新京报讯 10月30日，国家金融监督管理总局办公厅发布关于促进养老理财业务持续健康发展的通知， 全文如下： 各金融监管局，各理财公司及其控股股东，银行业理财登记托管中心： 为深入贯彻党的二十大和二十届历次全会精神、中央经济工作会议和中央金融工作会议决策部署，落实 《国务院办公厅关于发展银发经济增进老年人福祉的意见》（国办发〔2024〕1号）等要求，推动理财 公司扎实做好养老金融大文章，现就有关事项通知如下： 一、稳步扩大养老理财产品试点 （一）试点地区和期限。自本通知印发之日起，养老理财产品试点地区扩大至全国，试点期限三年。 （二）试点机构和额度。理财公司参与试点应当符合开业满三年、经营管理审慎、具备较强长期投资能 力和风险管理能力等审慎监管要求。单家理财公司养老理财产品募集资金总规模上限提高至该机构上年 末净资本扣除风险资本后余额的五倍，金融监管总局可以根据审慎监管原则进行调整。 （三）统筹养老理财产品试点和个人养老金理财业务。理财公司同时参与养老理财产品试点和个人养老 金理财业务的，该机构新发行的养老理财产品可以自动纳入个人养老金理财产品名单。 二、不断完善养老理财产品设计 （四）丰富产品形态。鼓励试点理 ...

以债券、股票、非标准化债权类资产和衍生品等多种方式投资养老领域资产。 国家金融监督管理总局办公厅发布关于促进养老理财业务持续健康发展的通知。其中提出，稳步扩大养 老理财产品试点。自本通知印发之日起，养老理财产品试点地区扩大至全国，试点期限三年。理财公司 参与试点应当符合开业满三年、经营管理审慎、具备较强长期投资能力和风险管理能力等审慎监管要 求。单家理财公司养老理财产品募集资金总规模上限提高至该机构上年末净资本扣除风险资本后余额的 五倍，金融监管总局可以根据审慎监管原则进行调整。 《通知》提出，多元化投资方式。支持理财公司在坚守职能定位、依法合规的前提下，以债券、股票、 非标准化债权类资产和衍生品等多种方式投资养老领域资产。 国家金融监督管理总局办公厅关于促进养老理财业务持续健康发展的通知 金办发〔2025〕83号 各金融监管局，各理财公司及其控股股东，银行业理财登记托管中心： 为深入贯彻党的二十大和二十届历次全会精神、中央经济工作会议和中央金融工作会议决策部署，落实 《国务院办公厅关于发展银发经济增进老年人福祉的意见》（国办发〔2024〕1号）等要求，推动理财 公司扎实做好养老金融大文章，现就有关事项通知如 ...

Core Viewpoint - The article emphasizes the importance of comprehensive retirement planning and the services offered by China Construction Bank (CCB) to enhance the quality of life for retirees through various financial products and personalized services [4][5][10]. Group 1: Retirement Services - CCB has launched the "Healthy and Secure Retirement Nine Enjoyments" service, focusing on not just financial security but also quality of life for retirees [4]. - The bank offers a retirement account system that provides a clear overview of total retirement assets and expected payouts, helping clients manage their retirement funds effectively [5][10]. - CCB has established over 200 specialized retirement financial service outlets across the country, providing personalized, face-to-face assistance [10]. Group 2: Financial Products - The bank has a rigorous product selection mechanism to cater to different age groups, offering a variety of financial products such as wealth management and insurance [7]. - CCB promotes a "Healthy Ecosystem" by integrating high-quality social retirement service resources, providing diverse and valuable retirement benefits [16]. Group 3: Educational Initiatives - CCB conducts nationwide seminars and consultations to educate clients about retirement policies and wealth management, enhancing their understanding of personal pension policies [11]. - The bank has developed a mobile classroom initiative to bring educational resources directly to clients, making retirement planning more accessible [11]. Group 4: Customer Engagement - CCB has introduced the "Elderly Care Club," which organizes various social activities to enrich retirees' lives and expand their social networks [19]. - The bank offers exclusive discounts and benefits through the "Elderly Care Coupons," which can be redeemed by clients aged 50 and above [13][14].

