从"惠懂你"的精准滴灌到"健养安"的温情守护，从"虚拟数字人"的流畅对谈到"智能体检机器人"的快速 筛查；从"劳动者港湾"的暖心服务到"无障碍+适老化"的贴心关怀……在2025年中国国际服务贸易交易 会现场，中国建设银行展区打造了一个智能化金融创新的沉浸式平台，金融服务的未来图景正变得清晰 可触。 2025年是"十四五"规划的收官之年,也是进一步深化改革的重要一年。围绕本次服贸会"数智领航·服贸焕 新"的主题，建行展示了在建设金融强国、推动"五篇大文章"、服务实体经济等方面的新成果。今年建 行以"数智建行，共筑服务新生态"为主题，将展区打造成了可触、可感、可玩的数字金融体验空间。参 观者不仅能和虚拟数字人互动、在AI数字客户经理的指导下办理业务，能在"多彩消保数字化3D 展厅北 京馆"学习防诈骗知识，更可以亲身感受智能机器人带来的无创、快速体检。 科技感十足的互动体验背后，是建行坚守"金融为民"初心、服务实体经济的生动印证。同时，建行在支 持城市更新、金融服务"无障碍+适老化"、提升数字人民币消费体验、金融知识普及等方面，深刻诠释 了国有大行的使命与担当。 "跨境快贷-外贸贷"是建行为小微外贸企业打造的专属产 ...

Group 1: Financial Support for Local Economy - The company focuses on financial "five major articles" to support high-quality local economic development [1] - By mid-2025, loans to specialized and innovative enterprises increased by 296 million yuan, with a 13.04 percentage point rise in service coverage for "little giant" enterprises [1] - The balance of green finance loans reached 7.095 billion yuan in 2024, with an increase of 867 million yuan, targeting sectors like clean energy and ecological restoration [1] Group 2: Inclusive Finance and Support for Small Enterprises - The company expanded financial support for innovative agricultural products, providing 9.76 million yuan in loans to 13 planting enterprises in 2024 [2] - The introduction of "Minshu Quick Loan" and the "ICBC Rural Revitalization" platform facilitated nearly 10 billion yuan in inclusive loans over the past three years [2] - The company achieved a top-level rating in the 2024 small and micro enterprise financial service regulatory evaluation [2] Group 3: Digital Finance and Technological Innovation - The company enhanced operational efficiency through AI technology, significantly improving loan approval processes [2] - The launch of an online textbook purchasing platform and ATM automation projects addressed traditional payment inefficiencies [2] - The company received a national invention patent for its proprietary data processing method, marking a significant achievement in the regional financial system [2] Group 4: Pension Finance and Social Responsibility - The company integrated into the national pension security system, successfully opening seven regulatory accounts for pension institutions by mid-2025 [3] - The scale of enterprise annuity management reached 840 million yuan, reflecting a nearly 9% increase since the beginning of the year [3] - The launch of a tripartite regulatory system for pension prepayment funds enhances safety and transparency for elderly care institutions [3]

转自：新华财经 工行防城港分行深入践行中央金融工作会议精神，高举"养老金融"旗帜，全力以赴推动地方养老金融发 展再提速。截至2025年8月末，该行养老金理财累计销售额达9713万元，同比增7609万元。 深耕网点场景，精准触达银发客群。该行以网点为阵地，实施"锁客-挖需-提质"三步策略。一是锁定代 发工资、社保缴存等客群，通过行内理财到期提醒等实用系统功能，为客户无缝衔接做好个人养老理财 推介续办；二是深挖老年客群养老规划需求，联动反诈、社区服务，强化对业务产品的持续宣传，不断 深化"养老+金融"品牌塑造；三是做好优质资源配置，通过"一对一"服务及专业性讲解，提升客户个人 养老金产品配置规模；四是抓好到店客户的金融服务，通过抓好厅堂服务，迅速识别客户需求，针对性 进行产品推介。（陈艺文） 编辑：穆皓 聚焦养老金融生态，打造"如意人生"综合服务体系。该行深度践行国家养老金融战略，依托总行"如意 人生养老计划"，构建覆盖"养老规划+优选产品+养老服务"的一站式综合服务体系。通过整合理财、保 险、基金、存款等多元化产品，针对客户不同生命周期需求，推出"安心、稳益、长盈"三类组合，满足 从备老到享老的全周期财富管理需 ...

