银发浪潮下的金融答卷：一种不断生长的力量｜五篇大文章调研行

Core Viewpoint - The aging population presents both challenges and opportunities, with the financial industry playing a crucial role in developing innovative pension financial services to support the elderly [2] Group 1: Aging Population and Financial Services - The central financial work conference in 2023 included "pension finance" as one of the key topics, highlighting its importance in addressing the needs of the aging population [2] - Commercial banks are tasked with leveraging their resources to provide supportive services for the elderly, marking a new area of exploration [2] Group 2: Enhancing Elderly Services - The Chengdu Qingyang branch of Industrial Bank has undergone comprehensive renovations to create an elderly-friendly environment, including features like non-slip flooring and emergency alert systems [3] - The branch offers personalized services for elderly clients, ensuring they receive assistance without long wait times [3] - Industrial Bank has launched a "big font version" of its mobile banking app and established a green channel for elderly customers to bridge the digital divide [3] Group 3: Innovative Financial Products - Industrial Bank introduced the first "loan linked to the usage rate of elderly care beds," allowing for interest rate reductions based on occupancy rates, benefiting both financial needs and social outcomes [4] Group 4: Community Engagement and Learning - The Chengdu Qingyang branch supports a senior university, providing various courses and activities that engage the elderly community, with the capacity to serve up to 9,000 participants annually [5] - The bank has established "An Yu Learning Hall" in 122 branches, offering diverse classes that cater to the interests of elderly clients [5] Group 5: Expanding Financial Services - Industrial Bank has created the "Silver Talent Reception Hall" to connect retired professionals with societal needs, fostering opportunities for the elderly to contribute their expertise [6] - The bank has been conducting "Respect for the Elderly Month" activities for 11 consecutive years, promoting community engagement and support for the elderly [6] Group 6: Social Security Card Services - The bank has implemented a "face recognition payment" system linked to social security cards, enhancing convenience for elderly customers in dining and other services [7] - As of September 2025, the bank has issued over 1.86 million social security cards across 22 provinces, establishing 173 convenient service points [8] Group 7: Strategic Development in Pension Finance - Since 2012, Industrial Bank has developed a comprehensive pension financial service system, including pension accounts for over 7.6 million individuals by October 2025 [9] - The bank aims to enhance its pension finance services through a "365" action plan, focusing on three main areas: pension finance, elderly service finance, and elderly industry finance [10] - By October 2025, the bank served 29 million clients aged 50 and above, managing over 2 trillion yuan in financial assets [10]