来源：中国信托业协会 随着人口老龄化深化，养老保障体系第二支柱建设步入"快车道"。面向机关事业单位的职业年金，市场 规模已突破3万亿元，增长潜力巨大。这片长期、稳定、规模庞大的"蓝海"，正吸引各类金融机构竞 逐。在银行、保险等传统参与者外，信托公司正凭借独特制度禀赋与专业能力，加速切入市场，试图在 壁垒高筑的领域开辟转型新路径。 头部领跑：中信信托"攻城掠地" 2025年，中信信托在职业年金领域展现出强劲的"攻城掠地"态势。最新战果是成功入围重庆市机关事业 单位职业年金积极型计划受托机构。这仅是其一连串区域突破的最新一环。 记者发现，中信信托已布局广东、浙江、辽宁、广西等省份。2023年，公司中标海南省职业年金计划受 托人替补资格，并落地全国首单职业年金受托人变更项目。2025年扩张步伐加快：5月，接连斩获山东 省、北京市新增职业年金计划受托人资格，同月中标新疆生产建设兵团新建职业年金计划法人受托机 构；8月，与海南省社会保险服务中心正式签署海南省拾贰号职业年金计划受托管理合同，标志着全国 具备职业年金受托资质的12家机构全部参与该省运营。至此，其省级布局已覆盖至少7个地区，全国性 养老金融服务网络日趋完善。 ...

Group 1 - The 2025 China Enterprise Competitiveness Forum aims to discuss the future competitiveness of Chinese enterprises and the financial sector's role in enhancing this competitiveness [4][12][36] - Keynote speeches will focus on topics such as the development of pension finance and its contribution to high-quality elderly care [14][36] - The forum will feature discussions on how financial services can empower the real economy and foster new productive forces [21][36] Group 2 - The event is organized by China Business Journal, highlighting its significance in the business community [6][12] - Various financial institutions and experts will present case studies showcasing successful strategies and innovations in the financial sector [41][44] - The forum is expected to provide insights into the integration of technology and finance, particularly in the context of digital transformation [20][36]

党的二十届四中全会审议通过的《中共中央关于制定国民经济和社会发展第十五个五年规划的建 议》（以下简称《建议》），对未来五年我国经济社会发展作出了顶层设计和战略擘画。保险作为现代 经济的重要产业和风险管理的基本手段，被赋予了更加重要的使命和更加广阔的发展空间。 "我国保险业已进入战略赋能期，行业发展不再局限于规模扩张，而是深度融入国家发展大局，在 服务国计民生中实现自身价值。"中国社会科学院保险与经济发展研究中心主任郭金龙在接受《金融时 报》记者采访时表示，"十五五"时期是我国保险业高质量发展的关键五年，也是从"规模扩张"向"价值 创造"转型的攻坚期。在战略定位升级、发展空间拓展与风险挑战并存的关键时期，保险业需主动加快 全方位转型，打造高质量发展新引擎。 上述判断标志着我国保险业进入战略赋能期，其发展不再局限于规模扩张，而是深度融入国家发展 大局，在服务国计民生中实现自身价值。 《金融时报》记者：《建议》提出"大力发展科技金融、绿色金融、普惠金融、养老金融、数字金 融"。做好金融"五篇大文章"不仅事关金融强国建设，而且为金融服务实体经济高质量发展提供了根本 遵循和行动指南。基于这一视角，"十五五"时期，保险业 ...

朱兆文：做好普惠金融大文章，需要为"三农"、小微、科技型企业等提供有针对性的服务。结合吉林省 经济产业特征，中国人民银行吉林省分行推动差异化的政策制定及创新实践，以增强普惠群体的金融服 务可获得性。具体措施如下： 深入实施中小微企业金融服务能力提升工程，组织银行机构建立金融服务小微企业授权、授信、尽职免 责、内部激励等"四张清单"，优化内部政策安排，促进敢贷愿贷能贷会贷。创新"经营快贷""小微快 贷"等信用贷款产品，积极推广随借随还贷款模式。开展金融支持民营企业高质量发展专项行动，开 展"民营企业金融服务季""为民营企业办好一件事"等活动，强化民营企业贷款支持。截至2025年9月 末，全省小微企业贷款余额较2020年末增长71.2%，授信户数增长58%。 聚焦涉农重点主体，开展金融支持小农户、农业产业化联合体、新型农业经营主体等专项行动，建 立"重点主体名单+银行精准对接"服务机制；深化推广"核心企业担保+存货监管+价值评估"等链式金融 服务模式，构建涵盖全产业链主体金融服务模式。截至2025年9月末，全省涉农贷款余额6396亿元，占 各项贷款比重22.5%。聚焦农业产业链提档升级，开展粮食产能提升等专项行动 ...

