◎记者 马慜 11月8日，在第八届中国国际进口博览会（下称"进博会"）期间，交通银行、民政部社会福利中心、上 海市浦东新区人民政府、中国老龄产业协会联合主办上海国际养老产业与金融发展促进会，旨在搭建银 发经济领域的政银企协同交流平台，推动形成"政策引导—金融赋能—产业升级"的良性循环，助力银发 经济高质量发展。交通银行行长张宝江，民政部养老服务司司长李邦华，上海市政府副秘书长、浦东新 区区委副书记、区长吴金城，上海市原常务副市长、上海交通大学上海高级金融学院创院理事长屠光 绍，中国老龄产业协会秘书长刘金刚等出席会议。 本次会议以"养老新时代，产融共发展"为主题。会议期间，民政部社会福利中心发布全新"养老通"养老 金融信息平台，交通银行进行养老金融品牌宣介，并发布交行养老产业金融产品，为中国特色养老服务 体系建设注入新动力。 凝聚共识 共担养老事业使命 会议现场政、银、企、研各界代表齐聚一堂，共话养老产业与金融协同发展新篇章。 张宝江表示，交通银行认真贯彻党中央决策部署，着力做好养老金融大文章，积极探索服务养老产业的 新模式：一是创新金融产品，加大养老产业的信贷支持力度。二是构建产业生态，营造协同发展的良好 环 ...

Core Insights - China Bank has been the sole strategic partner of the China International Import Expo (CIIE) for eight consecutive years, enhancing its "Zhongyin Silver Age" brand influence through various elderly finance-themed activities [1] - The bank hosted a closed-door forum on November 7, where over twenty industry experts discussed the core issues and innovative pathways for the elderly care industry, covering the entire investment, financing, construction, management, and exit chain [1] - On November 8, China Bank signed a strategic cooperation agreement with Yidong Technology, marking significant progress in building an elderly care ecosystem in Shanghai [1] Group 1 - China Bank awarded the first batch of eight "Shanghai Partners" under the "Zhongyin Silver Age Partner Program," indicating a collaborative effort to explore new opportunities in the elderly economy [1] - The bank's Shanghai branch has been actively involved in various aspects of elderly finance, including optimizing financial products and services for the elderly care sector [2] - The bank has participated in the pilot of the "Elderly Service Batch Loan" guarantee business, successfully launching the first elderly industry loan in the city after the new policy was implemented [2] Group 2 - China Bank has introduced the "Zhongyin Long Care+" series of comprehensive financial service solutions to provide specialized support for niche market segments [2] - The bank has hosted elderly economy matchmaking events during the CIIE for six consecutive years, integrating deeply into the elderly care industry ecosystem [2] - The Shanghai branch aims to leverage the group's global advantages and continue innovating products and services to contribute to a sustainable elderly finance system in China [2]

本报讯 （记者熊悦）11月8日，第八届中国国际进口博览会期间，交通银行、民政部社会福利中心、上 海市浦东新区人民政府、中国老龄产业协会联合主办上海国际养老产业与金融发展促进会，旨在搭建银 发经济领域的政银企协同交流平台，推动形成"政策引导—金融赋能—产业升级"的良性循环，助力银发 经济高质量发展。 为有效解决养老服务机构资金短缺问题，交通银行创新推出面向养老机构的线上融资产品"养老e贷"。 产品通过引入民政数据，构建风险评估和授信模型，覆盖包括民非组织、企业等养老机构市场主体，实 现贷款申请、审批、发放全流程线上办理。目前，"养老e贷"已在上海成功试点，并将逐步推广至全 国，为养老服务机构注入更多金融活水。 会议上，交通银行与民政部社会福利中心进行全面合作签约，交通银行上海市分行与浦东新区就金融支 持银发经济发展进行战略合作签约，各方共识进一步深化。 （文章来源：证券日报） 会议以"养老新时代产融共发展"为主题。会议上，民政部社会福利中心发布全新"养老通"养老金融信息 平台，交通银行进行养老金融品牌宣介并发布养老产业金融产品。 交通银行行长张宝江表示，交通银行着力做好养老金融大文章，积极探索服务养老产业的新模 ...