Core Viewpoint - The article discusses the accelerating aging process in China and the increasing burden on the working-age population for elder care, highlighting the need for improved pension systems and financial products to address these challenges [2][5][30]. Summary by Sections Aging Population and Pension Concerns - By the end of 2024, the elderly population aged 65 and above is projected to account for 15.6% of the total population, indicating that China has entered a deeply aging society [2][4]. - The elderly dependency ratio is approximately 4 working-age individuals for every 1 elderly person, increasing the financial strain on the younger population [4]. Public Sentiment on Retirement - 30% of respondents express concerns about insufficient funds for retirement, with over 50% worried about inadequate retirement income, rising medical expenses, and asset depreciation [5]. - A significant shift in attitudes is noted, with only 25% of respondents relying on children for support, reflecting a decline in the traditional "raising children for old age" mindset [6][7]. Sources of Retirement Income - 86% of respondents rely on basic pensions as a primary source of retirement income, underscoring the importance of the first pillar of the pension system [8][10]. - Other sources include financial assets (49%), enterprise pensions (45%), and property-related income (27%) [8]. Savings and Investment Behavior - While 90% of respondents have savings habits, only 54% engage in investment activities, indicating a lack of long-term investment strategies specifically for retirement [10]. - The main savings purposes include emergency/medical needs (65%), retirement savings (55%), and quality of life (48%) [11]. Preferences for Pension Financial Products - 65% of respondents prefer low-risk, stable-return pension financial products, with a desire for features like capital protection and inflation-beating returns [13][14]. - The current scale of China's pension system is only 12% of GDP, indicating significant room for growth [15]. Pension System Structure - The first pillar, basic pension insurance, is heavily reliant on fiscal subsidies, with a reported surplus of 6.31 billion yuan in 2023 [19]. - The pension replacement rate for urban workers is estimated at 45%, below the international warning line of 55% [20][21]. Development of Pension Financial Services - China Construction Bank aims to create a comprehensive pension financial ecosystem, focusing on a "1314" service system to support clients throughout their lives [30][31]. - BlackRock CCB has launched various pension financial products, including the first ten-year pension financial product "Bei Anxin" and personal pension products utilizing advanced technologies [32][33].

近日，厦门国际银行北京分行与对外经济贸易大学老年大学的战略合作签约仪式在对外经济贸易大学举行。此次合作是响应国家老龄工作部 署、助力银发经济的务实举措，标志着双方在探索"金融+教育+养老"融合赋能老年群体领域迈出关键一步。 聚焦需求，创新专属金融产品。围绕养老金融大文章推动产业专业化发展，厦门国际银行北京分行优化投融资政策，为养老用品、医疗器械、 医药制造等相关产业注入金融动能；推出多款符合养老备老需求的金融产品，满足银发群体对资产稳健增值的需求；不断完善账户管理、支付 结算、数智化场景建设等综合金融服务，为怡海老年大学等机构定制开发学费缴纳系统，推动金融服务与老年教育场景的深度融合。 全面升级，优化适老服务体验。面向高龄、行动不便等老年客户，厦门国际银行北京分行提供上门服务与远程视频办理等便利通道，保障金融 服务"不断档"；推广功能醒目、字体放大、覆盖更多老年客群常用场景的"关爱版"手机银行，帮助老年人跨越"数字鸿沟"；在营业网点设 立"银聆驿站"服务专区，配备老花镜、助听器、震动叫号器、爱心座椅等适老设施，提升适老金融服务的专业性与人文关怀。 守护安全，传递敬老爱老温度。厦门国际银行北京分行常态化开展金融 ...

中新网太原10月30日电 (记者 杨杰英)记者从中国人民银行山西省分行获悉，截至2025年8月末，全省科 技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"贷款余额达1.56万亿元，同比增长 14.7%，高于同期各项贷款增速7.4个百分点，金融服务实体经济质效持续提升。 今年以来，中国人民银行山西省分行着力构建金融"五篇大文章"政策体系，形成了具有山西特色 的"1+5"政策框架。该行信贷政策管理处副处长张旭梅表示，这一政策体系为金融服务山西经济转型高 质量发展提供了明确指引和有力保障。 在结构性货币政策工具的精准引导下，山西省金融机构积极运用科技创新和技术改造再贷款、碳减排支 持工具等多种政策工具，带动相关领域贷款投放约645亿元。推动央行资金与地方财政资金协同支持， 有效发挥财政补贴和风险补偿作用，切实带动金融"五篇大文章"相关领域信贷投放。 各重点领域信贷投放呈现齐头并进的良好态势。数据显示，科技金融、绿色金融、普惠金融、养老金融 和数字金融贷款均保持较快增长，同比增速分别达到10.6%、18.4%、17.9%、13.7%和31%，展现出金 融对经济转型升级的全面支撑作用。 为提升金融服务精准度 ...

Core Viewpoint - The strategic cooperation between Xiamen International Bank Beijing Branch and the University of International Business and Economics aims to enhance the financial services for the elderly, aligning with national policies on aging and promoting the silver economy [1][3]. Group 1: Strategic Cooperation - The signing ceremony represents a significant step in integrating finance, education, and elderly care, responding to societal needs [1][4]. - Both parties aim to deepen collaboration in talent cultivation, scientific research, and social services, creating a new model for "finance + education + elderly care" [4][7]. Group 2: Financial Services for the Elderly - Xiamen International Bank Beijing Branch has developed a comprehensive elderly financial service system, addressing the financial needs of the elderly population [9]. - The bank has launched various financial products tailored to the elderly, focusing on stable asset growth and optimizing investment policies for related industries [9]. Group 3: Enhancing Service Experience - The bank provides convenient services such as home visits and remote video transactions for elderly clients, ensuring continuous access to financial services [9]. - Initiatives include a "Caring Version" mobile banking app designed for the elderly, and the establishment of "Silver Listening Stations" equipped with senior-friendly facilities [9]. Group 4: Safety and Community Engagement - The bank conducts regular financial literacy programs to help elderly clients recognize and prevent fraud, thereby safeguarding their financial assets [10]. - Community outreach activities, such as health check-ups and entertainment events, are organized to extend services and foster a caring financial environment [10]. Group 5: Future Outlook - The bank plans to further enhance its elderly financial strategy, focusing on personal and industrial financial services, and building an ecosystem for the silver economy [10].

