从“账户管家“到“终身伙伴”：商业银行的养老金融新角色

Core Viewpoint - The aging population in China, with over 300 million individuals aged 60 and above, is reshaping the pension finance landscape, transitioning from personal wealth management to a critical social and economic issue [1][2] Group 1: Evolution of Pension Finance Services - The role of commercial banks in pension finance is evolving from being mere "account managers" to becoming "lifetime partners" that provide comprehensive services throughout the entire life cycle [9][10] - Early on, commercial banks primarily focused on basic fund management, meeting the limited financial needs of the elderly, which were mainly centered around the security and accessibility of funds [5][6][7] - As the pension security system matures, banks are expanding their services to encompass the three pillars of pension finance: basic pension insurance, enterprise annuities, and personal pensions [7][8] Group 2: Case Study of Industrial Bank - Industrial Bank has been a pioneer in the pension finance sector, launching its "Anyu Life" brand in 2012 and developing a comprehensive pension finance system over the past decade [3][8] - The bank collaborates with social security departments across 22 provinces, issuing over 1.86 million financial social security cards, and manages 5.8 billion yuan in pension funds through various annuity services [8] - By offering a full range of personal pension services through multiple channels, Industrial Bank has opened over 7.6 million personal pension accounts and provides a diverse array of pension products [8] Group 3: Transition to Comprehensive Services - The shift from "account manager" to "lifetime partner" reflects a need for banks to address the diverse and evolving financial needs of clients, including health management and wealth transfer [10][11] - The new service model emphasizes proactive engagement with clients, offering personalized financial planning and integrating financial and non-financial services [11][12] - Industrial Bank has developed a "hexagonal" service system that includes a smart pension account, wealth management strategies, and a network of age-friendly service points [13] Group 4: Implications for the Industry - The transformation of commercial banks' roles in pension finance is a necessary response to the demands of an aging population, aiming to alleviate the pressure on basic pension insurance and promote high-quality development of the silver economy [14] - As the industry continues to innovate, the concept of "lifetime partner" will evolve, positioning pension finance as a vital support system for addressing the challenges of an aging society [14]