"适老化"服务有温度暖心敬老提升养老金融服务体验 养老金融既是我国金融事业的重要组成部分，又是养老事业的重要支撑，更是走中国特色金融发展 之路的必然要求。金融机构要坚持政治性、人民性，要始终把不断实现人民对美好生活的向往作为金融 工作的出发点和落脚点，做好养老金融大文章，建设金融强国。 信银理财自成立以来，始终将养老金融作为重点赛道积极布局，不断探索养老金融高质量发展，丰 富养老主题相关产品及策略研发，并在实践中加快提升适老化服务水平，用心用情做好养老金融大文 章。截至2024年9月底，信银理财持续做大做强"信颐"养老品牌，产品总规模近600亿元，直销APP上 线"适老化"版本，客户服务开通"敬老专线"，积极打造养老金融新产品、新服务，以优质金融服务助力 养老金融发展，奋力做好养老金融大文章。 "专业化"服务有力度稳健理财护航银发经济发展 与发达国家相比，我国养老金融体系在总量和结构上存在短板，由于过于依赖第一支柱，第二支柱 起步晚、增长空间有限，第三支柱养老金余额占比较低。 为加快推进多层次养老保障体系，特别是第三支柱建设，近年来国家及相关部门利好政策频出，各 类金融机构应需而动、抢抓机遇。诞生于商业银行的 ...

当前中国步入高质量发展的新时代新征程 山河处处"新"意盎然 在新中国成立75周年 金融"五篇大文章"践行1周年之际 中国银行以金融之力赋能养老事业、养老产业 我们以"人民公园"为独特视角 聚焦那些人民公园中的银发群体 通过他们丰富多彩的日常 见证中国银行助力下的幸福晚年 在中国,有很多公园 其中「人民公园」 遍布在大大小小的城市里 和每个国人的记忆中 人民公园经常是"大朋友"们的专属游乐场 相比"小朋友"们的刷圈打卡，他们总能在这修得怡然 一派人间烟火气 中行"一刻钟社区生活圈"把幸福"圈"身边 中国银行制定敬老服务模范网点标准 推动全辖1万余家网点落地实施 为老年人提供便利设施和无障碍通行服务保障 择优建成养老服务示范点1千余家 > 他们从不担心自己跟时代脱节 大早他们就在老地方集合 结伴同行加入晨练大军 套太极拳、太极扇打得行云流水 每年,当人民公园的花开了 爱花的张奶奶会第一个知道 他们拿起新买的手机一起去拍照 定格花开的美妙瞬间 人民公园从不缺少分享达人 新发现总能上榜当天的热门话题 中国银行打造"银发地图" 全国优质养老服务机构在线查询 李爷爷正在和老友分享IV 图就看懂,想知道想了解的尽在掌控 因 ...

12月2日至4日，以"改革新蓝图 发展新动能"为主题的2024中国企业家博鳌论坛在海南博鳌举行， 安联人寿保险有限公司执行董事、总经理崔毳受邀出席论坛，与众多世界及中国500强等企业和行业领 军企业家共话改革新蓝图，发展新动能，并在论坛期间接受新华网专访。 安联人寿保险有限公司执行董事、总经理崔毳在"发展养老金融 守护金色年华——金融分论坛"上 指出，中国的寿险业目前正处在向高质量发展方向转型的关键时期。 聚焦高质量发展 她表示，2024年新"国十条"的出台为保险行业指明了方向，强调了保险业在国家现代化建设中的重 要地位。寿险行业将更加注重产品的创新和服务品质的提升，以满足客户日益多样化的需求。 崔毳表示，未来，安联人寿将持续深耕"养老金融"领域，为客户提供更加丰富的养老金融产品选 择，满足客户品质养老需求。 2024企业家博鳌论坛系列活动由新华社品牌工作办公室、新华网、新华社海南分社主办，以"改革 新蓝图 发展新动能"为主题，设置主论坛和科技、健康、文化、汽车、金融、新消费等分论坛以及多场 专场活动。企业家博鳌论坛自2016年创办以来，已连续举办九届。历届论坛议题设置前沿务实，与会企 业家、专家学者众多，积 ...

