Zheng Quan Shi Bao·2025-05-19 17:50Core Insights - The article emphasizes the importance of the banking sector, particularly the Bank of Communications (BoCom), in supporting the national strategy for addressing population aging and enhancing economic stability [2][3][4]. Group 1: Loan Growth and Asset Structure - In 2024, BoCom reported significant loan growth in key sectors: manufacturing long-term loans increased by 11.9%, strategic emerging industries by 9.1%, inclusive finance by 29.1%, and green finance by 8.6%, all surpassing the average loan growth rate [2]. - The bank's asset structure continues to improve, reflecting its commitment to national strategic directions and addressing weak links in the economy [2]. Group 2: Pension Finance Development - BoCom has established a comprehensive pension finance ecosystem, focusing on various aspects such as pension fund management, pension wealth finance, and elderly-friendly financial services, positioning itself as a leader in the aging economy [2][4]. - The bank's pension finance department aims to create a "friendly bank for the elderly" by 2027, with a clear strategy and a comprehensive service system [5][6]. Group 3: Collaborative Efforts and Technological Empowerment - BoCom collaborates with government bodies and social organizations to enhance the pension finance ecosystem, including partnerships for regulatory compliance and community services [7]. - The bank leverages financial technology to improve security, innovate financial products, and bridge the digital divide for the elderly, ensuring their access to financial services [8]. Group 4: Future Trends in Pension Finance - The future of pension finance is expected to focus on three main trends: the democratization of pension wealth management, the contextualization of financial services, and the digitization of service models [10]. - As the elderly population's wealth accumulates, there will be a growing demand for customized financial services that cater to their specific needs and preferences [10][11].