2024年12月，个人养老金制度完成从36个先行试点城市到全国范围的推广，至此已全面实施满一周年。 《2025中国养老金金融白皮书》数据显示，截至三季度末，全国个人养老金开户人数已突破1.5亿，较 试点阶段实现翻倍增长。这一年，我国养老保险体系"第三支柱"正稳步实现从"开户热"到"缴存兴"的转 型，也折射出大众从"被动等待养老"到"主动规划未来"的观念蜕变。 织密老龄保险保障网 做好老年风险"守护者" 国家统计局数据显示，截至2024年底，我国60周岁及以上老年人口达3.1亿，占全国总人口的22%。随 着年龄增长，老年群体身体机能有所下降，风险保障需求逐步提升。老龄化浪潮之下，"意外防 护"与"疾病保障"已成为社会迫切的民生需求。 今年年初，家住山东济宁的刘阿姨在植树节活动中摔了一跤，没想到这一摔就造成了右肱骨骨折，钢钉 打了10多根。医保报销后，她还需自费承担近15000元。对于以务农为主要收入来源的刘阿姨一家来 说，这不是笔小钱。 作为寿险行业领军者，中国人寿保险股份有限公司（以下简称"中国人寿"，股票代码：601628.SH， 2628.HK）紧扣积极应对人口老龄化国家战略，以个人养老金业务为核心抓手， ...

会议要求，国家开发银行要着力配合宏观调控，精准有力服务实体经济。全力配合更加积极的财政 政策，多措并举支持国家重大战略、重点领域和薄弱环节。认真落实适度宽松的货币政策，加力支持扩 大内需、科技创新、中小微企业等重点领域。着力服务基础设施，助力扩大内需、做强国内大循环。围 绕五大基础设施领域持续加大支持力度，积极配合优化"两重"项目和"两新"政策实施，大力支持中央预 算内投资项目，做好对地方政府专项债券、超长期特别国债支持重大项目的超长期贷款配套融资，继续 发挥新型政策性金融工具作用，加大服务城市更新工作力度。着力服务创新驱动，助力科技创新、因地 制宜发展新质生产力。 12月12日，国家开发银行党委召开会议，传达学习中央经济工作会议精神，落实全国金融系统工作 会议部署要求，研究贯彻落实工作。受国家开发银行党委书记、董事长赵欢委托，国家开发银行党委副 书记、行长谭炯主持会议。 要做好科技金融大文章，积极助力建设现代化产业体系。加快支持适度超前布局新型基础设施和信 息通信网络、全国一体化算力网、重大科技基础设施等建设，支持传统基础设施更新和数智化改造，加 大对国家战略科技力量、关键核心技术攻关、科技型企业支持力度。 ...

（原标题：2025年中国居民退休准备有待完善 养老需求向多元维度转变） 强化行为引导，防止风险错配 《报告》指出，居民的退休责任意识和财务规划认知水平显著提升，但退休计划完善度、储蓄充分度及 对未来收入的信心仍处于相对低位，呈现出"认知强化、行动滞后、信心承压"的结构性特征。《报告》 表示，上述结果反映出我国居民的退休准备已进入从理念认知向行为转化的关键过渡阶段。 老龄化进程加速推动养老需求向多元维度转变 国家统计局数据显示，65岁及以上人口数量从2015年的1.45亿人增长至2024年的2.20亿人，十年间净增 近7500万人。与此同时，劳动年龄人口减少超4400万，我国已进入"深度老龄化社会"。 清华大学经济管理学院讲席教授冯润桓指出，这标志着支撑经济的"人口红利"基石正在松动，然而更具 标志性的变化体现在抚养比上，老年抚养比从2015年的14.3%陡峭上升至2024年的22.8%，老年抚养负 担首次超过并持续高于少儿抚养负担，当前社会完成了从"抚养未来"向"赡养历史"的历史性转变。 《报告》显示，在养老生活预期方面，居民整体态度理性务实，多数希望维持现有生活水准，居家独立 养老仍是首选模式，高品质机构养 ...

编者按 强大的专业能力是金融服务实体经济的前提和保障。大成基金认为，对于公募基金而言，卓越的投研能 力、科学的风控体系以及与之相匹配的资产管理规模，共同构成了服务实体经济的"硬实力"。没有持续 提升的管理规模作为根基，服务实体经济就会流于空谈。 近年来，公募基金行业正主动开展一场深刻的自我变革：积极推动"平台式、一体化、多策略"投研体系 建设，全面推进中长期考核激励机制，持续强化业绩比较基准的重要作用，不断夯实合规风控管理举 措。这一系列扎实的内功修炼，推动公募基金管理规模持续提升，也直接转化为服务实体经济的强大动 能。 为深入学习贯彻党的二十届四中全会精神，中国证券报联合中国证券投资基金业协会推出"学习贯彻四 中全会精神"专栏，邀请部分有代表性的基金管理公司，围绕全会作出的重大战略部署，分享公司组织 学习、深化认识的心得体会，探讨将全会精神转化为服务实体经济、推动基金行业高质量发展具体实践 的思路与规划，努力为全面建设社会主义现代化国家贡献基金力量。 党的二十届四中全会围绕推进中国式现代化作出全面部署，明确提出坚持把发展经济的着力点放在实体 经济上，并就加强建设金融强国进行了专门部署，对金融工作提出更高要求 ...