深耕绿色金融 努力守护绿水青山 2024年，四川省广元市剑门关翠云廊景区里的7803棵千年古柏，广东江门巴金笔下小鸟天堂那棵独 木成林的水榕树，广东韶关南华古寺中的206株古树......第一次有了保险守护。 古树名木被认为是"有生命的文物"。平安产险积极深耕绿色金融，持续扩大古树名木救治综合保险 的覆盖面。截至2024年12月31日，平安产险已为2万余棵古树名木提供风险保障超3亿元，让古树名 木"老有所依"。 金融是国民经济的血脉。2024年，平安产险深入贯彻中央金融工作会议精神，在平安产险党委领导 下，成立"平安产险可持续发展委员会"，积极筑牢经济安全网、社会保障网和灾害防护网，全力做好金 融"五篇大文章"，积极融入国家发展大局，奋力书写金融服务高质量发展的新答卷。 发力科技金融 助力培育新质生产力 科技是第一生产力。为助力培育新质生产力，护航科技创新，平安产险首单"科技攻关专项保险"、 首单"低空领域政府救助保险"、首单"科技中试综合保险"等护航科技企业向新而行的创新保险产品相继 面市。 "科技研发一般前期投入大、项目周期长、未知风险高，光靠企业投入压力很大。有了保险兜底， 心里就有底了。"宁波一家科技 ...

Core Insights - Financial sector plays a crucial role in promoting high-quality economic development in China, with significant increases in social financing and loans in the first half of the year [1][3]. Group 1: Financial Support for Key Sectors - Financial institutions are focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to provide higher quality and more efficient financial services [2][3]. - As of the end of May, loans in these five areas reached 103.3 trillion yuan, a year-on-year increase of 14% [3]. - Specific examples include a 70 million yuan green loan supporting a company in producing high-value activated carbon from agricultural waste, and various loans aiding companies in manufacturing and technology innovation [2][4]. Group 2: Enhancing Financing Structure - There is a notable increase in credit allocation to advanced manufacturing, technology innovation, and private enterprises, which is essential for traditional companies to transform and rejuvenate [4][5]. - By the end of June, the balance of technology loans from major banks reached nearly 6 trillion yuan, with significant growth in loans for the manufacturing sector [5]. Group 3: Promoting Consumption and Domestic Demand - Financial policies are being implemented to stimulate consumption and expand domestic demand, including a 7.29 billion yuan loan for a cultural tourism project [6][7]. - The People's Bank of China has introduced measures to support key areas of domestic demand, with mid-to-long-term loans for manufacturing and infrastructure growing by 8.7% and 7.4% year-on-year, respectively [7]. Group 4: Future Outlook - The financial sector is expected to maintain stable support for the real economy, ensuring that credit resources are directed towards key economic areas and weak links [7][8]. - The People's Bank of China plans to adjust policy implementation to better stimulate domestic demand and market vitality [7].

"小李啊，今天工资到账了，帮我取出来给孙子买台学习机。" 清晨的阳光刚漫进建行东营东辛支行的 玻璃门，72 岁的李奶奶就熟门熟路地来到网点，笑着和大堂经理打招呼。这样亲切的场景，在该行几 乎每天都在上演。作为扎根社区的基层网点，这里的适老化服务没有华丽的口号，却像冬日里的暖炉， 用细节把养老金融的温度传递给每一位老人。 对于那些记不清密码、看不清单据的老人，柜员们有自己的 "土办法"：用大号字写好操作步骤贴在柜 台，方便老人查看；遇到转账业务，会多问一句 "是转给家里人吗？"，细心防范风险；帮老人填单 时，会逐字念出来确认，确保信息准确无误。 当老人想尝试手机银行时，大堂经理会拿着样机，手把手教他们使用 "适老版"：将字体调到最大，把 "转账给儿子" 等常用操作设成快捷按钮，还反复叮嘱 "看到陌生链接别点，有事随时来网点找我们"。 养老金融的温度，从来不在宏大的规划里，而在每一次耐心的解答、每一个贴心的细节里。建行东营东 辛支行用日复一日的坚守证明：当银行真正把老人当成 "家人"，把服务做到 "心坎上"，金融就不再是 冰冷的数字和流程，而是能温暖晚年的一束光。未来，该行将继续深耕适老化服务，让更多老人感受到 ...