切实做好金融"五篇大文章"。中银三星人寿坚定践行金融工作的政治性与人民性，积极响应国家战略，展现险企担当。在科技金融领域，公司聚焦集成电 路、电子信息、高端装备等战略新兴产业，科技金融投资规模达19亿元，同比增长36.83%，以险资活水精准滴灌科技创新主战场。在绿色金融领域，积 极助力绿色发展，推动实现"双碳"目标。绿色投资余额突破66亿元，重点投向节能环保、生态环境及基础设施绿色升级领域，同时通过无纸化运营，实现 电子投保率近90%、电子回执率达99.78%，以数字化转型推动低碳发展。在普惠金融领域，通过中国银行"惠如愿"平台覆盖98家小微企业，累计提供保障 覆盖5699人、保额19.98亿元，开展专项宣传361次惠及2.4万人次，切实发挥保险社会"稳定器"作用。在养老金融领域，构建"产品+服务"双轮驱动模式， 推出37款面向60岁以上老人的专属产品，创新"银发服务通道"与"心相伴"养老专属服务，全年提供银发服务超10万次。在数字金融领域，以"三横两纵一 线"数据架构为基座，基础资源云化比例达60%，上线40余项自动化流程，客户服务效率提升40%，进一步实现科技与业务的深度融合。 11月7日，由每日经济新闻 ...

面对老年群体日益多元的保障需求，分行积极对接养老"三大支柱"，结合本地民生实际，构建覆盖全生 命周期的养老金融服务体系。作为首批落地个人养老金业务的金融机构之一，该行持续优化从账户开 立、资金缴存到产品配置、待遇领取的全流程服务，截至2025年9月末，分行累计服务个人养老金客户 超15万户。同时，分行主动走进社区、老年大学，举办"养老规划沙龙"，一对一协助长者选择适配产 品，推动第三支柱养老保障真正落地见效。此外，兴业银行南昌分行以金融社保卡为载体，持续提升政 府民生服务和普惠金融服务能力，助力基本养老保障扩面提质。截至2025年9月末，累计发行社保卡超 2.1万张。 "从前觉得来银行是件麻烦事，如今却成了暖心事。"正在办理业务的李大爷感慨道，"从进门全程协 助，到智能机器教学，甚至为我们行动不便的老人上门办理，这份用心实在难得！"这样的感受，正是 许多老年客户的共同心声。自"安愉人生"品牌深化推广以来，分行结合本地特色，持续做实做细适老化 服务，将线下网点打造成长者身边的"温馨驿站"。在硬件设施方面，分行对辖内老旧网点实施迁址和升 级，设置"特殊取号"通道、老年人专属窗口、无障碍设施及爱心座椅，并配备老花镜 ...

新形式，新期待。 2025年11月19日至20日，深圳——这座将举办2026 APEC会议的活力之城，将迎来一场重磅金融盛会。 由深圳市人民政府主办的"第十九届深圳国际金融博览会"与由证券时报社主办的"2025中国金融机构年会"将同时举行，两大品牌活动首次强强联合，活动名称也蝶 变为"第十九届深圳国际金融博览会暨2025中国金融机构年会"。 "十五五"规划建议明确提及，要"加快建设金融强国""大力发展科技金融、绿色金融、普惠金融、养老金融、数字金融"。落实好这一战略擘画，更好推动金融业高 质量发展，是金融机构肩负的崇高责任与光荣使命。金融行业以"国之大者"为经，以"民之关切"做纬，积极践行金融"五篇大文章"，以创新之墨挥毫作答，这是深 化金融供给侧改革的生动实践。来自银行、保险、券商、公募、信托、期货公司的精英翘楚将齐聚盛会，开展头脑风暴，凝聚行业发展智慧，践行金融为民理念。 具体来看，出席主论坛的嘉宾有深圳市政府领导，证券时报社领导，中国金融电子化集团领导，中保投资党委书记、董事长贾飙，南方基金党委书记陈莉等；信托 业主题演讲嘉宾有华润信托党委书记、董事长胡昊，建信信托党委书记、董事长李军；期货业主题演讲嘉 ...

