中国人民银行山东省分行等11部门联合印发《山东省金融服务养老事业和银发经济工作方案》

Core Insights - The People's Bank of China Shandong Branch, in collaboration with 11 departments, has issued a work plan to enhance financial services for the elderly and promote the silver economy in Shandong Province [1][2]. Group 1: Key Initiatives - The work plan outlines 15 key tasks across five areas: innovation in pension financial products and services, increased investment support for the elderly industry, enhancement of the pension insurance system, improvement of financial services for elderly care, and establishment of a long-term mechanism for pension finance development [2]. - Financial institutions are encouraged to innovate products tailored to different elderly demographics and to provide comprehensive financial services [2]. - The plan emphasizes the need for financial institutions to support the financing of industries related to elderly products, smart health care, rehabilitation aids, anti-aging, and senior tourism [2]. Group 2: Regional Focus and Financial Support - Cities with a high proportion of elderly populations, such as Weihai, Yantai, Zibo, Rizhao, and Binzhou, are encouraged to develop innovative financing service models to lead in the development of the elderly industry [2]. - The government will leverage guiding funds to stimulate the silver economy and support enterprises in the elderly and pharmaceutical sectors through various financing methods, including public listings and bond issuance [2]. - As of April 2025, the loan balance for the elderly industry in Shandong Province reached 14.25 billion, reflecting a year-on-year growth of 24.8%, significantly outpacing the overall loan growth rate by 15.2 percentage points [3].