Core Viewpoint - The development of pension finance is crucial for promoting high-quality development of the silver economy in China, as highlighted by the joint issuance of guidelines by the People's Bank of China and nine other departments [1][10]. Group 1: Industry Overview - China's aging population is rapidly increasing, with an average life expectancy of 78 years and elderly individuals making up 20% of the population, indicating a significant shift towards a longevity society [1][10]. - The rise in chronic diseases and health challenges, alongside a growing demand for wealth management, emphasizes the need for comprehensive financial services tailored to the elderly [1][10]. - The demand for elderly care services is surging, with a notable shortage of care facilities and professionals, highlighting the urgency for innovative solutions in the pension finance sector [1][10]. Group 2: Company Strategy - Baian Life Insurance, established in 2009, focuses on a customer-centric approach and aims to enhance its service offerings through a comprehensive "insurance + service" ecosystem strategy [2][4]. - The company has introduced the "Baian Heart Worry-Free Value-Added Service System," which encompasses three main service brands targeting health, wealth, and elderly care, providing differentiated and high-quality services [5][9]. - The service system aims to cover the entire life cycle of customers, addressing their health management, wealth planning, and elderly care needs, thereby enhancing customer satisfaction and value [6][9]. Group 3: Service Offerings - The "Baian Heart Worry-Free Value-Added Service System" includes three sub-brands: Baian Xinxing for health management, Baian Xinshi for wealth management, and Baian Xinan for elderly care, each focusing on specific life stages and needs [5][6][9]. - The health management services cover prevention, diagnosis, treatment, and rehabilitation, ensuring comprehensive support throughout the health journey [5][6]. - Wealth management services are designed to assist clients in various stages of wealth creation, preservation, and inheritance, ensuring a stable financial future [6][9].

Group 1 - The core viewpoint of the articles highlights the transformation and strategic focus of Guoxin Securities since its establishment, emphasizing its role in supporting state-owned enterprises and national strategies [1][2] - Guoxin Securities has engaged with 54 state-owned enterprise groups and has successfully implemented 37 projects out of 56 initiated, maintaining over 30% of its financing services directed towards state-owned enterprises [1] - The company has adopted a comprehensive approach to financial services, including technology finance, green finance, inclusive finance, pension finance, and digital finance, achieving significant progress in each area [2] Group 2 - In technology finance, Guoxin Securities has completed the listing of Chuanli Intelligent on the New Third Board and issued the first "ESG + Technology Innovation" corporate bond in the national chemical industry [2] - The company has issued seven green bonds, including those for Guoxin Leasing and Huadian Leasing, and has applied to participate in carbon emission trading [2] - Guoxin Securities has enhanced its digital financial infrastructure, focusing on improving customer operations and expanding its product offerings to nearly 10,000 financial products [2]

