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"That will need to be paid off at some point," says Quilter Cheviot's Ben Barringer. "Having more debt means you've got more burden, and that means you've got less to spend on content."
截至2024年底，中国60周岁及以上人口已突破3.1亿，占总人口比重达22% [37]。进入2026年，这一数字将持续攀升，推动银发经济规模迈向12万亿元人民币的大关 [37]。这一领域不仅是国家政策支持的“国补”重点，更是普通人创业与择业的高确定性赛道 [37, 38]。