Silver hair economy, financial "window"?

On January 5th, the executive meeting of the State Council was held to study the policy measures to develop the silver-haired economy and enhance the well-being of the elderly. The meeting emphasized that developing the silver-haired economy is an important measure to actively cope with the aging population and promote high-quality development, which is beneficial to both the present and the long-term.

The central financial work conference held at the end of October last year mentioned doing five major articles well, and pension finance is one of them.
The Central Economic Work Conference held in December last year proposed to develop the silver-haired economy, "speeding up the improvement of the birth support policy system, developing the silver-haired economy and promoting the high-quality development of the population."
A series of policies all point to the silver-haired economy. Is there any reason for financiers not to act?

The central bank bears the brunt of its efforts.

Recently, when reviewing the work in 2023, the central bank said that in 2023, the People’s Bank of China continued to increase financial support for the aged.
There are three specific contents:Guide banks to make good use of special refinancing loans for inclusive old-age care and strengthen financial support for old-age care services. The data shows that by the end of the third quarter of 2023, banking financial institutions have been supported to provide preferential interest rate loans to 66 inclusive pension service institutions in five pilot provinces such as Hebei.
It is understood that the special re-loan for inclusive old-age care is a special re-loan set up by the People’s Bank of China, and the supporting field of the special re-loan for inclusive old-age care is qualified inclusive old-age care institutions. On April 29th, 2022, the People’s Bank of China and the National Development and Reform Commission decided to carry out pilot projects in some areas.
Strengthen the guidance of credit policy and promote the credit supply of pension industry. According to the data, by the end of the third quarter of 2023, the loan balance of seven big banks, namely China Development Bank, Agricultural Development Bank, Industrial and Commercial Bank of China, Agricultural Bank, Bank of China, China Construction Bank and Bank of Communications, was about 101.2 billion yuan, up 31% year-on-year.
Encourage the upgrading of financial aging services and enhance the inclusiveness of pension finance.. Promote the transformation of bank outlets and mobile clients.
Now, do you often see blood pressure monitors, first aid kits, wheelchairs, reading glasses and other equipment at bank outlets or counters? Among them, there is a little attention from "Yang Ma"!

goldMelting machineConstruct and increase supply

At present, financial institutions continue to introduce financial products for the aged, such as savings, wealth management, trust and Public Offering of Fund.
In terms of personal pension products, according to the catalogue of personal pension products of the national social insurance public service platform, as of January 9, 2024, the total number of personal pension products reached 753. Among them, the number of savings products reached 465, which is the largest number of personal pension products at present; The number of funds is 162, ranking second in total; There are 107 insurance and 19 wealth management respectively.
Here are a few types of pension financial products for you:
Specific old-age savingsThe savings category specially set up for the old-age goal is actually a longer-term fixed deposit, which is divided into different files according to the savings years, and the interest rate is slightly higher than the five-year fixed deposit rate of large banks.
Financial products for the aged, mainly adopts the strategy of multi-asset allocation based on fixed-income assets, which is relatively stable.
Endowment insurance productsThere are many types, and the common types include traditional endowment insurance, dividend endowment insurance, universal life insurance and investment-linked insurance.
Pension trust productsThrough customized services and overlapping trust system design and legal relationship arrangement such as family trust, charitable trust and heritage trust, we will provide all-round and comprehensive services for customers with pension needs.

