近期，A股市场整体表现强势，主要指数均实现显著上涨，为基金业绩提升提供了有利环境。截至2025年8月20日，信达澳亚基金旗下多只 产品近一年业绩全线爆发。据官网数据显示，公司旗下41只产品（各类份额合并计算）近一年回报率超过30%，其中34只产品涨幅超 50%，25只产品涨超70%，更涌现出6只翻倍基 （ 数据来源：公司官网，截至日期：2025年8月20日，业绩经托管行复核 ） 。 从产品类型来看，涨幅居前的基金 均为 主动 产品 ，覆盖 行业主题、量化策略、养老目标基金等多种 细分 类型，彰显出信达澳亚基 金"权益+多元策略"全面布局、"主动+量化"双轮驱动的投研实力。 | 序号 | 基金代码 | 基金简称 | 近1年回报(%) | 序号 | 基金代码 | 基金简称 | 近1年回报(%) | | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | 016370. OF | 信澳业绩驱动 A | 149. 64 | 22 | 009511. OF | 信澳研究优选 A | 72. 24 | | 2 | 011188. OF | 信澳星奕 A | 118. ...

活动背景 2025年是"十四五"规划收官之年，也是为"十五五"良好开局打牢基础的关键之年。自中央金融 工作会议提出金融强国目标，并提出做好金融五篇大文章后，金融监管部门陆续出台多个文 件，着力推动金融机构从多个角度支持"五篇大文章"的落实。2025年3月，国办发布《关于做 好金融"五篇大文章"的指导意见》，要求到2027年，金融"五篇大文章"发展取得显著成效。 银行业是金融体系的核心组成部分。《清华金融评论》一直以来重视并持续跟踪银行业发展 趋势，持续通过封面专题、"银行与保险""银行家论道"等栏目，长期跟踪行业发展热点。自 2021年起，连续发布"中国银行业排行榜200强"及研究报告深入分析银行业发展趋势，通过举 办"银行家论道"研讨会、颁发"《清华金融评论》·紫荆奖""中国银行业创新发展优秀案例奖"等 多元形式，展示商业银行实践风采。 2025"银行家论道"研讨会暨中国银行业排行榜200强发布会 将于 8月28日 在 北京 举办，会议主题 为 "拥抱AI技术变革，服务实体经济——以金融提质增效助力经济高质量发展" ，届时将邀请行 业资深专家和各银行机构嘉宾代表进行交流分享，聚焦银行发展和科技变革，探讨最前 ...

Core Viewpoint - Changjiang Pension Insurance Co., Ltd. has been recognized for its excellence in the pension finance sector, winning the "2025 Financial 'Five Great Articles' Outstanding Practice Institution" award and the "2025 Outstanding Pension Product" award for its "Changjiang Golden Shared Wealth Enterprise Annuity Collective Plan" [1][6] Group 1: Company Achievements - Changjiang Pension has managed assets exceeding 1.34 trillion yuan, generating a total investment return of 340 billion yuan for clients as of the end of 2024 [3] - The company has integrated ESG principles into its investment decision-making and operational management, with green financial assets exceeding 55 billion yuan by the end of 2024 [3] Group 2: Product Innovation - The "Golden Shared Wealth Enterprise Annuity Collective Plan" addresses high entry barriers and costs for small and medium-sized enterprises, effectively reducing management costs through collective operations [6] - This plan features an innovative floating fee rate mechanism that aligns the interests of managers, enterprises, and employees, enhancing the sense of gain for participating companies and employees [6] - The plan has achieved a cumulative return rate of 11.53% over three years, significantly surpassing the industry average return rate of 7.82% [6] Group 3: Service Enhancement - Changjiang Pension has developed the "Zhuoer e+" smart pension service platform, integrating online services, physical counters, personal WeChat, and mini-programs to provide a convenient one-stop service experience [4] Group 4: Social Responsibility - The company launched the first "Changjiang Pension Cup" university student pension finance simulation investment competition to promote scientific pension planning among the younger generation [7] - The competition encourages participants to engage in responsible investment practices, emphasizing risk control, asset allocation, and the importance of ESG considerations [7]

