zhǐ数shù化huà投tóu资zī所suǒ倡chàng导dǎo的de理lǐ性xìng投tóu资zī、长zhǎng期qī投tóu资zī、价jià值zhí投tóu资zī理lǐ念niàn高gāo度dù契qì合hé。

　　以yǐ权quán益yì类lèi指zhǐ数shù为wèi例lì，胡hú威wēi表biǎo示shì，以yǐ沪hù深shēn300为wèi代dài表biǎo的de核hé心xīn宽kuān基jī指zhǐ数shù能néng够gòu较jiào好hǎo反fǎn映yìng我wǒ国guó宏hóng观guān经jīng济jì结jié构gòu调diào整zhěng和hé产chǎn业yè转zhuǎn型xíng升shēng级jí趋qū势shì，为wèi投tóu资zī者zhě提tí供gōng分fēn享xiǎng宏hóng观guān经jīng济jì发fā展zhǎn红hóng利lì的de工gōng具jù。随suí着zhe社shè保bǎo、养yǎng老lǎo金jīn等děng长zhǎng期qī资zī金jīn持chí续xù入rù市shì，以yǐ沪hù深shēn300为wèi代dài表biǎo的de核hé心xīn宽kuān基jī指zhǐ数shù作zuò为wèi核hé心xīn资zī产chǎn配pèi置zhì工gōng具jù的de功gōng能néng有yǒu望wàng进jìn一yī步bù显xiǎn现xiàn。此cǐ外wài，具jù备bèi良liáng好hǎo防fáng御yù属shǔ性xìng以yǐ及jí高gāo股gǔ息xī率lǜ特tè征zhēng的de红hóng利lì指zhǐ数shù产chǎn品pǐn，符fú合hé养yǎng老lǎo金jīn等děng长zhǎng期qī资zī金jīn配pèi置zhì风fēng格gé。目mù前qián，中zhōng证zhèng指zhǐ数shù公gōng司sī已yǐ形xíng成chéng较jiào为wèi完wán善shàn的de红hóng利lì指zhǐ数shù体tǐ系xì，包bāo括kuò高gāo股gǔ息xī、红hóng利lì低dī波bō、红hóng利lì质zhì量liàng、红hóng利lì增zēng长zhǎng、红hóng利lì价jià值zhí、红hóng利lìESG以yǐ及jí“行xíng业yè/主zhǔ题tí+红hóng利lì”等děng指zhǐ数shù系xì列liè。