Core Viewpoint - The aging economy in China is rapidly developing, with the elderly population expected to exceed 400 million by 2035, leading to a potential market size of 30 trillion yuan for the silver economy [1] Group 1: Policy Support for Elderly Finance - The Chinese government is focusing on enhancing the elderly finance system to improve welfare, which is one of the key areas for the financial system to address [1] - Financial policies are being implemented to support the health and elderly care industries, including a 500 billion yuan "service consumption and elderly re-loan" initiative by the People's Bank of China [1] - Commercial banks are developing specific plans to increase credit support for elderly care, medical rehabilitation, and cultural activities for the elderly, particularly targeting small and medium-sized enterprises [1] Group 2: Development of Pension Financial Products - There is a need to diversify the supply of pension financial products and actively develop the third pillar of pension insurance to meet the growing and diverse financial needs of the elderly [2] - The current pension insurance system consists of three pillars, with the third pillar (personal pension system) being underdeveloped and having significant growth potential [2] Group 3: Enhancing Product Accessibility - Efforts are being made to expand the range of pension financial products available to investors, allowing for greater choice and comparability [3] - Financial institutions are encouraged to improve their investment research capabilities to ensure that pension financial products meet the long-term preservation needs of investors [3] Group 4: Improving Investor Engagement - Financial institutions should establish specialized pension financial service outlets in senior communities to enhance accessibility for elderly investors [4] - Online banking platforms are being developed to cater to the elderly demographic, incorporating features that align with their financial management needs [4]

编 者 按 当前，全球正面临前所未有的人口老龄化浪潮，这一趋势正在迅速重塑各国的经济和社会结构，可能带来经济 增长潜力减弱、社会保障压力加剧等深远影响。近年来，党和政府高度关注人口老龄化问题。党的二十大报告提 出：实施积极应对人口老龄化国家战略，发展养老事业和养老产业，优化孤寡老人服务，推动实现全体老年人享有 基本养老服务。 2023 年中央金融工作会议明确指出要做好养老金融等"五篇大文章"。 作为金融健康的重要组成部分，养老金融健康建设，是社会经济发展、深化金融改革与构建和谐社会的客观要 求；是金融消费者、证券投资者和市场参与者权益保护的重要基础；是增加个人及家庭金融韧性的重要手段。为提 升国民养老金融教育水平， 清华大学五道口金融学院《清华金融评论》联合中美联泰大都会人寿保险有限公司（以 下简称"大都会人寿"）策划系列研究及访谈，旨在为政府制定养老金融政策、金融机构优化养老金融产品与服务、 中国家庭进行养老金融规划等提供参考借鉴。 本文专访中美联泰大都会人寿保险有限公司首席顾问行销官于健，探讨养老金融市场及保险如何与养老产业合 作提供一站式养老综合解决方案。 Q 目前中国养老市场的典型特征是 ？ Q 目前 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Ningxia Branch is committed to developing a comprehensive pension financial service system to support the high-quality development of the silver economy in Ningxia, focusing on pension finance, elderly service finance, and pension industry finance [1][2]. Group 1: Financial Services for Elderly Care - ICBC Ningxia Branch actively participates in the construction of the pension insurance system, collaborating with the local human resources department to enhance the efficiency of social security fund collection [2]. - The bank has launched a "social security + finance" integration code, serving over 500,000 elderly individuals and issuing more than 300,000 social security cards, with a continuous increase in financial function activation rates [2]. - The bank provides customized enterprise annuity services to state-owned and private enterprises, maintaining the largest scale in the banking industry for entrusted, account management, and custody services for enterprise annuities [2][3]. Group 2: Service Optimization for Elderly Clients - ICBC Ningxia Branch has developed a comprehensive service system covering the entire process of pension wealth accumulation, investment, and consumption, enhancing the financial service experience for elderly clients [3]. - The bank has introduced an elderly-friendly version of its mobile banking app, featuring large fonts and high contrast for better usability, and has launched services to assist elderly clients in using mobile banking [4]. - The bank has established a "Caring for the Elderly" service brand, creating flagship and benchmark branches equipped with facilities for elderly clients, such as wheelchairs and magnifying glasses [4]. Group 3: Community Engagement and Education - The bank conducts community activities to educate elderly clients about mobile banking services and organizes events to address their needs, benefiting over 100,000 elderly individuals [6]. - ICBC Ningxia Branch collaborates with government and healthcare institutions to create a "Silver Hair Classroom," extending the pension financial service chain [6]. Group 4: Support for the Elderly Economy - The bank has developed the "Silver Hair Industry Cloud" platform to provide one-stop services for pension enterprises, facilitating the digital transformation of the elderly care industry [7]. - ICBC Ningxia Branch has been recognized for its strategic layout and financial innovation capabilities, successfully becoming a regulated bank for pre-collection funds in pension institutions [9].

