金融监管总局：鼓励开发兼具养老风险保障和财富管理功能的商业保险年金产品

Core Viewpoint - The "Lego New Spring" special event for the 2026 Spring Festival aims to enhance market supply and stimulate consumption, with financial institutions playing a crucial role in this initiative [1][2]. Group 1: Financial Institutions' Role - Financial institutions are key participants in the "Lego New Spring" event, emphasizing the importance of expanding domestic demand and promoting consumption as part of their service to the real economy [1][2]. - The financial regulatory authority encourages financial institutions to optimize resource allocation and innovate financial products and services, focusing on key consumption areas to provide efficient and precise financial services [1][2]. Group 2: Consumer Services - The initiative aims to combine consumption promotion with improving people's livelihoods, particularly addressing the needs of elderly care and health services [1][2]. - There is encouragement for the development of commercial insurance products that integrate retirement risk protection with wealth management, as well as medical insurance tailored for chronic disease patients and the elderly [1][2]. - The promotion of commercial long-term care insurance is a significant focus, alongside optimizing financial service models in cultural tourism, sports, entertainment, and education sectors to stimulate service consumption [1][2].