32.5岁的深圳“未老先备”，农行深圳分行作答养老金融大文章

Core Insights - Shenzhen, a young city with an average resident age of 32.5, is proactively preparing for an aging population by implementing a comprehensive pension finance strategy [1] - The Agricultural Bank of China Shenzhen Branch has made significant strides in pension finance, with a focus on pension financial services, pension service finance, and pension industry finance [1][6] Pension Financial Services - The Agricultural Bank of China Shenzhen Branch has opened 4.34 million personal pension accounts with a total deposit of 4.136 billion yuan as of September [1] - The bank has established 12 "social security and banking special windows" in collaboration with the Shenzhen Human Resources and Social Security Bureau to facilitate social security card applications [3] - The bank's enterprise annuity services have gained recognition due to their experience, scale, performance, risk control, and service quality [3] Pension Service Finance - The bank aims to provide high-quality financial services by diversifying product offerings and enhancing customer experience [4] - New products include the "Nongqing Yiyangbao," which combines monthly dividend financial products, redeemable funds, and insurance to meet the daily consumption needs of elderly clients [4] - The bank is also enhancing its service channels by renovating physical branches for elderly accessibility and improving online services [5] Pension Industry Finance - The Agricultural Bank of China Shenzhen Branch reported a pension industry loan balance of approximately 390 million yuan, with a year-on-year growth rate of 468%, leading among major banks [6] - The bank focuses on providing tailored financial services to key sectors within the pension industry, including social elderly care and medical enterprises [7] - The bank is expanding its financing channels by collaborating with various financial institutions and government funds to support quality enterprises in the pension industry [8] Collaborative Ecosystem - The bank is building a pension finance ecosystem by enhancing internal collaboration across various departments to provide integrated services [9] - The bank positions itself as a "financial partner" and "resource connector" for the pension industry, offering not only financial support but also strategic advisory services [10]