2025年服贸会|释放养老金融潜力，金融机构勾勒哪些“享老”图景？

Core Viewpoint - The 2025 China International Service Trade Fair (CIFTIS) highlighted the role of financial services in empowering the real economy, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [1] Group 1: Pension Finance - Pension finance is a crucial component of the financial service system, addressing aging populations and supporting the silver economy, with significant market potential [3] - The current pension system in China operates on a "three-pillar" model: the first pillar is government-led basic pension insurance, the second pillar is enterprise-led occupational annuities, and the third pillar is individual voluntary pensions [4] - Insurance companies are actively developing all three pillars, showcasing their investment management services for basic pension funds and expanding their enterprise and individual pension offerings [4][5] Group 2: Product Innovation and Demand - Recent innovations in pension insurance products have diversified to meet various retirement needs, moving beyond traditional annuities to include multiple product forms such as participating annuities and universal life products [4] - Insurance companies are adjusting underwriting rules to accommodate older clients, offering flexible payout options to create sustainable cash flow for consumers [5] Group 3: Integration of Financial and Service Sectors - Pension finance should extend beyond product sales to actively participate in building and operating the pension service system, as demonstrated by various financial institutions [6] - Initiatives include establishing large-scale health and pension funds and creating multi-level pension service systems that integrate community and home care [6] Group 4: Aging-Friendly Innovations - Financial institutions are prioritizing aging-friendly innovations, such as video banking and voice recognition technology, to enhance service accessibility for elderly clients [7] - The push for aging-friendly modifications is evident in various institutions, including the comprehensive renovation of service points to better serve older customers [7] Group 5: Expert Recommendations for Development - Experts emphasize the importance of a robust pension financial service system for the high-quality development of the silver economy, advocating for improvements in policy, product, and regulatory frameworks [8] - Calls for optimizing the structure of pension services and financial resources to support both market-driven and policy-based pension solutions have been made [9]