Core Insights - The aging population has become a long-term structural feature of China's economic and social development, with the "14th Five-Year Plan" marking a critical phase for addressing this issue through pension finance as a core strategy [1][2] - The "15th Five-Year Plan" aims to transition from scale expansion to quality improvement in pension finance, emphasizing the development of technology finance, green finance, inclusive finance, pension finance, and digital finance [1][2] Summary of Achievements During the "14th Five-Year Plan" - A multi-level, multi-pillar pension finance system framework has been established, with the full implementation of the personal pension system marking a historic leap for the third pillar [2] - The supply of pension financial products and services has diversified, covering various risk preferences from savings and wealth management to insurance and funds [2] - The policy framework has been improved from macro deployment to micro operation, with pension finance elevated to a national strategic level in the 2023 Central Financial Work Conference [2][3] Regulatory Developments - A multi-level policy matrix has been formed, with various documents issued to regulate product development and institutional oversight [3] - The goal is to establish a basic pension finance system by 2028, supported by a collaborative mechanism among multiple departments [3] Performance of the Three-Pillar Pension System - The basic pension insurance fund's investment operation scale has reached 2.6 trillion yuan, doubling since the end of the "13th Five-Year Plan" [4] - The second pillar (enterprise annuities) has also seen growth, with a fund scale of 7.56 trillion yuan, an increase of 4.02 trillion yuan since the end of the "13th Five-Year Plan" [4] - The personal pension system has transitioned from pilot accumulation to a defined system, with personal pension product balances exceeding 15.16 billion yuan, a growth of 64.7% year-to-date [4] Challenges in Current Pension Finance Development - The pension system is overly reliant on the first pillar, with insufficient development of the second and third pillars, leading to a lack of effective collaborative support [6][7] - There is a significant structural imbalance in the three pillars, with the third pillar facing challenges in attractiveness and participation [7] - Regional and urban-rural disparities in pension finance services are pronounced, with rural areas lacking adequate supply and financial literacy [8] Development Directions for the "15th Five-Year Plan" - The focus will be on building a more mature multi-level system, enhancing the quality of the second and third pillars, and transitioning products and services to a user-centered approach [9] - The policy framework will aim for institutionalization and collaboration, with tax incentive optimization as a key direction [9][10] - The second pillar will be strengthened through lowering barriers for small and medium enterprises and expanding coverage to new employment forms [11] - The third pillar will see increased contribution limits and the development of new products tailored to individual pension needs [12] Integration with the Silver Economy - There will be a focus on deepening the integration of pension finance with the silver economy, creating a virtuous cycle that supports both sectors [13] - The product system will shift towards user-centered and dynamic adaptation, ensuring that offerings meet diverse and evolving needs [14] Technological Empowerment - Digital transformation will be a core driver for high-quality development in pension finance, with a focus on enhancing service efficiency and accessibility for the elderly [15] - Financial institutions will be encouraged to develop inclusive products and services that cater to the unique needs of older adults, ensuring their participation in the digital economy [15]

在金融知识宣教方面，光大银行北京分行以"阳光消保"为品牌，构建覆盖"新市民、青少年、老年人、 乡村居民"四大重点群体的"新小老乡"金融教育体系。通过定制化宣传内容，普及金融知识、提示金融 风险。每年3月15日，分行党委班子成员走进网点，开展"3·15行长当大堂经理"活动，用通俗语言帮助 老年客户理解理财产品，提醒防范金融风险。 2025年1月，光大银行北京分行辖内首家"养老金融服务中心"在阜成路支行正式授牌，标志着分行养老 金融服务进入"专业化、精细化"新阶段。阜成路支行、新源支行及花园路支行凭借卓越的综合服务能力 成功入选首批64家"养老金融服务中心"网点，成为分行养老金融服务的"示范窗口"。 为进一步提升老年客户服务体验，光大银行北京分行在全辖网点推行老年客户"7项专属服务"，包括专 属窗口、专属服务人员、专属座椅等，并在夯实"7项专属服务"的基础上，打造"N项特色服务"，如增 设"敬老驿站"、组建敬老服务团队、开展"老年课堂"普及活动等，致力于打造养老金融服务样板间。 针对老年客户使用智能设备的困难，光大银行北京分行优化线下服务的同时，着力打造线上适老服务渠 道。手机银行"简爱版"功能字体放大、去除冗余 ...

