让“夕阳”事业成为“朝阳”产业，兴业银行书写养老金融大文章

Core Viewpoint - The aging population in China is prompting a national strategy to address this issue, leading to a new phase in the development of pension finance, with a focus on creating a multi-tiered pension insurance system [1] Group 1: Pension Finance Development - The Central Committee of the Communist Party of China emphasizes the development of various financial sectors, including pension finance, to support the aging population [1] - Industrial Bank is focusing on three main areas: pension finance, pension service finance, and pension industry finance, aiming to innovate and diversify its product offerings to meet the varied needs of different demographics [1] Group 2: "123+" Pension Wealth Management System - Industrial Bank is building a "123+" pension wealth management system, transitioning from single-function services to a comprehensive financial social security card that facilitates various services [2] - As of September this year, Industrial Bank has issued over 1.85 million social security cards, with a coverage rate of 86% in Fujian Province [2] - The bank is actively involved in government projects to streamline social security services, such as the online application for newborn social security cards [2] Group 3: Third Pillar Development - Since the introduction of the personal pension system, Industrial Bank has been a pioneer in offering personal pension services, serving over 7.5 million personal pension clients and providing a wide range of products [3] - The bank's personal pension product offerings have expanded to 245 products, positioning it among the industry leaders [3] - The "123+" system includes a brand for pension financial services, covering various product lines to enhance residents' pension savings [3] Group 4: Senior-Friendly Banking Initiatives - Industrial Bank has established a dedicated platform for elderly clients, offering a range of services and activities to enhance their quality of life, including health seminars and community dining services [4][5] - The bank has launched a series of educational materials to improve financial literacy and fraud awareness among elderly clients [5] - A total of 85 "Anyu Life" service demonstration branches have been set up nationwide to provide tailored services for senior customers [5] Group 5: Silver Economy and Industry Support - The growing elderly population is creating a significant market for the silver economy, prompting Industrial Bank to enhance its financial support for the pension industry [7] - The bank is actively seeking low-cost loans to support pension enterprises and has adjusted its internal standards to facilitate financing for the sector [7] - In the first three quarters of 2025, the bank has issued 120 loans totaling nearly 1.4 billion yuan in various segments of the pension industry [7][8]