9月26日，信达证券发布公告称，董事长艾久超因工作安排调整辞去公司第六届董事会董事长及相关职务，同时选举林志忠为公司第六届董事会董事长。 林志忠此次职务变动备受市场关注，因其原任中国信达旗下中国金谷国际信托有限责任公司党委书记、董事长。 这位在中国信达体系内历练多年的"老将"短短半年内从信托公司掌门人转身成为券商董事长，标志着中国信达在股权划转至中央汇金后，对旗下金融资源 整合及业务协同进一步深化。 信达系老将林志忠调任 在林志忠短暂执掌金谷信托期间，这家央企背景的信托公司展现了良好的发展势头。 2024年，金谷信托交出了一份满意的答卷，实现营业收入14.11亿元，利润总额7.42亿元。 2025年上半年，金谷信托业绩继续保持快速增长，实现利润总额6.02亿元，在52家信托公司中排名前10；净利润4.5亿元，行业排名进入前15。 截至2024年6月30日，公司管理资产规模达3229亿元，较年初增长74%。 财富销售金额637亿元，同比提高142%，顺利实现"时间过半、任务过半"和"营收净利双增长"目标。 这些亮眼数据表明，在金谷信托期间，林志忠领导公司实现了业务规模的快速扩张与经营效益的显著提升。 此次人事变 ...

Group 1 - The core viewpoint of the articles emphasizes the efforts of the Weifang banking sector in promoting high-quality financial services to support economic development, particularly through technology finance, green finance, inclusive finance, and digital finance [1][11][30] - Weifang banks have established 14 technology branches or specialized institutions to enhance financial support for technology enterprises, resulting in significant growth in loans to high-tech and specialized small and medium-sized enterprises [3][4] - The banking sector has seen a rapid increase in green credit, with a balance of 215 billion yuan as of June 2025, reflecting a growth rate of 13.36%, which is higher than the average growth rate of other loans [11][30] Group 2 - The Weifang banking industry has implemented various financing solutions for local enterprises facing capital constraints, such as providing tailored financing plans and quick loan approvals to support production expansion [4][14][21] - The introduction of innovative financial products like "订货快贷" (Order Quick Loan) has significantly improved loan approval efficiency for small and micro enterprises, reducing processing time from weeks to minutes [22][35] - The establishment of a dedicated pension finance service team has led to a substantial increase in loans directed towards the elderly care industry, with a loan balance of 6.45 billion yuan as of mid-2025, marking a growth of 159.13% [30][32] Group 3 - The Weifang banking sector is actively enhancing digital financial services, with 27 banks implementing digital credit approval systems, resulting in a 40.92% increase in loans to the digital economy sector [34][35] - The development of a cloud platform for photovoltaic payment solutions has attracted over 40 local photovoltaic companies, facilitating efficient payment processes and addressing cash flow challenges in the industry [34] - The use of patent pledges as a financing solution has enabled high-tech companies to secure funding despite lacking traditional collateral, demonstrating the innovative approaches being adopted in the banking sector [35]

今年是"十四五"规划收官之年，是贯彻党的二十届三中全会精神的重要一年。为落实山东金融监管局有关工作要求，更好展示城商行秉承高质量发展理念， 坚守职能定位，深入做好金融"五篇大文章"的新亮点、新成效，山东省银行业协会组织开展了"山东银行业城商行新闻媒体一线行"宣传活动。近日，宣传活 动走进潍坊银行。 潍坊银行成立于1997年8月，2018年完成股权结构优化，是潍坊市规模最大的地方国有法人银行。现有员工3100余人，共有134处营业网点，控股设立青岛西 海岸海汇村镇银行，营业机构覆盖潍坊各县市区和青岛、烟台、临沂、滨州、聊城等地市。近年来，潍坊银行聚焦做好金融"五篇大文章"，坚守"服务城乡 居民、服务中小企业、服务地方经济"的市场定位，盯紧"保安全、保盈利，提质量、提效益"的"双保双提"目标，突出"调结构、控风险、强合规、降成本、 扩客群、增效益、创品牌"七项重点工作，严格落实各项监管要求，凝心聚力，真抓实干，扎实推进高质量发展，着力打造客户满意、监管认同、党委政府 信任的高质量发展的标杆银行。截至8月末，资产总额达到3320亿元，存款2655亿元，贷款1930亿元，分别比年初增长9.2%、12.1%、11.7% ...

