“综合金融+医疗养老”生态闭环:中国平安的长期主义与行业启示

哈佛商业评论
Nov 10, 2025

2.2亿65岁及以上老年人口构成的银发浪潮(据民政部及国家统计局联合发布的2024年底人口统计数据)正推动中国养老产业结构性矛盾日益凸显。随着老年群体对“支付有保障、服务无断层、医疗可及达”的需求愈发迫切,养老行业深陷双重困局:一是支付、服务、保障体系割裂:支付端个人储备不足,退休群体大多依赖基本养老金,难以覆盖品质养老成本;服务端呈现碎片化与两极分化,低端市场聚焦基础照料,缺失专业医疗支撑,常见...

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