国民养老：创新业务结构 壮大第三支柱

Core Viewpoint - The commercial pension business, a new pilot initiative for 2023, is rapidly developing, with Guomin Pension Insurance Co., Ltd. emerging as a key player in the market [1][2]. Group 1: Strategic Development Focus - The commercial pension business is a crucial part of the commercial insurance annuity system, aimed at providing comprehensive services such as account management, planning, and risk management for retirement [2]. - Guomin Pension positions its commercial pension business as an innovative financial solution for the public, contributing to the diversification of retirement financial products and addressing the needs of an aging population [2]. - The company emphasizes its commitment to the national strategy for addressing population aging, aligning with upcoming regulatory frameworks that promote the development of commercial pension products [2]. Group 2: Business Performance and Growth - As of the end of 2024, Guomin Pension managed 438,000 commercial pension accounts, with a sales amount of 35.386 billion yuan for the year, both indicators showing over a fivefold increase year-on-year [3]. - The company has adopted a "dual account + product" structure for its commercial pension business, balancing long-term savings with liquidity [4]. - Guomin Pension has established a diverse product system, including liquidity management, fixed income, and mixed products, to meet the varied needs of clients [5]. Group 3: Customer Engagement and Service - The company employs a multi-channel strategy to reach customers, partnering with 21 banks and launching its services across 27 channels, with the highest customer numbers in Guangdong, Jiangsu, and Shanghai [5]. - The "Zhao Qian Sun Li" service brand, launched in March 2024, aims to provide comprehensive retirement planning services, addressing the growing demand for effective wealth management solutions among residents [7][8]. - As of April this year, the "Zhao Qian Sun Li" service has reached over 150,000 users, providing services to nearly 300,000 individuals, and has gained recognition from channel partners [8].