针对"医保报销有限"的痛点，中信银行升级养老账本"医疗健康"模块，提倡以基本医保为基础，通 过"三笔钱"规划配置商业健康保险，筑牢健康防护网。财务规划上，则建议在基本养老保险之外，搭配 个人养老金、养老年金保险等多支柱保障，为晚年生活储备稳定现金流。 在服务生态拓展上，中信银行APP上线"养老地图""养老社区"模块，汇聚全国29个城市67家养老社区及 周边机构、老年大学等资源；同时深化集团协同，联合旗下专业机构构建全生命周期养老金融生态圈， 满足多元化需求。 未来，"时光有信"系列活动将持续陪伴客户，中信银行也将坚守"金融为民"初心，以创新服务为长寿时 代的养老规划注入动能，助力更多人实现健康富足的晚年生活。 此次"健康季"是中信银行"时光有信"系列活动的延续。2024年，该行以"老友季"为主题，通过六场全国 对谈打破养老话题边界；2025年则聚焦"健康到老"，将养老金融与大健康深度融合，以跨界思维打 造"幸福到老"综合解决方案，从单纯的金融服务延伸至"金融+健康"的全维度关怀，构建有温度的养老 服务新生态。 作为国内较早布局养老金融的银行，中信银行立足全生命周期理念，持续升级"幸福+"养老金融服务体 系。2 ...

中新网北京9月28日电 (记者 王恩博)当前，以大数据、人工智能为代表的数字技术正深刻重塑金融业 态。以"相濡以沫相助成长——共探数智生态赋能养老金融之路"为主题的第四届银行保险合作发展论坛 近日在北京召开，与会专家指出，银行保险机构亟须通过数据共享与生态协同，拓展养老服务与财富管 理新路径，共同应对时代变局。 建设银行研究院副院长宋效军表示，银行、保险机构要树立起大视野、大格局，共同发挥银保联动优 势，全力打造养老金融新生态，充分利用数字化手段提升银保联动服务效率与客户体验。 大家人寿党委书记、总经理郁华表示，近五年来，大家人寿银保渠道业务转型成效显著，在养老社区联 动保险业务开拓、高净值客户保险服务等方面的能力大幅提升。期待通过数智转型和生态赋能，与更多 银行伙伴共同书写好金融"五篇大文章"。 本次论坛由大家保险集团主办。国有银行、股份制商业银行、各城市商业银行和农村商业银行等全国近 百家银行代表，以及来自中国银行业协会、中国保险行业协会、资管公司、养老服务公司、有关研究机 构的专家和学者参加会议。(完) 业界普遍判断，利率下行或成为未来一段时期我国金融业运行常态，低利率环境下金融机构面临"资产 收益"与 ...

Core Viewpoint - The publication of "China's Pension Finance" addresses the urgent need for financial solutions to meet the growing pension demands in China due to an aging population, projected to reach 310 million people aged 60 and above by the end of 2024 [1][2]. Group 1: Importance of Pension Finance - Pension finance is significant for expanding long-term capital supply, acting as a source of "patient capital" [2] - It alleviates fiscal pressure politically and enhances the status of laborers [2] - Culturally, it promotes long-termism, aligning with the prudent financial culture of China [2] - Socially, it fosters equity and intergenerational balance [2] - It contributes to ecological civilization by promoting green investment and sustainable development [2] Group 2: Structure and Content of the Book - The book is structured into two main parts based on the life cycle: one focusing on pre-retirement financial systems to enhance pension capabilities, and the other on supporting pension services and products during retirement [1] - It employs a writing style that combines theory, data, charts, case studies, and recommendations, making it accessible for both academic and public audiences [2] - The book has received support from national research projects, indicating its academic and practical relevance [2] Group 3: Broader Implications - "China's Pension Finance" serves as a systematic academic support and practical pathway for building a pension finance system in China, highlighting the role of finance in enhancing public welfare and supporting development [2]

Core Viewpoint - Postal Savings Bank of China Beijing Branch integrates its development into the overall economic and social development of the capital, focusing on providing modern financial services that meet diverse citizen needs and contribute to high-quality economic growth [1][18]. Group 1: Financial Service Efficiency - The bank enhances financial service efficiency through technology empowerment and process innovation, ensuring that financial resources reach the demand side more accurately and quickly [4][5]. - A closed-loop model of "online application + on-site service" has been introduced for small loans, allowing customers to apply via mobile banking and receive tailored solutions from dedicated loan officers [4][5]. - The bank collaborates with government departments and industry associations to address financing challenges faced by small and micro enterprises, optimizing product services and improving efficiency [4][5]. Group 2: Elderly Financial Services - The bank focuses on elderly financial services, addressing the needs of an aging population by providing stable asset allocation solutions and enhancing service quality [6][7]. - A diverse range of pension financial products is offered, including wealth management and insurance products, to meet the core demands of elderly clients for stability and safety [7]. - The bank has established an "age-friendly" service system, ensuring that elderly clients can access financial services without barriers, including physical accommodations and user-friendly technology [8][9]. Group 3: Community Engagement and Support - The bank has initiated the "Golden Sunshine Station" project to create a community space for elderly clients, offering health lectures and social activities to foster community engagement [9][10]. - The "Golden Sunshine Club" organizes events to promote health and social interaction among elderly clients, enhancing their quality of life [10]. - The bank prioritizes the financial safety of elderly clients by providing education on fraud prevention and ensuring secure banking practices [10][13]. Group 4: Social Responsibility and Emergency Response - In response to extreme weather events, the bank has implemented measures to support affected businesses and residents, including loan extensions and simplified approval processes [15][16]. - The bank has launched initiatives to assist residents in rebuilding after disasters, offering favorable loan terms and material subsidies to ease financial burdens [17]. - The bank's commitment to social responsibility is evident in its proactive approach to community support during crises, reinforcing its role as a reliable financial partner [15][16].