其次，当前个人养老金制度已起步，但政策吸引力与参与度仍不高。要释放制度潜力，金融业应打造跨 场景融合的综合性养老金融方案，将金融与健康管理、家庭理财、长期护理等场景融合。同时，亟须强 化公众教育与陪伴机制，帮助居民树立科学的养老规划意识。这不仅是产品设计问题，更关乎信任建立 与长期行为的引导。 专题：《金融新启航》丨养老金融透视镜 作为中央金融工作会议提出的 " 五篇大文章 " 之一，养老金融被赋予了国家战略层面的重要 使命，承载着推动社会高质量发展的关键职责。新浪财经 2025 年度策划《金融新启航》推出 《养老金融透视镜》系列访谈栏目，深度对话金融机构高管、专家学者，共谋行业发展之 道。 养老金融作为金融领域的重要分支，不仅是落实国家积极应对人口老龄化战略的关键一环，对金融行业 的多元化发展，以及金融机构拓展业务边界都具有深远意义。本期《金融新启航·养老金融透视镜》对 话北京大学汇丰商学院长聘副教授、汇丰金融研究院副院长马琳琳，就老龄化对金融业的新要求、国外 养老模式借鉴、机构未来发力方向等话题展开深入探讨。 马琳琳表示，人口老龄化的实质，是对金融体系提出了"期限重构"的系统挑战与结构性机遇。她强调， 我 ...

Core Insights - The article highlights the transformation of elderly care services in China, driven by financial institutions like Guangfa Bank, which are integrating financial services into community settings to enhance the quality of life for seniors [1][2][3] Group 1: Service Ecosystem - Guangfa Bank has introduced a financial service program for senior citizens, utilizing social security cards and a discount payment system at community dining halls, aiming to alleviate the challenges faced by elderly individuals living alone [2][3] - The bank plans to expand its "dining hall financial service project" to multiple cities, enhancing convenience for seniors with a nationwide usage model [2] - Under the "Self-Directed Life" brand, Guangfa Bank has added 35 new services, including home care and medical accompaniment, to create a comprehensive service ecosystem for the elderly [3][4] Group 2: Cross-Border Services - In the Guangdong-Hong Kong-Macao Greater Bay Area, Guangfa Bank is developing a unique rights system for cross-border elderly care services, facilitating access to transportation, tourism, dining, and medical services for residents [3][4] - The bank is working with the Guangdong Provincial Human Resources and Social Security Department to extend social security services to Hong Kong and Macao, allowing residents to manage their insurance needs remotely [4] Group 3: Industrial Finance - Guangfa Bank is actively supporting innovative enterprises in the elderly care sector, providing significant financing to companies like Lizi Intelligent Technology, which focuses on AI rehabilitation equipment [5][6] - The bank has established a specialized credit system tailored to the characteristics of the elderly care industry, enhancing efficiency in the approval process for financing [6][7] Group 4: Technological Empowerment - Guangfa Bank has launched a digital health management platform in a Shenzhen nursing home, significantly improving operational efficiency and service delivery through technology [8][9] - The platform digitizes the entire care process for elderly residents, enabling better communication and management of health data between caregivers and family members [9]

去年以来，深圳证券、基金、期货等行业机构在深圳证监局指导下，积极践行金融"五篇大文章"：以科 技金融助力新质生产力"破茧成蝶"，以绿色金融护航"双碳"工作行稳致远，以普惠金融呵护中小微企业 茁壮成长，以养老金融织密多层次养老"保障网"，以数字金融提升金融服务质效，为资本市场服务深圳 经济高质量发展提供了鲜活的样本。 来自深圳证监局数据显示，科技金融方面，2024年以来，深圳券商承销科创债超3500亿元。中国证券业 协会的统计数据显示，在科技创新债券承销领域，上半年中信证券以711.01亿元的承销金额位居首位， 承销家数达46.73家。此外，辖区公募基金公司发行科技主题基金近300亿元。 深圳商报记者 陈燕青 做好科技金融、绿色金融、普惠金融、养老金融、数字金融，是当前我国金融服务实体经济高质量发展 的重要着力点。金融"五篇大文章"不仅为行业带来业务增量，更推动其从传统通道业务向综合金融服务 转型，成为实体经济高质量发展的"助推器"。 绿色金融方面，2024年以来，深圳辖区券商承销绿色债超700亿元。今年4月7日，深圳证监局联合中国 人民银行深圳市分行、深圳市发展改革委等六部门发布《关于统筹做好深圳绿色金融大文 ...

