Nan Fang Du Shi Bao·2025-12-28 23:09Core Insights - The personal pension system in China has been implemented nationwide for one year, with the Industrial and Commercial Bank of China (ICBC) in Guangdong positioning its pension services as a key national strategy initiative [1] - ICBC has successfully attracted nearly 4 million customers in Guangdong to open personal pension accounts, with over 30% of clients aged 30 to 40, indicating a growing awareness of retirement planning among younger demographics [1] - The bank's innovative "Yuexiang Yinian" smart pension planning tool integrates local data to provide personalized solutions, significantly lowering the barriers to pension planning [2] Customer Engagement and Services - ICBC has launched the "Sensible Investment" service for corporate employees, providing automatic contributions and investments for over 100,000 employees in Guangdong [3] - The bank has conducted over 20,000 educational activities on pension finance, reaching more than 10 million customers, and offers specialized services for cross-border workers in the Guangdong-Hong Kong-Macao Greater Bay Area [3] - The bank emphasizes a balanced wealth philosophy, promoting rational consumption and future savings through in-depth customer interactions [3] Future Outlook - ICBC plans to deepen ecological integration by linking the "Yuexiang Yinian" tool with health management and pension services, transitioning from financial solutions to comprehensive service offerings [5] - The bank aims to enhance technological leadership by exploring AI applications in asset rebalancing and personalized product recommendations [5] - ICBC is committed to leveraging its global advantages to promote mutual recognition of pension financial products and services in the Greater Bay Area, contributing to a high-quality living environment [5]