Key Points Summary Group 1: U.S. Pension Policy Changes - The Trump administration signed an executive order on August 7 to ease restrictions on alternative investments in 401(k) accounts, including private equity, real estate, and cryptocurrencies. This move aims to enhance retirement savings opportunities for individuals [1][5][6] - The order directs the Secretary of Labor to review guidelines regarding fiduciary responsibilities related to alternative asset investments in 401(k) plans, indicating a potential shift in regulatory stance [5][6] - There are concerns that relaxing investment restrictions may lead to increased management fees, reduced transparency, and liquidity issues, despite the potential for greater investment flexibility [1][5] Group 2: Argentina's Pension Policy - On August 4, Argentine President Milei vetoed a law aimed at increasing pensions for the elderly and disabled, citing fiscal sustainability as the reason for the decision. This move affects a significant portion of the population, as over 40% of jobs in Argentina are informal and many are excluded from the national pension system [2][6][7] - The government argues that increasing pensions would jeopardize efforts to achieve fiscal balance, with projected additional costs of $5 million this year and $12 million by 2026 [7] Group 3: China's Social Security Policy - On August 1, the Supreme People's Court of China clarified that social insurance contributions are mandatory, reinforcing the legal framework around labor disputes and social security compliance [8][10] Group 4: International Pension Developments - Germany is considering comprehensive reforms to strengthen its occupational pension system, which may include expanding the applicability of the "social partner model" to non-collectively bargained employers [11][12] - Norway's sovereign wealth fund, GPFG, is reviewing its investments in Israel following public outcry over its holdings in a military-related company, indicating a focus on ethical investment practices [12][13] - Harvard and Brown University endowment funds have increased their exposure to Bitcoin ETFs, reflecting a growing interest among traditional institutions in cryptocurrency investments [15][16] Group 5: U.S. Independent Contractor Retirement Benefits - Republican senators have proposed the "Independent Retirement Fairness Act" to establish a portable benefits system for independent contractors, allowing employers to voluntarily contribute to retirement accounts, which could enhance retirement security for this growing workforce [17][20] - The proposal aims to balance flexibility and basic welfare protections for independent contractors, amidst ongoing debates about their classification and benefits [18][20] Group 6: U.K. Sustainability Reporting - The U.K. Financial Conduct Authority (FCA) plans to simplify sustainability reporting requirements for asset managers and insurers, aiming to reduce compliance burdens while enhancing transparency [20][21] Group 7: New York City Pension System Performance - New York City's pension systems achieved a 10.3% investment return for the fiscal year 2024, exceeding the actuarial target of 7%, which is expected to save approximately $2.18 billion in pension contributions over the next five years [22][23]

Core Viewpoint - The article highlights the efforts of CITIC Bank's Guiyang branch in promoting financial services that support the development of various sectors in Guizhou, focusing on technology, green finance, inclusive finance, pension finance, and digital finance as part of the "Five Major Articles" strategy to foster economic growth and improve living standards in the region [1][10]. Group 1: Technology Finance - CITIC Bank's Guiyang branch has provided 1.884 billion yuan in technology finance loans to 72 enterprises in sectors such as big data, renewable energy, and biotechnology by June 2025 [2]. - The "Science and Technology e-loan" product has been introduced to support "specialized, refined, distinctive, and innovative" enterprises, facilitating their financing needs [2]. - A comprehensive service plan for employee stock ownership prior to IPO has been implemented, providing 16.49 million yuan in financing for a local tech company [2]. Group 2: Green Finance - The bank has established a green credit balance of 2.217 billion yuan by the end of 2024, supporting the ecological civilization construction in Guizhou [3]. - Innovative models combining green finance, ecological agriculture, and rural revitalization have been developed, exemplified by a 20 million yuan credit loan to a national agricultural enterprise [3]. Group 3: Inclusive Finance - CITIC Bank is addressing the financing challenges faced by small and micro enterprises through products like "Distribution e-loan," which reduces financing burdens by 30%-50% for distributors [4][5]. - The bank's inclusive finance loans have reached nearly 1.5 billion yuan by the end of 2024, significantly benefiting small business owners and enhancing local economic activity [5]. Group 4: Pension Finance - The bank has launched comprehensive pension financial services, including pension planning and community integration for the elderly, enhancing the quality of life for senior citizens [6]. - The establishment of a cloud service platform for elderly education has facilitated access to learning resources for seniors [6][7]. Group 5: Digital Finance - CITIC Bank is advancing its digital transformation strategy, focusing on management, operational efficiency, and service innovation [8]. - The bank has developed a digital financial service system that integrates technology, scene innovation, and ecological collaboration, enhancing supply chain financing in the liquor industry [8][9].