福建金融监管局：推动养老金融提质增效 赋能银发经济发展

Core Viewpoint - The Fujian Financial Regulatory Bureau is actively promoting the development of pension finance to support the high-quality growth of the silver economy, with significant progress in expanding pension financial services and innovative product offerings [1][2]. Group 1: Expansion of Pension Financial Services - As of the end of Q1 this year, the number of personal pension accounts reached 5.274 million, with pension annuity insurance covering 763,000 individuals [1]. - The balance of loans for the elderly care industry stands at 4 billion, while insurance institutions have directly invested 2.29 billion to support pension service projects [1][2]. - Long-term care insurance has benefited 2.16 million people, effectively reducing the burden on families of 14,000 disabled individuals [2]. Group 2: Policy Guidance and Multi-layered Pension Financial System - The Fujian Financial Regulatory Bureau has issued guidelines to promote high-quality development in pension finance, encompassing pension financial planning, pension industry finance, and pension service finance [1]. - Local governments are responding positively, with cities like Zhangzhou and Longyan implementing supportive measures for the elderly care industry [1]. Group 3: Innovation in Pension Financial Products - The Fujian Financial Regulatory Bureau is driving innovation in pension financial products, guiding insurance companies to complete over 11,000 tax-deferred pension insurance and personal pension connections [3]. - Banks in the region have issued loans totaling 1.38 billion to support eight key enterprises in the pension product promotion directory [3]. Group 4: Service Model Innovation - Banks are encouraged to innovate service models, providing comprehensive financial services tailored to government, enterprises, and individuals [5]. - The Construction Bank in Sanming has developed a "smart elderly care" information platform to enhance service efficiency [5]. Group 5: Diverse Service Offerings for the Elderly - Insurance institutions are exploring "insurance + institutional elderly care" service models, with investments like TaiKang Insurance's 1.1 billion project to build high-end elderly care communities [6]. - Various insurance companies are offering home care modifications and travel elderly care services to improve the quality of life for seniors [6]. Group 6: Health Insurance and Financial Education - The Fujian Financial Regulatory Bureau is collaborating with multiple departments to enhance customized medical insurance coverage for over 3.1 million people, including 1.14 million seniors [8]. - The region has achieved a 95% rate of age-friendly modifications in banking and insurance outlets, with over 2,300 professionals certified in pension financial planning [8][10].