Key Points Summary Group 1: Norwegian GPFG's Investment Actions - Norwegian Government Pension Fund Global (GPFG) has decided to divest from 11 Israeli companies that are not included in the Ministry of Finance's stock benchmark index, following a review by Norges Bank Investment Management (NBIM) [1][5][6] - As of mid-2025, GPFG held shares in 61 Israeli companies, with the divestment aimed at adhering to ethical investment guidelines due to concerns over business activities in the West Bank [1][5][6] - GPFG's total assets decreased from 19.74 trillion Norwegian Krone to 19.59 trillion Norwegian Krone, approximately 1.94 trillion USD, primarily due to significant foreign exchange losses [9][10] Group 2: U.S. Labor Department's Policy Changes - The U.S. Department of Labor (DOL) has officially rescinded the Biden administration's restrictions on alternative investments in 401(k) plans, allowing for greater inclusion of private equity [2][6][7] - This policy shift marks a significant change from previous guidance that questioned the suitability of private investments for retirement plans, reflecting a more favorable stance towards alternative investments [2][6][7] Group 3: GPFG's Performance Metrics - GPFG reported a 5.7% return for the first half of 2025, slightly underperforming its benchmark by 0.05 percentage points [3][11] - The fund's asset allocation as of June 30, 2025, was 70.6% in equities and 27.1% in fixed income, with a slight underweight in equities compared to the benchmark [10][11] - The fund experienced significant foreign exchange losses amounting to 1.01 trillion Norwegian Krone, primarily due to the appreciation of the Norwegian Krone against the U.S. dollar [9][11] Group 4: Global Pension Fund Trends - The UK Local Government Pension Scheme (LGPS) is undergoing significant consolidation, with seven funds initiating exclusive negotiations with Border to Coast for a new partnership [15] - British Columbia Investment Management Corporation (BCI) is considering selling 2 billion USD in private equity assets to rebalance its investment portfolio [16] - Saudi Arabia's Public Investment Fund (PIF) reported an 80 billion USD impairment on large projects, reflecting challenges in diversifying its economy amid low oil prices [17][19] Group 5: Domestic Pension Fund Activities - Domestic pension funds have appeared in the top ten shareholders of 15 stocks, indicating a continued interest in the secondary market with a total holding value of approximately 3.9 billion CNY [22][23] - The largest holdings include companies in the machinery and basic chemical sectors, showcasing a preference for stable growth and relatively certain companies [22][23]

安联集团是欧洲最大的综合性保险和资产管理公司，有着130多年的发展历史，形成了穿越周期、行稳 致远的"安联经验"。作为安联集团在华唯一寿险公司的掌门人，近日安联人寿执行董事、总经理兼安联 （中国）保险控股有限公司副总经理崔毳在接受上海证券报记者专访时表示，未来中国养老、健康、财 富管理等市场蕴含巨大发展机遇，加码中国始终是安联人寿的战略核心。 依靠百年安联集团全球化经验和安联人寿深耕中国26年的市场洞察，安联人寿已从产品和服务着手转型 适应长寿时代变化。据崔毳介绍，安联人寿通过全新升级"安·未来"产品体系，着力打造极具中国特色 的"康""顺""赢""享"四大产品系列，致力于为更多中国家庭提供"财富+健康"养老解决方案。 "中国居民的健康意识正在快速觉醒，体现在健康管理年轻化、健康需求多元化、健康服务品质化 等。"崔毳说，保险行业未来在健康领域的角色，将从被动赔付转向主动管理，通过"保险+服务"的模 式，实现从治病到防病的转变。这不仅提升了保险的社会价值，也为行业带来了新的增长空间。 前瞻布局 "我们将依托安联集团全球资源，推动产品与服务更契合中国客户的多元化需求，特别是在健康保障、 养老金融等关键领域，为更多 ...

