摘 要 恒丰银行更大的蜕变在于将金融资源向服务实体经济和国家战略倾斜：近年来，全行八成以上存量贷款 投放在沿黄、京津冀、长三角、粤港澳等区域；坚持"做强本土"战略，全力服务山东"走在前、挑大 梁"，承销山东债金额位居股份行首位 文｜傅帅 编辑｜张静 青岛港作业繁忙，联通全球180多个国家和地区的700多个港口。招金膜天公司走出了一条创新之路，产 品大量出口到日本、马来西亚、加拿大、新西兰、新加坡等国家…… 在百年未有之大变局下，世界经济运行面临较多挑战，但中国的综合国力在"十四五"期间屡创新高，韧 劲十足。其中，金融如同国民经济的血脉，为实体经济发展提供着不可或缺的动能。 自2019年底改革重组，恒丰银行转向高质量发展阶段，切实把各方面利好转化为发展实绩。预计到2025 年末，该行的资产总额可达1.6万亿左右，营业收入、净利润等经营指标逆势上扬，不良贷款率继续保 持下降势头，有望交出一份好于预期的成绩单。 恒丰银行更大的蜕变在于将金融资源向服务实体经济和国家战略倾斜：近年来，全行八成以上存量贷款 投放在沿黄、京津冀、长三角、粤港澳等区域；坚持"做强本土"战略，全力服务山东"走在前、挑大 梁"，全年承销山东债金 ...

Core Insights - The insurance industry is increasingly recognized as an effective tool for implementing national development strategies, connecting customer demand insights, service ecosystem integration, and the final payment loop [1][15][24] - Despite the acknowledgment of the social contribution value of insurance at various government levels, there remains room for improvement in understanding its significance [1][15][24] Industry Report Highlights - The 2025 Annual Research Report on the Insurance Medical and Health Industry was released, expanding its focus from elderly care communities to the entire health and wellness industry, including medical health [3][17] - The rise of the silver economy and the maturation of the overall market, along with clear national strategic guidance, have created historic opportunities for both elderly finance and related medical health industries [3][17] Alliance Functions - The alliance aims to build a platform for insurance companies and various enterprises in the health and wellness industry to promote collaboration and win-win cooperation [4][18] - The alliance has initiated substantial cooperation with local governments, such as participating in the restructuring and planning of the Haihua Island project, which is positioned as a key exploration base for the health and wellness industry [5][19] - The alliance promotes sharing across technology, services, products, and customer service to create a complete ecosystem [6][19] Standardization and Legal Support - The alliance has led the establishment of service standards for elderly care communities and various supporting service specifications to ensure service quality stability [6][20] - A proposed legal service platform aims to address the lack of reliable and professional channels for resolving legal disputes faced by elderly individuals in care facilities [7][20] Economic Impact of Insurance - In 2023, the total assets of the financial industry reached 461 trillion yuan, with the insurance industry bearing an insurance guarantee amount exceeding 13 trillion yuan, which is 106 times the GDP of that year [10][22] - The insurance industry provides risk and wealth protection amounts that are several times the GDP, highlighting its critical role in the national economy [11][23] Future Considerations - The insurance sector's contribution to economic development should be evaluated based on insurance guarantee amounts rather than just asset scale, which could lead to more flexible and forward-looking fiscal policies [12][24] - The insurance industry is becoming increasingly essential in the national development strategy, with its role in various social welfare areas being indispensable and continuously supported by policy [1][15][24]

12月18日，江西银行与江西开放大学（国家老年大学江西分部）战略合作暨首家"银龄e站"揭牌仪式在 南昌举行。 此次跨界携手，双方将在养老金融服务、老年教育支持、资源共享共建等多领域合作，深度整合金融资 源与教育优势，构建覆盖老年群体生活、学习、金融需求的全维度服务体系，为全省老龄事业高质量发 展注入强劲动力。这标志着"金融+教育+服务"三位一体的养老服务新生态在赣鄱大地正式启航。 银校深度合作： 携手打造养老服务新生态 "双方的携手，不仅是积极响应国家重大战略、服务地方发展大局的主动作为，更是一份服务社会、造 福老年群体的郑重承诺。"战略合作协议签约仪式上，江西银行党委书记、董事长曾晖表示，作为省属 法人银行，成立10年以来，江西银行始终坚守地方金融主力军使命，将养老金融作为金融"五篇大文 章"重点发展的一个领域，积极构建覆盖养老产业金融、养老服务金融、养老财富金融的全方位、全周 期养老金融服务体系。 构建江银爱老"社区+生活"价值网络。推动"江银爱老"进千家社区，双方共同开展"社区金融+生活服 务"双主题公益活动，深入社区为居民提供丰富的理财课堂、文化艺术、健康养生等内容，推动金融服 务与教育资源进一步融入 ...