Group 1 - The core viewpoint of the articles emphasizes the Industrial and Commercial Bank of China (ICBC) Wuzhou Branch's commitment to enhancing financial services through various initiatives, including increasing technology loans, supporting green industries, expanding inclusive finance, advancing pension finance reform, and strengthening digital financial innovation [1][2]. Group 2 - The bank has increased its technology loans, focusing on supporting technological innovation and advanced manufacturing, with a new loan amount of 369 million yuan for specialized and innovative small giant enterprises [1]. - The bank supports green industry development by promoting green finance, resulting in an increase of 323 million yuan in green loans this year, aligning with national environmental policies [1]. - The bank has expanded its inclusive finance coverage, providing an additional 325 million yuan in loans to small and micro enterprises, individual businesses, and agricultural clients [2]. - The bank is advancing pension finance reform by enhancing services for the elderly, having served over 8,000 senior clients through partnerships with civil affairs departments and pension institutions [2]. - The bank is focusing on digital financial innovation, implementing projects like "digital employees" and "smart canteens" to improve service delivery and integrate financial services with government and public welfare platforms [2].

陈吉宁：携手做好金融 " 五篇大文章 " ，共同促进金融创新转型 推动上海国际金融中心建设取得新成效 调研中国人民银行上海总部并座谈，就下一步业务创新拓展、政策服务支持等听取意见建议 ■ 希望中国人民银行上海总部聚焦重大命题和重要任务，同上海同题共答、携手共建，把握窗口期、增 强紧迫性，加快提升功能、优化布局、创新突破，支持打造人民币金融资产配置中心和风险管理中心， 推动上海国际金融中心建设再上新台阶 市委书记陈吉宁9月9日下午在调研中国人民银行上海总部时指出，要深入学习贯彻习近平总书记关于上 海国际金融中心建设的重要指示精神，切实肩负起落实国家战略、维护国家利益、保障国家安全的使命 任务，加快提升国际金融中心功能，携手做好金融"五篇大文章"，共同促进金融创新转型，更好发 挥"先手棋"作用，推动上海国际金融中心建设不断取得新成效，为金融强国建设作出更大贡献。 作为党中央、国务院完善中央银行体制的重大决策和支持上海国际金融中心建设的标志性举措，中国人 民银行上海总部成立20年来，充分发挥贴近金融市场优势，助力金融体系日益完善，服务实体经济成效 显著，推动金融改革开放不断向纵深推进。陈吉宁在中国人民银行上海总部听 ...

来源：环球网 老有所养是民之关切所在。今年以来，中原银行平顶山分行积极响应中国人民银行平顶山市分行"助力 银发经济 共建安心养老"号召，以平顶山分行营业部为试点，打造全市首家养老金融示范网点，通 过"金融+服务+公益"深度融合，构建覆盖养老资金规划、健康管理、社交生活的综合服务体系，为老 年群体提供有温度、有品质的养老金融解决方案。 为让网点服务更有温度，中原银行平顶山分行营业部立足老年群体需求，对网点进行全方位适老化改 造，辐射周边5个大型居民区，形成"金融服务+生活关怀"双核心模式。 该行打造了200平方米老年活动中心，配备血压仪、助行器、便民医药箱等设备，设置无障碍通道、防 滑地板及紧急呼叫系统，全方位保障老年人安全，并通过配置坐式金融自助机、语音导航系统，提供大 字版操作界面，搭配一对一人工指导，精准破解老年人"数字鸿沟"难题。同时，联合三甲医院定期开展 免费体检、健康讲座，为老年人建立专属健康档案，实现金融需求与健康需求的精准对接。 围绕"老有所养、老有所依"目标，该营业部推出"一站式"养老金融产品体系，覆盖资金规划、保险保 障、投资增值。针对银发客群，该行推出了稳定且灵活的存款产品，充分考虑老年人 ...

Core Viewpoint - The establishment of the "Anyu Life" elderly financial service center by Industrial Bank's Harbin Pingfang branch is a significant step in responding to national elderly financial strategies and enhancing community financial services [1] Group 1: Company Initiatives - The "Anyu Life" elderly financial service center aims to improve the service experience for elderly clients and deepen community financial services [1] - The center features a one-stop financial service, age-friendly facilities, and a variety of activity areas for elderly clients, receiving high praise from guests for its environment and services [1] Group 2: Future Plans - Industrial Bank's Harbin branch will continue to adhere to a customer-centric approach, optimizing service content and innovating service models to provide more professional and caring financial services for elderly clients [1]

