助力老有所养，金融大有可为

Group 1 - The core viewpoint emphasizes the importance of developing pension finance as a strategic response to the aging population, highlighting the need for financial institutions to innovate and enhance service capabilities to tap into the trillion-level market created by over 300 million elderly people [1][3] - The number of personal pension products has exceeded 1,100, and long-term care insurance now covers nearly 190 million people, indicating a growing focus on providing financial security for the elderly [1] - The government has initiated policies to support the pension sector, including 500 billion yuan in service consumption and pension refinancing, aimed at directing financial resources towards the elderly care industry [1] Group 2 - Despite the increasing variety of pension products and services, there remains a significant gap in meeting diverse and multi-layered pension needs, necessitating efforts to enhance product diversity tailored to different demographics [2] - Financial institutions are encouraged to improve accessibility to pension financial services, particularly in rural areas, by designing affordable and user-friendly pension products [2] - The complexity of some pension financial products has led to low participation rates among the elderly, highlighting the need for simplified product designs and improved service experiences [2] Group 3 - Recent policies addressing population aging have been introduced at both national and local levels, urging financial institutions to align closely with these policies to leverage benefits and enhance the security and stability of their products and services [3] - The financial sector is viewed as a crucial tool for supporting the elderly, with a call for a people-centered approach that aligns financial services with the improvement of public welfare [3]