随着人口老龄化进程加快，养老已成为全社会共同关注的重要话题。作为国有大型商业银行，交通银行 积极践行金融工作的政治性与人民性，创新金融产品和服务，加强多方协同合作，共同构建居家为主、 医养结合、社区支撑的养老生态，倾力写好养老金融大文章。 前瞻布局，打造养老金融服务体系 交通银行前瞻布局养老金融领域，于2021年成立养老金融部，统筹推进全集团养老金融业务发展及养老 金融生态建设的创新探索。交通银行锚定"打造长者友好型银行"发展愿景，全面升级养老金融布局，制 定并实施养老金融服务体系规划，明确提出，至2027年建成"战略清晰、机制健全、布局全面、产品丰 富、服务完善，主要服务领域同业领先"的养老金融服务体系。目前，交通银行养老金托管规模已位居 市场前列，养老金金融业务规模快速增长，社保卡、个人养老金业务规模大幅提升。截至2025年11月 末，全行养老产业贷款余额较上年末增幅超40%，有力支持了银发经济、健康产业、养老产业高质量发 展。 服务为本，构建全链条服务闭环 为守护好老年人的"钱袋子"，交通银行与民政部及各地民政局紧密协作，推出养老机构预收费资金监管 综合服务方案，对养老机构预收费提供全链条"业务+资金" ...

中共安徽省委关于制定国民经济和社会发展第十五个五年规划的建议发布，其中提出，健全现代地方财 税金融管理体制。推进财政科学管理试点，加强财政资源和预算统筹，持续深化零基预算改革。完善国 有资本经营预算和绩效评价制度。加强财会监督。健全政府债务管理制度，加强专项债券"借用管还"全 生命周期管理。全面落实税收法定原则，规范税收优惠政策，完善对重点领域和关键环节支持机制。扎 实推进金融体制改革，发挥全国融资信用服务平台作用，积极发展科技金融、绿色金融、普惠金融、养 老金融、数字金融。壮大多层次资本市场安徽板块，推动企业上市"迎客松行动"计划和"科创100"上市 专项行动扩围提质。全面加强金融监管，促进各类金融机构专注主业、完善治理、错位发展，丰富风险 处置资源和手段，构建风险防范化解体系，保障金融稳健运行。 ...

人民财讯12月19日电，中共安徽省委关于制定国民经济和社会发展第十五个五年规划的建议发布，其中 提出，健全现代地方财税金融管理体制。推进财政科学管理试点，加强财政资源和预算统筹，持续深化 零基预算改革。完善国有资本经营预算和绩效评价制度。加强财会监督。健全政府债务管理制度，加强 专项债券"借用管还"全生命周期管理。全面落实税收法定原则，规范税收优惠政策，完善对重点领域和 关键环节支持机制。扎实推进金融体制改革，发挥全国融资信用服务平台作用，积极发展科技金融、绿 色金融、普惠金融、养老金融、数字金融。壮大多层次资本市场安徽板块，推动企业上市"迎客松行 动"计划和"科创100"上市专项行动扩围提质。全面加强金融监管，促进各类金融机构专注主业、完善治 理、错位发展，丰富风险处置资源和手段，构建风险防范化解体系，保障金融稳健运行。 ...

运河之畔，高楼林立，绿色建筑与智能设施相映成趣；产业园区，创新涌动，科创企业与金融机构协同共生。当"十四五"规划圆满收官的号角吹响，北 京城市副中心这片承载着国家战略与首都厚望的热土，已然从一幅宏伟蓝图蜕变为高质量发展的生动实景。在这幅波澜壮阔的发展画卷中，中国邮政储 蓄银行北京分行（以下简称"邮储银行北京分行"）深耕"融入区域建设、服务实体发展、构建全新生态"三大主线，用金融活水滋养城市肌理，用创新实 践书写责任担当，从"战略迁徙"到"深度赋能"，在与北京城市副中心同频共振中，绘就了一幅金融赋能高质量发展的壮丽画卷。 以战略之姿扎根 筑牢城市发展"金融底座" "城市发展到哪里，金融服务就跟进到哪里。"这是邮储银行北京分行始终坚守的发展理念。2024年11月1日，北京邮储大厦正式启用，邮储银行北京分 行完成了向北京城市副中心运河商务区的战略迁徙，成为首家落户这片创新热土的国有大行首都分行。这一决策，既是对京津冀协同发展国家战略的主 动响应，更是对首都区域发展的坚定认同。 初入北京城市副中心，邮储银行北京分行便感受到了区域发展的"温度"与"效率"。运河商务区管委会推出的"一站式帮办服务"，从企业注册登记、办公 ...

