Advances in International Finance
Advances in International Finance. 2025; 7: (2) ; 10.12208/j.aif.20250022 .
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中国建设银行广州番禺支行 广东广州
*通讯作者: 王淼滢,单位:中国建设银行广州番禺支行 广东广州;
随着全球老龄化加剧,中国60岁以上人口占比于2025年突破20%,传统养老模式因响应迟缓、个性化不足,已难以满足爆发式增长的养老需求。本研究立足5G高带宽、低时延、海量连接与大数据智能分析的技术优势,创新性构建“技术-服务-管理”三位一体的融合应用模式。在技术融合层,打造“感知-传输-存储-分析”全链条数据治理体系;服务应用层构建“动态感知-智能决策-精准服务”闭环生态;运营管理层建立多方协同治理机制。通过深圳福田区等典型案例实证,该模式使服务响应效率提升75%,慢性病管理覆盖率提高至92%,养老机构人力成本降低30%。研究成果不仅填补了5G与大数据在智慧养老融合应用的理论空白,更为养老产业数字化升级提供了可复制的实践路径。
With the aging of the world intensifying, the percentage of China's population over 60 years old will break through 20% in 2025, and the traditional elderly care model can hardly meet the exploding elderly care demand due to the delayed response and insufficient personalization. Based on the technological advantages of 5G's high bandwidth, low latency, massive connectivity and big data intelligent analysis, this study innovatively builds a three-in-one convergence application model of “technology-service-management”. In the technology integration layer, it creates a “perception-transmission-storage-analysis” whole chain data governance system; the service application layer builds a “dynamic perception-intelligent decision-making-accurate service” closed-loop ecology; and the operation management layer establishes a multi-party collaborative governance mechanism. Through the empirical evidence of typical cases such as Futian District in Shenzhen, the model has improved the service response efficiency by 75%, increased the coverage rate of chronic disease management to 92%, and reduced the labor cost of senior care institutions by 30%. The research results not only fill the theoretical gap of the integration and application of 5G and big data in smart elderly care, but also provide a replicable practical path for the digital upgrading of the elderly care industry.
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