Core Viewpoint - Suzhou Bank demonstrates notable operational highlights amidst economic adjustments, driven by a customer-centric integrated business strategy that emphasizes long-term value and collaboration [1] Group 1: Business Strategy and Focus Areas - Suzhou Bank adheres to a customer-centric integrated business strategy, deeply rooted in the local area, and focuses on sectors such as technology finance, green finance, inclusive finance, pension finance, and digital finance [2] - The bank aims to support the local economy and enterprises through its "Five Major Articles" initiative, enhancing its service to manufacturing, technology innovation, and green finance sectors [2] - As of the end of 2024, Suzhou Bank has partnered with over 12,000 technology innovation enterprises, with a total credit amount exceeding 120 billion yuan; green loan balance reached 41.23 billion yuan, reflecting a net increase of 11.05 billion yuan, a growth rate of 36.62% [2] Group 2: Financial Services for Small and Micro Enterprises - The bank continues to improve its financial service system for small and micro enterprises, with loans to these enterprises reaching a balance of 67.49 billion yuan, an increase of 8.17 billion yuan year-on-year, and an average interest rate of 3.77% [3] - Suzhou Bank emphasizes digital transformation to enhance asset quality, implementing advanced risk control systems and big data monitoring [3] - The non-performing loan ratio stands at 0.83%, the lowest since its listing, achieving a six-year decline since 2018 [3] Group 3: Retail Banking and Pension Services - Suzhou Bank has launched the "Suxin Retail" brand, focusing on "people's finance" and integrating wealth management and daily life services [4] - The "Suxin Retail" brand includes sub-brands such as "Suxin Wealth," "Suxin Life," "Suxin Health," and "Suxin Loan," with "Suxin Health" being a key component of its pension finance strategy [5] - The bank has issued over 4.7 million social security cards and nearly 350,000 senior citizen cards, serving 4.5 million pension clients and 2.8 million senior citizen clients annually [5] Group 4: Integrated Operations and Financial Performance - Suzhou Bank's integrated operations are gaining momentum, with the establishment of a comprehensive operational framework and the successful opening of its Xuzhou branch [6] - In 2024, the bank achieved a net profit of 5.068 billion yuan, an increase of 468 million yuan year-on-year, representing a growth rate of 10.16%; basic earnings per share reached 1.31 yuan, up 0.09 yuan year-on-year, a growth rate of 7.38% [6] - The weighted average return on equity remains stable at 11.68%, indicating strong financial health [6]

公司动态 中国正面临前所未有的老龄化挑战。 养老保障体系包含"三大支柱"，包括基本养老保险、企业年金及职业年金和个人养老金。 中国社科院世界社保研究中心预测，城镇企业职工基本养老保险基金累计结余将在2027年达到峰值6.99万亿元，然后迅速下降，到2035年耗尽累计结余。 打通财富、服务与产业闭环 随着中国人口老龄化进程加速，养老问题已成为社会关注的焦点。民政部数据显示，截至2024年末,全国60周岁及以上老年人口31031万人,占总人口的 22.0%；全国65周岁及以上老年人口22023万人,占总人口的15.6%。全国65周岁及以上老年人口抚养比22.8%。 这一系列数据不仅揭示了社会抚养负担的加重，更凸显了传统"家庭养老"模式的局限性，以及公共养老金体系的潜在压力。面对如此严峻的形势，单纯依靠 政府或家庭已难以为继，亟需构建一个更加多元化、多层次的养老保障体系。而养老金融，作为撬动社会资源、分散养老风险、提升养老质量的核心引擎， 其战略地位日益凸显，正迎来前所未有的发展机遇。 未富先老，中国养老的破局点在哪里？ 中国进入老龄化社会至今已有25年。根据联合国的标准，当一个国家的65岁以上人口占比超过7%时， ...