Xin Lang Cai Jing·2025-11-26 11:13Core Viewpoint - The aging population in China is a fundamental national condition that must be addressed in the journey towards modernizing the country, making the development of pension finance a crucial strategic deployment and mission for financial institutions [1] Group 1: Development of Pension Financial Services - China CITIC Bank has been a pioneer in the pension finance sector, launching the first dedicated debit card for seniors in 2009 and establishing a strategic partnership with the China Aging Association in 2019 [2] - The "Happiness+" pension financial service system was introduced in 2022, featuring a comprehensive support structure that includes a one-stop pension planning service platform and a dedicated team of pension financial planners [2] - In 2023, the bank introduced the "Three Steps and Four Phases" financial planning methodology for all life stages and hosted the first pension finance forum, with its achievements recognized as exemplary cases in service trade [2] Group 2: Addressing Market Needs - The new generation of retirees has a dual demand for wealth "stable appreciation" and "effective inheritance," indicating a gap in market services that China CITIC Bank aims to fill through technology-driven solutions [3] - The "Happiness+" pension ledger was launched to address the challenges faced by elderly clients in managing their pension assets, with over 7.4 million users served [3] - The upgraded "Pension Ledger 3.0 Enjoy Old Version" helps elderly clients plan their daily expenses and manage health and quality of life, providing comprehensive support for pension planning [3] Group 3: Research and Knowledge Dissemination - China CITIC Bank has enhanced its educational offerings by collaborating with the China Aging Science Research Center to produce a pension finance knowledge handbook for elderly clients, focusing on safety, quality of life, and intergenerational wealth transfer [4] - The bank has published the "China Residents' Pension Wealth Management Development Report" for four consecutive years, analyzing industry opportunities and drawing on international experiences [4] Group 4: Professional Service Team - Since 2022, China CITIC Bank has trained over 2,000 pension financial planners in collaboration with Tsinghua University, establishing standardized service processes for pension planning [6] - The "Social Security+" and "Health Insurance+" plans are designed to provide clients with stable cash flow and health protection, addressing financial risks associated with longevity and health issues [6] - The bank aims to deepen its pension financial service system, contributing to a higher quality and more sustainable future for China's pension industry [6]