作为平安银行的全资理财子公司，平安理财紧紧围绕母行"零售做强、对公做精、同业做专"的战略方 向，持续提升专业投研、产品体系、渠道经营、运营服务、风险管理方面"五位一体"的能力，构建多元 化人才队伍和数据科技创新"双擎驱动"的竞争优势。近年来，平安理财在全球资管榜单的排名稳步上 升，充分展示了公司卓越的投资管理能力、稳健的风险控制体系以及日益提升的市场影响力。 自成立以来，平安理财牢记"服务实体经济、坚持为民理财"的初心，积极践行金融工作的政治性、人民 性，以实干争先的状态做深做实金融五篇大文章。成立近五年来,平安理财累计为超1300万名客户创造 投资收益超1000亿元，平均每年提供超过2600亿元资金支持实体经济发展，以实际行动诠释了新时代银 行理财公司的使命与担当。 近日，欧洲权威出版集团"欧洲投资与养老金"（Investment & Pension Europe， IPE）最新发布了年度榜 单—"2025全球资管500强"，57家中国资管公司进入该榜单。平安理财有限责任公司（简称"平安理 财"）再度进入榜单，位列全球第167位，较2024年、2023年的排名分别上升了17位和23位，全球综合竞 争力持续提 ...

Group 1: Core Initiatives - The company is implementing a "branch + elderly care" service ecosystem to enhance financial services for the elderly, focusing on quality, convenience, and safety [1][4] - The bank is transforming its branches to be more elderly-friendly, with plans to establish a benchmark branch by 2024 and has already created six demonstration branches by May 2025 [1][4] Group 2: Government Collaboration - The bank recognizes the importance of social security services in the elderly care system and is deepening cooperation with government departments to integrate services [2] - Initiatives include the establishment of a "social security financial supermarket" in collaboration with local authorities to provide one-stop services for residents [2] Group 3: Enriching Elderly Life - The bank is catering to the needs of seasonal "snowbird" elderly residents by creating specialized service scenarios that include financial safety education and community activities [3] - The "branch + inclusive finance" model is being developed to support the elderly care industry, focusing on financing needs of related small and private enterprises [3] Group 4: Commitment to Social Responsibility - The bank is actively pursuing its mission to support local economic and social development through various initiatives aimed at enhancing elderly care services [4]

Core Viewpoint - The article emphasizes the importance of financial development in China, particularly in Fujian, as a key component of the country's modernization and economic growth, rooted in the principles established during Xi Jinping's tenure in the region [3][5][12]. Financial Development Strategy - Fujian has initiated a financial empowerment strategy to enhance productivity, marking a significant step in its financial development [5]. - The financial sector is viewed as crucial for the overall modernization of China, with a focus on long-term planning and systemic approaches to financial development [5][10]. Historical Context and Innovations - The establishment of Industrial Bank in 1988 is highlighted as a pioneering move in China's financial reform, with local government support playing a vital role [7][8]. - Xi Jinping's early insights into financial governance laid the groundwork for a modern financial system in Fujian, emphasizing the need for a diverse financial structure [11][12]. Financial Support for Economic Development - Financial innovations, such as the "Lin e loan" in Ningde, demonstrate how financial tools can support rural economic development and resource management [17][19]. - The article discusses the role of financial services in supporting major infrastructure projects in Fujian, which have been essential for regional economic growth [23][27]. Risk Management and Financial Security - Fujian has maintained a strong record in managing financial risks, with a focus on preventing illegal fundraising activities and ensuring financial stability [31][32]. - The article outlines Xi Jinping's proactive measures in addressing financial crises, such as the restructuring of Huamin Company, which became a model for debt resolution [33][34]. Reform and Opening Up - The establishment of Xiamen International Bank as China's first Sino-foreign joint venture bank is presented as a significant milestone in financial reform and opening up [38][40]. - The article highlights ongoing efforts to deepen financial reforms and enhance international cooperation, reflecting China's commitment to a more open financial system [42][43].

Core Insights - The article highlights the efforts of China Construction Bank (CCB) Shandong Branch in enhancing financial services for the elderly, focusing on creating a barrier-free financial environment for senior citizens [1][2][7] Group 1: Service Upgrades - CCB Shandong Branch has implemented comprehensive upgrades to its services, including the renovation of branches to accommodate elderly customers, ensuring accessibility in all aspects of service [2][3] - The bank has introduced the "12345" working method to enhance pension financial services, focusing on convenience, adaptability, and professionalism [2][4] Group 2: Innovative Solutions - The bank has developed a range of innovative financial products tailored to meet diverse retirement needs, including corporate annuities and trust services [4][5] - CCB Shandong Branch has established a financial service team trained in emergency response to ensure safety and support for elderly clients [3][4] Group 3: Ecosystem Development - The bank is actively building a comprehensive pension financial ecosystem by collaborating with social security and healthcare institutions to provide value-added services [4][5] - CCB Shandong Branch aims to create a "pension financial professional bank" that integrates various financial services, ensuring long-term support for clients' retirement needs [5][6] Group 4: Commitment to Community - The bank's initiatives reflect a commitment to social responsibility and the well-being of the elderly, emphasizing the importance of financial inclusivity [7][8] - CCB Shandong Branch is focused on transforming the concept of "pension" into "enjoying retirement" through comprehensive and personalized financial solutions [8]

