国家金融监督管理总局：养老理财产品试点地区扩大至全国

Core Viewpoint - The National Financial Supervision Administration has announced the expansion of pilot areas for pension financial products to nationwide, aiming to promote the sustainable and healthy development of pension finance [1][2]. Group 1: Expansion of Pilot Areas - The pilot areas for pension financial products will be expanded to the entire country, with a trial period of three years [1]. - Eligible institutions for the pilot must have been in operation for at least three years and meet prudent management conditions [1]. - The pilot quota will be increased to five times the net capital of each pilot institution after deducting risk capital from the previous year's end balance, with adjustments based on prudent regulatory principles [1]. Group 2: Product Design and Services - The notification emphasizes the combination of investing in physical assets and human capital, supporting long-term quality assets that match pension characteristics [2]. - Financial companies are encouraged to enhance the design of pension financial products and diversify service offerings, including pension financial accounts and advisory services [2]. - The aim is to balance economic benefits with social benefits while considering the risk-return characteristics of the invested assets and investors' risk preferences [2]. Group 3: Risk Management and Compliance - Financial companies are required to strengthen their risk prevention responsibilities, improve product information disclosure, and enhance investor experience [2]. - A prudent investment strategy must be maintained, and a risk resolution mechanism should be established to ensure stable product operation [2]. - Information disclosure and data exchange for pension financial products should be conducted through the banking industry’s financial registration and custody center [2]. Group 4: Future Guidance - The National Financial Supervision Administration will enhance supervision and guidance to ensure the implementation of the notification, aiming to meet diverse pension needs and support the high-quality development of the silver economy [2].