Group 1 - The core theme of the event is the launch of the "Beijing Public Fund High-Quality Development Series Activities," focusing on the importance of financial services in supporting the real economy and enhancing investor education [6] - The event features five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, showcasing the comprehensive efforts of the company in these domains [2][3] - As of June 2025, the company has invested in over 1,400 technology enterprises, with technology-related products constituting 64% of its equity investments [2] Group 2 - The company emphasizes the integration of green finance into its investment decision-making process, participating in governance activities of 87 listed companies and voting nearly 15,000 times to promote green development [2] - In inclusive finance, the company has achieved over 98% representation of long-tail clients in its wealth management services, enhancing financial services for rural areas through the "Yunongtong" platform [3] - The company has developed a comprehensive pension finance service system, covering various risk preferences and focusing on the needs of mainstream retirement demographics [3] Group 3 - The company is actively pursuing digital transformation across various operational areas, improving decision-making efficiency and customer service responsiveness [3] - The "Wutong Bus" initiative aims to create an immersive experience for investors, integrating technology and interactive elements to enhance financial literacy [4] - As of mid-2025, the company's total asset management scale reached 1.43 trillion yuan, positioning it among the industry leaders [5]

Core Insights - The Chinese government has issued comprehensive guidelines for the development of elderly care services, emphasizing a sustainable and inclusive system that focuses on the care of disabled elderly individuals [1] - Significant achievements in China's pension finance include the establishment of a robust policy framework and the development of a multi-tiered pension insurance system [2][3] - Financial institutions are increasingly supporting the silver economy, with various pension financial products being introduced to meet the diverse needs of the elderly population [4] Policy Framework and Achievements - The implementation of policies in the pension finance sector has been proactive, with multiple regulations introduced to enhance the quality of pension services [2] - The multi-tiered pension insurance system has stabilized, with the first pillar covering nearly 1.1 billion people, while the second and third pillars are gradually expanding [3] - As of May 2025, the personal pension product market has reached nearly 50 billion yuan, with over 1,000 different products available [3] Financial Support and Market Dynamics - Financial institutions are actively developing products tailored to the elderly, with notable growth in pension fund management and innovative financial services [4] - The elderly population is increasingly seeking diverse and personalized financial products, moving away from traditional savings methods [5] Challenges in Pension Finance - The imbalance in the three pillars of pension insurance indicates that the third pillar's role needs enhancement, as many individuals rely solely on the basic pension [6][7] - The phenomenon of "high account openings but low contributions" in the third pillar highlights the need for improved engagement and incentives for personal pension savings [8] - Regional disparities in pension resources and funding allocations between eastern and western China reveal significant imbalances in support for elderly care [9] Product Development and Innovation - The current pension products are often homogeneous, lacking innovation and tailored solutions for different demographics [10] - There is a widening gap in pension savings between high-income and low-income groups, necessitating targeted financial products for diverse income levels [11] Recommendations for Improvement - The industry should focus on creating a more inclusive and diversified range of pension products that cater to various needs and preferences [14][15] - Enhancing direct financing support for the silver economy can facilitate the growth of businesses catering to elderly care [17] - Emphasizing the role of insurance in providing comprehensive elderly care solutions can improve the overall effectiveness of the pension finance system [18]

随着我国老龄化程度加深，"吃饭难""康复难""数字鸿沟"等成为困扰老年群体的几大痛点。近日，《证 券日报》记者走访广州、深圳等地，以广发银行养老金融实践为样本，探寻商业银行如何通过"金融 +养老"模式破解民生难题，从社区饭堂到智能康复，从数字平台到综合服务，探索出一条覆盖养老全 场景的特色化服务路径，从"舌尖"到"心间"，守护"银龄"幸福生活，为银发经济注入新动能。 当80岁的老人将一张社保卡往饭堂机器上一贴，"嘀"的一声，热腾腾的红烧狮子头就到手；同一时刻， 千里外的康复机器人正带着中风老人重新学走路；在深圳一家养老护理院里，护工手机App推送的消息 一响，她就掌握了老人当下的身体情况……这些看似毫不相干的场景，被商业银行用一张社保卡、一串 代码、一笔授信和一个数字平台悄悄串成了"养老幸福链"。 一餐热饭里的金融温度 临近午饭时间，走进广州桐乐大塘街社区饭堂（长者饭堂），饭香扑面而来，烧鹅、卤鸭、芦笋炒肉、 肉饼蒸蛋等30余种菜品在保温台一字排开。多位年长者早已熟门熟路：点餐、刷卡、贴手机，"嘀"一声 完成支付，屏幕马上跳出"政府补贴减3元，银行立减2元"…… 据饭堂相关负责人介绍，广州桐乐大塘街社区饭堂（ ...