Core Viewpoint - The article emphasizes the importance of financial support in ensuring a secure and comfortable retirement for the aging population in China, highlighting the proactive measures taken by the Bank of China to provide comprehensive financial services for all age groups in the context of an aging society [1]. Group 1: Financial Services for Retirement Planning - The Bank of China offers a user-friendly mobile banking app that allows users to plan their retirement by calculating their expected retirement benefits and financial needs, particularly targeting younger generations to encourage early planning [2]. - The bank's services focus on a holistic approach to retirement planning, integrating financial services throughout the customer’s life cycle, from preparation to retirement [2]. Group 2: Product Development and Offerings - Since the introduction of the personal pension system pilot in 2022, the Bank of China has expanded its pension product offerings to 262, including savings, investment products, and insurance, positioning itself as a leader in the industry [3]. - The bank has launched 34 new pension-related financial products in 2024, with a total management scale of 42.54 billion yuan, demonstrating its commitment to meeting diverse customer needs [3]. Group 3: Multi-Pillar Pension System Support - The Bank of China plays a significant role in the multi-tiered pension system, with substantial figures such as 124 million valid social security cards and 2.59 billion yuan in entrusted pension funds, showcasing its extensive reach and capability in managing pension assets [4]. Group 4: Enhancing Customer Experience - The Bank of China has implemented various initiatives to improve both online and offline services for elderly customers, ensuring accessibility and comfort through facility upgrades and personalized service [5][6]. - The bank has established over 10,000 service points that meet elderly service standards, ensuring a high level of care and support for senior clients [6]. Group 5: Digital Adaptation for Elderly Clients - A specialized "senior version" of the mobile banking app has been developed to cater to the needs of elderly users, featuring larger text and simplified navigation to enhance usability [7]. - The bank continues to innovate its "accompanying pension finance" service system, focusing on the unique needs of different age groups and ensuring that financial services are accessible and user-friendly [7].
从“备老”到“养老”！陪伴式养老金融服务的中行探索