数字金融是优化金融服务的有力抓手，也是推进科技金融、绿色金融、普惠金融、养老金融等领域 发展的重要支撑。习近平总书记指出，"金融是实体经济的血脉，为实体经济服务是金融的天职，是金 融的宗旨""金融机构要加快数字化转型，提高金融服务便利性和竞争力"。做好数字金融这篇大文章， 需推动金融与数字技术深度融合，延伸金融服务的广度和深度，提升服务实体经济质效，不断满足经济 社会发展和人民群众需求。 数字金融将大数据、云计算、区块链、人工智能等数字技术应用于金融行业，创造出新的产品、服 务和商业模式，有助于打破传统金融信息壁垒、拓展服务边界，让资金更精准、高效地流向实体经济， 为实体经济高质量发展提供有力支撑。 缓解金融服务信息不对称。传统金融服务存在信息不对称问题，金融机构无法准确评估企业和个人 信用风险，对抵押物有一定的依赖性，融资门槛较高。数字金融可以通过深度挖掘数据构建多维度信用 评估体系，为金融机构提供全面准确的客户信息，助力其精准把握企业有效需求和潜在风险，引导信贷 资金精准投向实体经济重点领域和薄弱环节，实现融资结构的优化。数字金融服务平台可以快速精准匹 配实体项目与金融资源，提升服务普惠性与渗透率，降低资 ...

出发，在网点布局、厅堂服务、互联网智能设施等方面，线下和线上一体推进适老化改造。在网点为特 需老年人开设绿色通道，提升老年人业务办理便利性；加强网点现金管理，保障网点现金储备；为方便 老年群体办理业务，在厅堂放置饮水机、手提袋、老花镜、爱心座椅等基础敬老服务设施，进一步提升 老年人服务体验。 除此之外，中国银行杭州市分行还持续开展多样化、创新性的金融服务活动，大力提升该行适老化服 务，加强与老年大学、养老机构的密切合作，持续推进适老化服务意识与能力。同时，围绕"个人养老 三支柱"体系，持续提升银发客群服务能力，致力打造中行养老金融服务品牌。 从一站式养老金融服务助力民众提前规划养老，到陪伴式服务给予老年群体温暖关怀。未来，中国银行 杭州市分行将以此次展会为契机，提升适老服务的深度与广度，不断积极探索，从服务设施、服务理念 等方面持续提升效能，构建多层次服务体系，创新产品供给，优化适老化服务，打造特色化差异化的养 老金融服务，以高质量金融服务赋能杭州养老产业高质量发展。 商报讯（记者 苗露）"小伙子，之前看新闻说，个人消费贷国家有贴息，这个是怎么办的？""我们家里 有一些破损的钱币，可以拿到柜台置换吗？""最近 ...

Core Viewpoint - The article emphasizes the importance of aligning the public fund industry with the strategic directives from the 20th Central Committee of the Communist Party of China, focusing on serving the real economy and promoting high-quality development in the fund industry [2][8]. Group 1: Service to the Real Economy - The public fund industry is tasked with the mission of supporting the real economy, which is essential for its own sustainable growth [3]. - Dachen Fund recognizes the need to enhance the quality and effectiveness of its services to the real economy, aiming to direct financial resources towards innovative and growth-oriented sectors [3][4]. - The company aims to integrate the service to the real economy into its development strategy and daily operations, aligning with the construction of a modern industrial system [3][4]. Group 2: Strengthening Professional Capabilities - Strong professional capabilities are deemed essential for financial services to effectively support the real economy, including excellent research and investment capabilities, a scientific risk control system, and a matching asset management scale [4]. - Dachen Fund has been actively transforming its operations by developing a comprehensive investment research system and enhancing compliance and risk management measures [4]. - The company has seen its total management scale for equity products reach 300 billion yuan, doubling over the past three years, and its fixed-income products reach 400 billion yuan, also nearly doubling [4]. Group 3: Strategic Focus on Key Areas - Dachen Fund is committed to focusing on key strategic areas such as technology finance, green finance, and pension finance, aligning its investment practices with national strategic goals [6][7]. - The company has increased its asset allocation in the information technology sector, with a growing proportion of its public funds directed towards this area [6]. - In green finance, Dachen Fund has integrated ESG factors into its investment decision-making process and has seen its assets in green finance-related funds nearly double over the past three years [6][7]. Group 4: Product Innovation - Product innovation is identified as a crucial approach for public funds to enhance their service to the real economy, addressing the diverse and complex financing needs of market participants [7]. - Dachen Fund has developed a range of innovative products, including ETFs focused on technology and green finance, to better meet the financing demands of strategic sectors [7]. - The company has actively participated in the development of multi-layered capital markets, launching various funds and engaging in new stock issuances and refinancing activities [7]. Group 5: Future Outlook - Looking ahead, Dachen Fund plans to continue its commitment to the principles outlined in the 20th Central Committee's directives, focusing on enhancing professional investment capabilities and innovating practices to contribute to the real economy and national strategies [8].

