个人养老金赛道竞逐加剧 中国银行以“全景生态”谋篇布局

Core Insights - The personal pension system in China is gaining attention as the aging population increases, with commercial banks playing a crucial role in enhancing service quality and activating the market [2][9] - China Bank is shifting its approach from a product-oriented to a demand-oriented service model, focusing on customer needs and comprehensive support [2][8] Market Situation - There is a phenomenon of "hot account openings but cold contributions" in the personal pension market, attributed to a lack of understanding of policies, limited tax benefits, market volatility, and concerns from younger individuals about long-term fund locking [2][3] - Public awareness and willingness to participate in the personal pension system are gradually improving, with significant positive effects on supplementary retirement savings [3] Product and Service Development - China Bank is expanding its range of personal pension products, currently offering the most diverse selection among major commercial banks, with 276 products available by mid-2025 [7][10] - The bank is implementing an automatic contribution feature and enhancing professional investment consulting services to encourage continuous contributions and develop saving habits [4][11] Investment Strategy - The core advantages of personal pension accounts include tax benefits, exclusivity, long-term nature, and autonomy, which help customers develop saving habits and ensure financial security for retirement [6][9] - China Bank is constructing a "pyramid" product system to balance risk and return, encouraging clients to invest long-term with a focus on stable returns [5][11] Customer Engagement - The bank is committed to providing a comprehensive service ecosystem that includes retirement planning, asset allocation, and lifestyle support, catering to various customer needs throughout their life stages [10][12] - A focus on financial education and community engagement is being emphasized to protect the rights of elderly financial consumers and promote rational investment practices [12]