Group 1 - The core theme of financial development is open cooperation, with foreign institutions playing a crucial role in China's modern financial system [1] - As of now, 42 out of the world's top 50 banks and nearly half of the 40 largest insurance companies have established a presence in China, with foreign banks and insurance institutions holding total assets exceeding 7 trillion yuan [1] - The market share of foreign insurance companies in China has increased from 4% in 2013 to 9% currently, indicating a positive growth trend [1] Group 2 - The National Financial Regulatory Administration has approved the establishment of insurance asset management companies by foreign firms, reflecting a commitment to expanding financial openness [2] - AIA Insurance's CEO expressed confidence in the long-term development of the Chinese market and emphasized the importance of aligning with the new development pattern and institutional opening opportunities [2] Group 3 - The regulatory body is working to enhance the rules and management systems, aiming to eliminate restrictive measures in the banking and insurance sectors, thus promoting a more inclusive environment for foreign institutions [3] - Experts believe that the high-level opening of the financial sector is essential for building a strong financial nation, with foreign institutions potentially bringing advanced experience in product design and risk management [4] Group 4 - The Chinese market presents significant opportunities for foreign financial institutions in various sectors, including consumption, technology, green finance, and wealth management [5] - The aging population in China is projected to exceed 400 million by 2035, creating a silver economy worth approximately 30 trillion yuan, which presents a substantial opportunity for the pension finance sector [6] Group 5 - The current financial asset allocation in Chinese households shows a high proportion of cash and savings, indicating a demand for diversified and high-quality financial products [7] - The average annual growth rate of assets under management in trust, wealth management, and insurance asset management has been around 8% over the past five years, making China the second-largest asset and wealth management market globally [7] Group 6 - The support for foreign institutions to expand in areas such as wealth management and insurance planning aligns with the ongoing financial opening policies in China, which have progressively removed restrictions on foreign ownership [8] - The involvement of foreign institutions in the financial sector is expected to enhance product innovation and service quality, thereby meeting the increasingly diverse financial needs of Chinese residents [8]

Group 1 - The "Action Plan" aims to enhance the competitiveness and influence of Shanghai as an international financial center by promoting the aggregation of banking and insurance institutions in the city [1][2] - Financial institutions are encouraged to establish specialized entities or expand their authorization in Shanghai to seize opportunities in financial openness and gain policy innovation benefits [2][3] - The plan supports Shanghai's participation in international carbon financial pricing competition and aims to develop it into an international green finance hub [2][3] Group 2 - The "Action Plan" emphasizes the importance of improving financial services for the real economy and enhancing the quality of technology finance [2][3] - It proposes the establishment of a regulatory mechanism for financial innovation, focusing on risk management and prudent supervision [3] - The plan encourages the development of innovative financial products and services related to carbon finance, which is a crucial aspect of green finance [2][3]

Group 1: Corporate Social Responsibility - The company released its 2024 Social Responsibility Report, showcasing its commitment to financial responsibility and innovative practices in integrating party building with business operations [1] - This marks the sixth consecutive year the company has disclosed its corporate social responsibility information, emphasizing its mission to enhance the quality of life for all [1] Group 2: Elderly Care Strategy - The company has established a core strategy focused on elderly care, creating a multi-tiered service system that aligns with international standards while catering to domestic needs [2] - The "City Heart 2.0" model has been launched to enhance urban-centered elderly care services, aiming to provide high-quality living conditions for the elderly [2] Group 3: Philanthropy in Elderly Care - The company has conducted 140 elderly care charity events, engaging over 1,200 youth volunteers and benefiting more than 30,000 elderly individuals and their families [4] - In 2024, the company organized a total of 3,633 volunteer activities, donating materials and funds amounting to 753,000 yuan and providing insurance coverage worth 4.037 billion yuan [4] Group 4: Green Development Initiatives - The company is committed to green development, integrating ESG assessments into its investment strategies and accelerating investments in clean energy projects [5] - In 2024, the total amount of new green finance projects reached 4.71 billion yuan, representing a 90% increase, with green insurance coverage amounting to 733.77 billion yuan [5] Group 5: Support for Agriculture and Small Enterprises - The company has provided over 37.8 billion yuan in risk coverage to support rural revitalization and has established asset support plans totaling 21 billion yuan for small enterprises [7] - It focuses on creating specialized insurance products for specific groups, such as migrant workers and delivery riders, to enhance social welfare [7] Group 6: Digital Transformation and Financial Technology - The company is advancing its digital transformation by enhancing customer service efficiency through online and intelligent solutions [11] - It is leveraging cutting-edge technologies like AI to improve customer insights and risk management, thereby upgrading its digital financial system [14] Group 7: Long-term Investment in Technology - The company is utilizing its long-term capital to support technological innovation, successfully launching the industry's first data center investment project [17] - It aims to address financing challenges in the tech sector while contributing to national strategies and promoting a stable financial ecosystem [17]