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Member Chinese People’s Political Consultative Conference and Vice President of south university of science and technology of china Jin Li:
When the age of longevity comes, finance can play an important supporting role in coping with the aging population. It should be noted that the elderly are mostly dependent on property income, and their finances are fragile and sensitive, so they need better financial planning. In addition, with the extension of life expectancy, some elderly people may face the risk of disability and dementia in the future, and further aging transformation of financial services is needed. Furthermore, some private nursing homes run away after misappropriation of funds or even losses, and some financial products related to the elderly are misleading or even fraudulent, which seriously threatens the wealth security of the elderly. Some elderly people have low education level, poor ability to resist financial fraud, and sometimes excessive pursuit of high returns, misleading, leading to heavy losses.
In this regard, we must first strengthen investor education and financial planning for the elderly to help them enhance their risk awareness; Secondly, according to the characteristics of pension finance, products with low and medium risks, stable returns, long term and both savings and insurance functions should be created in a targeted manner, and the state provides tax incentives and minimum return insurance. Thirdly, in view of the problem that some elderly people’s children with mental deterioration or mental disabilities lack financial decision-making ability, we can learn from international experience, establish and improve the financial service entrustment system and the major contract review system, and create a stable long-term plan for them. Finally, it is suggested to regulate the use of funds through bank custody accounts to ensure the safety of pension investment.
Dong Ximiao, Principal Investigator of Zhaolian:
To implement the spirit of the State Council executive meeting and other related meetings and develop the silver-haired economy, both policies and markets are essential. On the one hand, the government should protect the basics and take the bottom line, and strengthen the basic guarantee; On the other hand, by making good use of the market mechanism, all kinds of business entities, including financial institutions, should give full play to their respective advantages to meet the diversified needs of silver-haired groups.
For financial institutions, they should focus on the long-term development of the pension market, optimize the allocation of financial resources, accelerate the innovation of products and services, strive to seize business opportunities such as asset management, custody, deposit and insurance, and tap indirect business opportunities such as account, card issuance and settlement. From the perspective of organizational structure, qualified financial institutions can set up a pension finance department, or set up a franchise institution for pension financial services, such as setting up a pension management company, to enhance the professional service ability of finance in the pension field. At the same time, we should constantly strengthen and improve the education of financial consumers, popularize financial knowledge in an appropriate way, strive to improve the financial literacy of silver-haired people, and enhance their awareness and ability of risk prevention.
Xiaobian Tip: Each type of pension financial products has its own unique advantages and disadvantages and suitable investment groups. For details, please consult professional financial institutions!
In addition, what other pension financial products do you know? Welcome to share them with you in the message area!

Everyone is watching.

This systemically important bank welcomes the new chairman!
Ma Linbo, who was prosecuted, was involved in Taiwan Province, and the Ministry of Commerce responded, and was fined 85.7 million yuan! The former chairman was banned from the market for 10 years ◆ There was another earthquake of magnitude 6.0 in Japan.
"Flowers" is a hit, and banks appear in the list of "special thanks"

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Reporter:Hu ping

Editor: Yunyang

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Exercise and no exercise, the original difference is so big!

Academician Zhong Nanshan said in the online open class: Since he was young, he has always insisted on physical exercise, taking physical exercise as a part of his life like eating and sleeping, so that he can undertake his daily work normally, and the growth of his age is only a number.

The picture comes from the National Healthy Lifestyle Action.

Is there really such a big difference between exercising and not exercising?

01

Long-term exercise leads to slow aging.

A mouse study conducted in 2020 found that aerobic exercise improved the muscle repair ability of old mice and improved muscle stem cells. The study published in Nature Metabolism mentioned that the exercised mice did not produce more muscle stem cells, but the "old cells" recovered their vitality. In this way, exercise is the most reliable way of "reverse growth".

02

Exercise can fight against vascular aging

Studies have found that running for six months can make blood vessels 4 years younger. This foreign study has trained people who have no previous running experience for six months and participated in the marathon. After such a process, it was found that six months of exercise significantly reduced their blood pressure and arteriosclerosis, which was equivalent to aging blood vessels.

03

Exercise "brakes" skin aging.

It is said that exercise is the best skin care product. Domestic studies have found that exercise can promote microcirculation and increase the ability of skin to inhale oxygen. At the same time, with the secretion of sweat during exercise, it will help the waste in the skin to be discharged, which can clean the skin and make the skin smoother.

04

Long-term exercise can slow down muscle loss.

In the research progress of muscle attenuation syndrome published in the international journal of gerontology in 2012, it is mentioned that after 30 years old, muscles lose 1% ~ 5% every year; After the age of 60, the muscle strength decreases by 3 ~ 5% every year; After 70 years old, the muscle strength of elderly women will drop by 50%~70%. The loss of 30% muscle will affect normal function, and the loss of 40% will be life-threatening. Muscles decrease with age, but exercise can delay this process.

05

Exercise can slow down heart and lung aging.