Core Insights - The article highlights the increasing elderly population in China, with projections indicating that by the end of 2024, there will be approximately 31.03 million individuals aged 60 and above, accounting for 22% of the total population [1] - The government is prioritizing elderly care as a significant national strategy, particularly in response to the challenges posed by an aging population [1][2] - The Long-term Care Insurance (LTCI) system is being established to provide support for elderly individuals with disabilities, aiming to alleviate the burden on families and improve the quality of care [5][10] Group 1: Elderly Population and Care Challenges - As of 2023, the number of disabled individuals aged 60 and above in China reached 46.54 million, with projections estimating this figure will rise to 72.79 million by 2025 [1] - Rural elderly individuals face significant challenges in care due to limited medical resources, transportation issues, and economic constraints [1][3] Group 2: Long-term Care Insurance (LTCI) Implementation - The LTCI system was first piloted in Jiangyin in July 2019, providing essential life care and related medical services for eligible disabled individuals [5][6] - By January 2025, 49 cities had participated in the LTCI pilot, with over 180 million people insured and more than 2.6 million individuals receiving benefits, totaling over 80 billion yuan in expenditures [10][11] Group 3: Company Initiatives and Services - Ping An Insurance has been actively involved in the LTCI project across 8 provinces and 18 districts, serving over 30 million insured individuals and disbursing more than 270 million yuan in benefits [11] - The company has developed a comprehensive healthcare and elderly care ecosystem, integrating insurance, medical services, and technology to enhance service delivery [11][12] - Ping An aims to address the disparities in elderly care services between urban and rural areas, promoting a multi-faceted approach to elderly care that includes home, community, and institutional support [12]

Core Insights - The 11th Beijing International Aging Industry Expo (referred to as "Aging Expo") commenced on October 29, 2025, focusing on the quality of life needs of the elderly in the new era [1] Group 1: Event Overview - The exhibition area of this year's Aging Expo reached 11,000 square meters, significantly larger than previous editions [1] - Over 200 industry enterprises participated, showcasing projects and products in six core areas: travel and health care, smart elderly care technology, age-friendly facilities and products, elderly services, medical care services and products, and elderly financial services and products [1] Group 2: Thematic Focus - The expo emphasized themes such as smart elderly care, integrated medical and elderly care, age-friendly renovations, elderly care services, health tourism, and elderly finance [1] - A smart elderly care experience area was set up to allow seniors to experience the convenience of smart home and health monitoring technologies [1] Group 3: Community Engagement - Activities such as the Silver Age Market, health consultations, and public lectures were organized to address the real needs of the elderly in areas like healthcare, legal matters, and finance [1] - The travel and health care segment aimed to integrate resources from the Beijing-Tianjin-Hebei region, offering unique travel routes such as desert therapy and seaside vacations [1]

Core Insights - The "15th Five-Year Plan" emphasizes the importance of financial development, mentioning finance 17 times, and outlines a roadmap for building a strong financial nation [1][8] Financial Development Initiatives - The plan proposes nine key measures to enhance the financial system, including improving the central bank's framework and establishing a robust monetary policy and macro-prudential management system [1][9] - It highlights the need to develop technology finance, green finance, inclusive finance, pension finance, and digital finance [2][11] Capital Market Enhancements - The plan calls for improving the inclusiveness and adaptability of capital market systems, ensuring a balanced investment and financing relationship [3] - It encourages the development of direct financing methods such as equity and bonds, as well as the steady growth of futures, derivatives, and asset securitization [4] Financial Institution Optimization - The plan aims to optimize the financial institution system, urging various financial entities to focus on their core businesses and improve governance [5] Financial Infrastructure and Digital Currency - There is a push for building a safe and efficient financial infrastructure and the steady development of the digital renminbi [6][7] Financial Regulation and Risk Management - The plan emphasizes comprehensive financial regulation, enhancing collaboration between central and local authorities, and building a risk prevention and resolution system to ensure financial stability [8][13] - It outlines measures to address risks in key areas such as real estate and local government debt, with significant reductions in financing platform numbers and debt levels [14] International Financial Cooperation - The plan highlights the importance of advancing global economic financial governance reforms and maintaining a fair and open international economic order [16] - It reports significant progress in cross-border payment systems and the internationalization of the renminbi, with the currency becoming a major player in global trade financing [17][18] Shanghai International Financial Center - The plan stresses the acceleration of building Shanghai as an international financial center, which is crucial for enhancing China's global financial influence [19]