Xin Lang Cai Jing·2025-08-18 03:11Core Insights - The article emphasizes the importance of developing the silver economy and enhancing pension finance to address the challenges posed by an aging population in China [1][3] - It highlights the strategic actions taken by China Merchants Bank's Jinan branch to innovate in pension finance, aligning with national policies and addressing public needs [4][5] Group 1: Pension Finance Innovation - The "Rich Life, Pension Solutions" event marks a significant step in the bank's strategic response to the aging population, focusing on a comprehensive service model that integrates financial security, quality of life, and spiritual nourishment [4][6] - The event reflects a shift in modern pension needs from mere survival to development, emphasizing the importance of social participation and self-actualization for the elderly [4][6] Group 2: Comprehensive Service Model - The bank's approach includes a unique "TREE asset allocation system" that personalizes pension planning based on individual life cycles, risk preferences, and investment goals, moving from product-centric to configuration-centric services [6][7] - The integration of online and offline services, including the establishment of specialized pension financial outlets and community engagement initiatives, enhances accessibility and warmth in financial services [6][7] Group 3: Long-term Commitment and Expertise - The bank showcases its "four comprehensive" advantages in pension finance: full licensing, a complete product range, multi-channel service, and extensive professional support with over 5,000 pension planners [7] - The initiative aims to create a supportive environment for the elderly, ensuring they have access to resources for a dignified and fulfilling retirement [7][8]