打通财富到幸福的“最后一公里” 平安信托探索养老金融高质量发展新路径

Core Insights - The aging population in China necessitates innovative financial solutions to meet retirement needs and optimize resource allocation, making it a key issue for financial institutions [1] - Ping An Trust's "Super Pension Account" model has been recognized as a leading case in the field of pension finance, showcasing its innovative practices and deep commitment to the sector [1] Group 1: Pension Service Trust Ecosystem - Ping An Trust has developed a new pension service trust ecosystem that integrates "insurance + trust + pension services," addressing the core pain points of "Chinese-style pension" [1] - The ecosystem includes four core functions: fund management, wealth inheritance, direct service payment, and ecological integration, covering comprehensive services such as medical care, health maintenance, and community payments [1] Group 2: Key Features of the Pension Account - The "Super Pension Account" functions as a secure "safety box," effectively isolating clients' pension assets from other personal properties to ensure fund safety and value preservation [2] - It offers a "wealth inheritance" feature that allows clients to set flexible fund distribution rules, ensuring that family assets are managed and passed down according to their wishes [2] - The "direct payment" function simplifies pension consumption by allowing automatic payments for community living fees, care fees, and medical expenses, enhancing convenience for clients [2] - The "full ecological service" feature integrates high-quality resources from within and outside the Ping An Group, providing a one-stop solution covering medical, care, housing, and financial needs throughout the life cycle [2] Group 3: Market Performance and Future Outlook - Since 2025, Ping An's insurance trust business has shown strong growth, with an average of one new insurance trust client every 36 minutes and a daily increase of over 135 million yuan, achieving a year-on-year asset management growth of over 20% [3] - The current asset management scale of Ping An's "Hongfu" insurance trust is nearly 180 billion yuan, holding a market share of nearly 40%, and serving over 48,000 clients, maintaining industry leadership [3] - Over 90% of clients establishing insurance trusts include "retirement living funds" as a core clause, indicating a deep recognition of the trust concept [3] - Ping An Trust aims to further enhance its full lifecycle pension service ecosystem by integrating more quality medical and pension resources, optimizing its product system, and improving customer experience [3]