Group 1 - The financial industry in China is experiencing significant growth and achievements, reflecting a robust development trajectory over the decades [1] - The upcoming 2025 Insurance and Trust Industry High-Quality Development Conference will focus on the theme "Long Money, Long Investment, Long Green," emphasizing the importance of these sectors in supporting the real economy and enhancing social welfare [2][4] - The Chinese government is implementing structural reforms in the financial supply side, introducing policies to improve service quality, risk management, and innovation within financial institutions [2] Group 2 - The insurance and trust industries are presented with new development opportunities and challenges, necessitating a strategic alignment with policy directions and an enhancement of core competitiveness [2] - Financial technology is highlighted as a key enabler for innovation in service models, aimed at meeting diverse customer needs [2] - Strengthening risk management is identified as a critical issue for ensuring financial security within the industry [2] Group 3 - The Golden Bull Awards, organized by China Securities Journal, are recognized as one of the most credible and influential awards in China's capital market, promoting healthy development in the asset management industry [3]

Core Insights - The commercial pension insurance market in China, although still small, has significant value across the entire pension industry chain, from financing to payment, investment, and services [1][2] - The third pillar of pension insurance, particularly commercial insurance, is gaining attention due to its ability to create a comprehensive system that integrates financing, payment, investment, and services [1][2] - The market for commercial pension insurance is expected to grow significantly, with projections indicating a market size exceeding 100 billion yuan in 2024, a substantial increase from 18 billion yuan in 2023 [2] Group 1: Market Dynamics - The current pension insurance system in China consists of three pillars: basic pension insurance, enterprise annuities, and personal pension systems, with commercial insurance products playing a crucial role in the third pillar [2] - The insurance sector is focusing on developing long-term care insurance products and integrating insurance with pension services as a new growth direction [2][3] - Despite the potential, the fundraising capability of pension insurance remains weak compared to the banking sector, with the insurance channel holding a significant market share [3] Group 2: Challenges and Innovations - The acceptance and awareness of pension insurance products among the public are critical challenges, with recent discussions highlighting misunderstandings about tax incentives for personal pensions [3][4] - Innovative products often face hurdles in market acceptance due to macroeconomic factors, legal issues, and social ethics, as illustrated by the example of reverse mortgage insurance [4] - The development of commercial long-term care insurance is still in its infancy, with challenges including matching social care capabilities to demand and ensuring investment returns [5] Group 3: Growth Potential - The changing landscape of household financial assets in China presents significant growth opportunities for commercial pensions and life insurance [5] - Despite being the second-largest insurance market globally, China's insurance premium income is only 22% of that of the United States, indicating substantial potential for growth in the commercial insurance sector [5]

尽管我国商业养老保险市场规模还较小，但其价值已渗透在筹资、支付、投资到服务的养老产业全链 条。随着制度性创新不断推进，如何解决商业养老金融产品"叫好不叫座"的问题，关乎在第一支柱占比 过大、第二支柱发展缓慢的背景下，第三支柱能否补位。 在近日举办的2025首届智慧老龄与银发经济会议上，中国太平洋人寿保险公司原董事长、保险服务生态 网络ISE发起人徐敬惠表示，在养老第三支柱中，保险之所以受到各界的重视和认可，很大程度上是因 为它有别于其他养老金融产品，可以构建从筹资、支付、投资到服务"四位一体"的全链条、全功能闭 环，其精算和投资优势还能进一步延伸至第一、二支柱的基金受托管理，与第三支柱形成个人养老金账 户信息、产品和资金的互通，协同构建多层次养老保障体系。 以养老服务为例，他提及了一组数据：据不完全统计，到今年上半年，全国已有13家保险机构投资了60 个养老社区，覆盖20个省市，提供床位约八万张。如果加上以轻资产模式"入局"的养老社区，涉及养老 社区数量已超过150个。 近期多家险企发布的半年报也均提到，广泛参与养老第三支柱建设，加大对商业长期护理保险产品以及 满足备老、养老和失能等人群商业养老保险产品、健康 ...