Breathless climbing stairs? It’s time to add some exercises to improve heart and lung function. Cardiopulmonary endurance is a person’s ability to continue physical activities. A lot of aerobic exercise can help us exercise cardiopulmonary function and slow down cardiopulmonary aging. The easiest exercise: brisk walking, jogging, cycling and so on.

06

People who exercise will be in a better mood

A study published in The Lancet Psychiatry found that the average person always has a few unhappy days every month, and those who actively exercise have 1.5 fewer depressed days than those who don’t participate in any exercise. It can be seen that exercise is good for people with mild depression and a history of depression, and depressed days are much less.

07

It’s better to keep exercising and sleeping.

For people who often suffer from insomnia, exercise is one of the effective ways to regulate sleep. Insomnia people can play a certain role in regulating the excitement and inhibition of the nervous system if they take physical exercise for a period of time, and establish a good cycle for sleep.

08

People who exercise are less sick.

Most people still stay in exercise to lose weight. In fact, when the weight is controlled, it will promote the regulation of blood pressure and blood lipid, so as to better control diabetes, improve physical condition and reduce the probability of disease.

09

Exercise makes people digest well.

It feels comfortable to take a walk after dinner. This is because exercise shortens the time of intestinal transmission, is conducive to defecation, and also helps to promote digestion and absorption. Sticking to long-term regular exercise is more beneficial to digestion. For example, when walking, our internal organs tremble slightly, and the diaphragm will move up and down during breathing, which will massage the gastrointestinal tract, accelerate gastrointestinal peristalsis and promote digestion and absorption.

10

It is better to insist on exercising bones.

Does exercise harm bone health? Improper exercise will affect bone health, but proper exercise will also stimulate the secretion of cytokines and mobilize bone reconstruction units. Especially in sports, under the proper stress, the bones are deformed, and the "bone reconstruction project" of the body begins to start!

11

Exercise makes people smarter.

Studies have found that even low-intensity exercise can have a significant impact on expanding brain capacity and delaying brain aging. Compared with those who walk less than 5,000 steps a day, it reaches 5,000 ~ 7,499 steps, 7,500 ~ 9,999 steps, 10,000 steps or more, which is equivalent to delaying brain aging for 0.45 years, 1.45 years and 1.75 years respectively.

The text is synthesized from Health Times.

END

Transfer from: Healthy Yunnan Action

Source: Traffic Police Brigade of Wenshan Public Security Bureau

Increasing the supply of medical services in various places to alleviate the pressure of seeing a doctor for respiratory diseases.

Cctv news(News Network): Recently, the epidemic periods of respiratory diseases in winter have overlapped in many parts of the country, and the demand for medical treatment of urban and rural residents, especially children, has increased significantly. The National Health and Wellness Commission has deployed various medical institutions at all levels to make overall arrangements for medical resources to facilitate people to seek medical treatment.

Since the beginning of winter, all localities have continuously increased the supply of medical services, improved service processes, and met the medical needs of the masses to the greatest extent. In Beijing, Shanghai, Tianjin and other areas where medical resources are relatively concentrated, daily monitoring is carried out on the data of patients’ diagnosis and treatment within their jurisdiction. Major hospitals have increased consultation rooms, infusion places and patient rest areas, increased inspection windows, shortened the time for reporting medical images, and improved the efficiency of medical treatment. Major hospitals should mobilize qualified medical staff in the whole hospital to support the front line of pediatrics, extend the working hours of outpatient clinics and set up night clinics as needed.

In order to alleviate the problem of difficulty in registration and slow treatment in some large hospitals, all localities have given full play to the role of primary medical and health institutions, and timely released the list of primary medical and health institutions that can provide pediatric services within their jurisdiction, so as to facilitate the people to seek medical treatment in an orderly manner nearby. Dahongmen Community Health Service Center in Fengtai District, Beijing implements fast appointment triage, and children with fever, cough and other symptoms can first issue a laboratory test sheet, and then see a doctor after the results are issued.

In addition to further expanding medical strength, all localities have played the role of close urban medical associations, counterpart support and referral mechanisms, unblocked referral channels, and guided mild children to give priority to primary medical and health institutions.

The departments of health, education and civil affairs in Chongqing, Fujian and Jiangxi have joined forces to strengthen the prevention and control of respiratory diseases in key groups and places such as old-age care institutions and schools.

Source: CCTV