Core Insights - The 2025 Financial Development Conference held in Beijing focused on the resilience and transformation paths of China's banking and insurance industry in complex environments [1] - Chengdu Bank received the "Annual Special Award for Characteristic Finance" at the conference, highlighting its innovative practices and recognition for its regional service effectiveness [1][2] - As a key financial institution in the Chengdu-Chongqing economic circle, Chengdu Bank has surpassed 1 trillion yuan in assets, achieving a total asset scale of 1.38 trillion yuan by the end of September this year [1] Group 1: Financial Innovation and Services - Chengdu Bank has developed a unique regional practice by translating the strategic requirements of the financial "Five Major Articles" into distinctive financial services [2] - The bank has established a "Four Special" service system focusing on technology finance, which includes specialized institutions, professional teams, dedicated credit, and exclusive products [3] - By the end of 2024, over 90% of the bank's technology branch clients were technology enterprises, showcasing its commitment to supporting innovation [3] Group 2: Green Finance Initiatives - Chengdu Bank has provided over 8 billion yuan in credit support to the Chengdu Public Transport Group, aiding the transition to a greener public transport system [5] - The bank's green credit balance reached 49.77 billion yuan by the end of 2024, marking a 22.87% increase year-on-year, leading the market share among provincial banks [6] - Chengdu Bank issued 3 billion yuan in green financial bonds, supporting 53 green projects and enhancing regional green transformation [6] Group 3: Inclusive Finance and Support for SMEs - The bank has created a "park + finance + scenario" service ecosystem to enhance financial services for small and micro enterprises [7] - Chengdu Bank has provided over 15 billion yuan in credit to more than 200 core enterprises, supporting over 5,000 small and micro enterprises through its supply chain finance initiatives [8] - The average interest rate for inclusive loans dropped to 3.3%, benefiting private enterprises and reducing their financing burdens [8] Group 4: Elderly Financial Services - Chengdu Bank has established a comprehensive elderly customer service system, providing prioritized and preferential services to senior clients [9] - The bank has completed standardization of service facilities and has launched a senior-friendly version of its mobile banking app to address the needs of elderly customers [10] Group 5: Digital Transformation - Chengdu Bank has built a robust digital infrastructure with a "5+2" middle platform system to support its digital transformation [11] - The bank's electronic banking customer base exceeded 6.34 million by 2024, with mobile banking active users reaching 1.39 million [12] - The bank aims to continue enhancing its financial services by focusing on technology finance, green finance, inclusive finance, elderly finance, and digital finance [12]

Core Viewpoint - The China International Import Expo (CIIE) showcased the launch of the "Bank of China Silver Economy" brand, highlighting the bank's commitment to supporting the national pension system and the silver economy development [1][3] Group 1: Brand Launch and Vision - The "Bank of China Silver Economy" brand was officially unveiled on October 29, emphasizing the bank's dedication to serving the elderly population and the silver economy [1] - The brand represents a systematic and branded approach to pension finance, integrating the bank's century-long legacy with a commitment to the silver economy [1][3] Group 2: Product Offerings - The brand includes a rich and clear structure, targeting individual clients with the "Age Joyful Series," which focuses on wealth preservation and inheritance, and a comprehensive service ecosystem for the elderly [2] - For industry partners, the "Yiyang Tongxin Series" offers pension management, diversified financing solutions, and integrated solutions to address challenges in the pension industry [2] Group 3: Activities and Initiatives - During the CIIE, the bank held various activities to explain the brand's philosophy, including discussions on how financial technology enhances pension asset management and service experiences [2] - The bank's commitment to building a silver economy ecosystem was demonstrated through the establishment of partnerships with leading health and wellness institutions [2]