a 老年朋友 区分"十五五"期间 银发生活改善计划请查收 优化基本养老服务供给 完善城乡养老服务网络 加强公共设施适老化和无障碍改造 大力发展科技金融、绿色金融、普惠金融、 养老金融、数字金融 我们将加强重大健康问题科技创新,全 面扩大城乡康复护理和安宁疗护等服务 供给,开展老年健康促进行动,加强老 年人健康管理,提高老年疾病综合诊治 和共病管理能力，推行建立长期护理保 险制度,面向残疾、老年等人群推进上 门医疗和家庭病床服务供给,发展家庭 医生服务,更好呵护关爱老年人、残疾 人,体现公共服务的温度和社会的文明 进步。 雷海潮 国家卫生健康委党组书记、主任 稳妥有序实施渐进式延迟法定退休年龄 政策。规范人力资源市场秩序，优化就 业、社保等方面年龄限制政策。深入挖 掘老龄人力资源潜力,推动发展银发经 济,持续增加妇女劳动就业,推进农业 转移人口市民化,稳定劳动参与率。 发展医育、医养结合服务 推行长期护理保险 健全失能失智老年人照护体系 扩大康复护理、安宁疗护服务供给 稳妥实施渐进式延迟法定退休年龄 优化就业、社保等方面年龄限制政策 积极开发老年人力资源 发展银发经济 完善并落实基本养老保险全国统筹制度 加快发 ...

Core Viewpoint - The 19th Huaxia Institutional Investor Annual Conference emphasized the themes of "vitality and resilience, innovation and empowerment," focusing on the future paths for financial development and the role of financial institutions in supporting the real economy [2]. Group 1: Financial Innovation - Tianjin Bank has successfully issued the first batch of technology-oriented innovative bonds in the country and the first in Hebei Province, with technology innovation loans growing by 26.21% year-on-year as of September 2025 [3]. - The bank has developed a specialized product system including equity, debt, loans, funds, and guarantees, and has successfully launched its first leasing business for computing power equipment and private satellite leasing [3]. Group 2: Green Finance - Tianjin Bank has issued the first energy-saving evaluation environmental loan in Tianjin, with significant year-on-year growth in both green bond investments and transactions [3]. - The introduction of innovative green financial products, such as energy evaluation-linked loans and green intellectual property-linked loans, marks an expansion of its green finance product system [3]. Group 3: Inclusive Finance - The bank has implemented the "thousand enterprises and ten thousand households" outreach initiative, with a total credit amount nearing 6.3 billion, leading in new credit issuance among city commercial banks in Tianjin [3]. - Inclusive corporate loans have increased by 51.7% year-on-year, reaching a historical high [3]. Group 4: Pension Finance - Tianjin Bank has upgraded its "Golden Autumn Harbor" pension finance brand and is issuing dedicated financial products, with steady growth in loans for the pension industry [4]. - The bank is integrating financial services into elderly care communities, creating a comprehensive product matrix for pension finance [4]. Group 5: Digital Finance - The bank's digital transformation has been recognized with 26 awards and 37 approved intellectual property rights, providing data support to the National Bureau of Statistics [4]. - The digital transformation efforts have received high praise from the National Bureau of Statistics [4].

Core Viewpoint - The "14th Five-Year Plan" has set a direction for financial institutions, including insurance companies, to achieve high-quality development, emphasizing the importance of reform and innovation in the insurance industry [1][2]. Industry Opportunities - The insurance industry is poised to benefit from four strategic opportunities: 1. **Pension Finance Opportunity**: The aging population and the continuous release of policy dividends for the third pillar of pension will drive the integration of long-term insurance products with health and wellness services [3]. 2. **Health Insurance Opportunity**: The advancement of the Healthy China strategy and deepening of medical insurance reforms will expand the market for commercial health insurance [3]. 3. **Wealth Management Opportunity**: Insurance products, due to their stable long-term value appreciation and inheritance functions, will become more attractive for wealth management [3]. 4. **National Strategy Service Opportunity**: Insurance funds can support the real economy and strategic emerging industries, focusing on intelligent, green, and integrated development [3]. Company Strategy - The company is committed to the "Big Insurance Concept" and aims to strengthen its position as a state-owned financial enterprise by implementing the "New Ten Policies" of the insurance industry [3]. - The strategic direction includes a customer-centric approach, emphasizing team development and employee partnership [3]. Reform and Development - The company will focus on systematic, professional, and market-oriented reforms, enhancing the "insurance + investment + service" model [4]. - It aims to be a "guardian" of customer service by diversifying its insurance product offerings to meet the full lifecycle needs of customers [4]. Financial Support and Investment - The company plans to leverage its long-term capital advantages to support technological innovation, green transformation, and inclusive finance [5][6]. - Investments in technology sectors such as semiconductors and AI are prioritized, with a target investment balance exceeding 90 billion yuan by Q3 2025, reflecting a 20% year-on-year increase [5]. - In green finance, the company has invested over 100 billion yuan in clean energy and environmental protection projects by Q3 2025 [6]. Health and Pension Services - The company is enhancing its product offerings in health and pension sectors to address the growing societal needs, including innovative solutions for elderly care and integrated health services [7][8]. - It is actively participating in the construction of a multi-tiered pension system, focusing on enterprise annuities and personal pension products [8]. Governance and Leadership - The company emphasizes the importance of high-quality party leadership to guide its development, ensuring alignment with national policies and reforms [9][10]. - A focus on political construction and strict governance is intended to foster a positive political ecology and drive reform [10].