Core Viewpoint - The article emphasizes the importance of public funds in supporting the real economy and highlights the commitment of Dachen Fund to align its operations with national strategies for high-quality economic development [1][2]. Group 1: Service to the Real Economy - Dachen Fund recognizes that serving the real economy is a fundamental mission of public funds, essential for their own prosperity and development [2]. - The company aims to enhance the quality and effectiveness of its services to the real economy, leveraging its market power to guide financial resources towards innovative and growth-oriented sectors [2][3]. - Dachen Fund's management of various equity products has reached a total scale of 300 billion, doubling in size over the past three years, which enhances its ability to support corporate financing [3]. Group 2: Professional Capability Enhancement - Strong professional capabilities are deemed essential for financial services to the real economy, with Dachen Fund emphasizing the importance of excellent research and investment capabilities, a scientific risk control system, and a matching asset management scale [2][3]. - The company has been actively transforming its investment research system to improve its service quality and adapt to the evolving market demands [3]. Group 3: Strategic Focus and Innovation - Dachen Fund is committed to focusing on key strategic areas, aligning its investment practices with national strategic deployments, and accurately seizing opportunities in the financial sector [3][4]. - The company has significantly increased its investment in technology sectors, with the proportion of assets allocated to information technology rising continuously over the past three years [4]. - Dachen Fund has developed a range of innovative financial products, including ETFs focused on technology and green finance, to better meet the diverse financing needs of the market [5]. Group 4: Future Outlook - Looking ahead, Dachen Fund plans to continue its commitment to serving the real economy, enhancing its professional investment capabilities, and contributing to national strategies and the growth of residents' wealth [6].

Core Insights - The 19th Shenzhen International Financial Expo successfully concluded, showcasing Shenzhen's financial strength and exploring new paths for financial services to the real economy [1] - The expo highlighted Shenzhen's ambition to become a globally influential industrial financial center by 2025, focusing on six key areas including financial technology and cross-border RMB services [7][8] Group 1: Scale and Participation - The expo attracted 47,400 attendees from 25 countries and regions, marking a 58% increase year-on-year, demonstrating significant internationalization and professionalism [2] - A record 288 financial institutions and enterprises participated, with a year-on-year growth of 80%, creating a diverse financial ecosystem [2] - Major financial institutions, including the Shenzhen Stock Exchange and various state-owned banks, showcased their latest products and services [2] Group 2: Key Themes and Innovations - The expo focused on five major themes: technology finance, green finance, inclusive finance, pension finance, and digital finance, releasing 18 new policies and innovative products [3] - Notable innovations included the launch of a global risk management feature for SMEs and the establishment of the first digital RMB application lab for agricultural supply chains [4] Group 3: Technology Integration - Over 30 fintech companies showcased advancements in AI risk control, smart investment advisory, and blockchain applications, emphasizing the deep integration of technology and finance [5] - Huawei and 11 partners presented solutions in financial AI models and resilient infrastructure, highlighting successful digital transformation cases [6] Group 4: Future Planning - The expo served as a platform for outlining Shenzhen's future plans, aiming to create a comprehensive financial service system covering all stages of enterprise development [7] - The event underscored the need for a profound transformation in the financial ecosystem to support the shift towards technology-driven economic growth [7]

一直以来，中央结算公司立足服务实体经济发展大局，积极支持债券市场直接融资，助力金融"五篇大文章"，引导债券资 金投向科创、绿色、小微、乡村振兴及养老等相关领域。中央结算公司将持续深入学习贯彻党的二十届四中全会精神，以金 融"五篇大文章"深耕实践为抓手，持续优化金融产品与服务，助力债券市场高质量发展。 （编辑 黄力） 中央结算公司12月16日发布消息称，日前，中央结算公司支持青岛农村商业银行股份有限公司（以下简称"青岛农商银 行"）成功发行"25青岛农商"，发行规模5亿元，期限3年，票面利率1.85%，本次债券发行使用中央结算公司区块链数字债券平 台簿记建档。 本期债券的募集资金专项用于投放养老产业贷款，是青岛农商银行积极响应国家战略、深耕养老金融的务实举措。近年 来，青岛农商银行将养老金融作为践行金融"五篇大文章"的重要抓手，持续探索养老金融与实体经济深度融合路径，推动养老 产业高质量发展。 本报讯 （记者韩昱） ...