从广场舞到跨境养老：广发银行养老金融的“场景突围”

Core Viewpoint - The aging population in China, with over 22% aged 60 and above, necessitates the development of pension finance as a core strategy for addressing aging issues and transforming financial services from traditional credit to ecological and scenario-based models [1][2] Group 1: Pension Finance Development - CITIC Securities emphasizes that pension finance is crucial for the national strategy to cope with aging and serves as a key testing ground for financial institutions transitioning to ecological and scenario-based services [1] - Guangfa Bank, leveraging the "333 strategy" of China Life Group, has prioritized pension finance as a key project, aiming to extend financial services from asset allocation to spiritual companionship [1] Group 2: Cross-Border Pension Services - Guangfa Bank has launched a social security card service in the Guangdong-Hong Kong-Macao Greater Bay Area, facilitating cross-border living for residents, which aligns with the trend of "soft and hard connectivity" in the region [1][2] - The bank is in discussions with the Guangdong Provincial Human Resources Department to extend social security services to Hong Kong and Macao residents, allowing them to manage insurance without leaving their homes [2] - The bank's cross-border pension initiatives have already resulted in a total insurance coverage of 272 million HKD, showcasing a successful model for integrated pension finance development in the Greater Bay Area [2]