养老理财产品试点地区扩大至全国

Core Viewpoint - The National Financial Regulatory Administration has issued a notice to promote the healthy development of pension financial products, aiming to provide high-quality and diverse financial services for the elderly population and support the high-quality development of the silver economy [1][2]. Group 1: Expansion of Pension Financial Products - The pilot areas for pension financial products will be expanded nationwide, with a trial period of three years [2]. - The pilot institutions will include wealth management companies that have been in operation for over three years and meet prudent management conditions [2]. - 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 [2]. Group 2: Product Design and Services - The notice emphasizes the combination of investing in physical assets and human capital, supporting wealth management companies to invest in long-term quality assets that match pension characteristics [2]. - Companies are encouraged to enhance the design of pension financial products and diversify service offerings, including pension financial accounts and advisory services [2]. Group 3: Risk Management and Compliance - Wealth management companies are required to strengthen their risk prevention responsibilities, improve product information disclosure, and enhance investor experience [3]. - A prudent investment strategy should be maintained, and a risk resolution mechanism should be established to ensure stable product operation [3]. - Information disclosure and data exchange for pension financial products will be managed through the banking industry’s wealth management registration and custody center [3].