业绩增长突飞猛进 万亿规模筑牢发展基石 "十四五"期间，成都银行始终以"稳健经营、高质量增长"为导向，交出一份亮眼的经营业绩答 卷，实现历史性跨越，资产规模从2020年末的6524.34亿元跃升至万亿级别，一举成为西部城商行 中首个迈入"万亿俱乐部"的成员。截至2025年9月末，该行总资产规模已达1.38万亿元，较年初增 长10.81%，继续保持稳健的增长步伐。 在资产规模稳步扩张的同时，成都银行的存贷款业务连续4年呈现千亿级增长态势。截至2024年 末，存款总额8859亿元，较上年末新增1054.38亿元，同比增幅13.51%；贷款总额达到7426亿元， 较上年末新增1168.26亿元，同比增幅18.67%，存贷比达到83.8%，资产结构进一步优化。该行持 续加大信贷投放力度，为区域实体经济注入强劲的金融动能。 □金宇杏 "十四五"以来，扎根巴蜀二十七载的成都银行，始终锚定国家战略与区域发展脉搏，坚守"服务地 方经济、服务小微企业、服务城乡居民"初心，深耕科技金融、绿色金融、普惠金融、养老金融、 数字金融"五篇大文章"，实现规模、效益、质量三维跃升。其间，该行连续跻身英国《银行 家》"全球银行1000强"与 ...

Group 1 - The core viewpoint of the articles emphasizes the opportunities and challenges facing China's financial industry as it approaches the end of the "14th Five-Year Plan" and prepares for the "15th Five-Year Plan" [1] - The "2025 Excellence Competitiveness Financial Forum" aims to explore paths and models for high-quality financial development, focusing on topics such as structural transitions, pension finance, financial technology, and digital transformation [1] - The financial industry is urged to enhance its alignment with the real economy and improve its service precision and resilience in response to the evolving economic landscape [1] Group 2 - Zhang Rongwang highlights the importance of the financial sector as a key pillar of national competitiveness and stresses the need for innovation and reform to drive high-quality development [4] - Huang Zhuo discusses the transformative impact of generative artificial intelligence on human-computer interaction and its potential to enhance productivity across various sectors, including finance [6] - Zhao Feng points out the risks associated with an aging population, emphasizing the need for sufficient pension funds and care for the elderly [8] Group 3 - Han Dong emphasizes that improving financial quality and efficiency requires a holistic approach, integrating advanced productivity elements such as technology and culture into the digital transformation of banks [10] - Chen Li notes the capital market's critical role in supporting the real economy, particularly through diversified financing platforms for new quality productivity-related enterprises [12] - Sun Haitao outlines a systematic approach for financial institutions to provide targeted support in key areas, including top-level design and cross-sector collaboration [14] Group 4 - Zhang Guanghua discusses the growing importance of insurance in supporting the real economy, particularly in technology finance, and highlights significant investments made by his company in this area [16] - Wang Hui emphasizes the need for investment institutions to enhance their research capabilities and collaborate with leading financial entities to expand their project sources [18] - Deng Jia describes the development of a product positioning framework at CITIC Group that aligns with national policies and incorporates digital and risk control elements [20] Group 5 - Xue Hongyan outlines the benefits of attracting long-term capital into the market, including providing necessary funds for innovative enterprises and reducing market volatility [22]

Core Insights - National Pension Insurance Co., Ltd. has entered into a strategic cooperation project with Allianz Investment, marking the first collaboration following their capital increase and strategic investment [1][2] - The partnership aims to integrate National Pension's digital retirement planning services with Allianz's advanced asset allocation capabilities, creating a comprehensive solution for personalized and intelligent retirement asset management [1] Group 1: Strategic Collaboration - The collaboration will leverage Allianz's global pension asset allocation models and capabilities through its wholly-owned subsidiary, Allianz Fund, in China [1] - The project will provide a one-stop solution that includes goal planning, portfolio configuration, account services, transaction execution, and long-term support for retirement financial planning [1] Group 2: Market Context and Goals - Allianz Fund's Chairman and General Manager, Shen Liang, emphasized the need for personalized asset allocation and systematic solutions in China's retirement finance sector, which is evolving into a wealth management 2.0 phase [1] - The partnership aims to combine international best practices with local conditions in China, enhancing service efficiency and improving pension fund management capabilities [2]

Core Viewpoint - The 20th Central Committee's Fourth Plenary Session has outlined a strategic framework for China's economic and social development over the next five years, emphasizing new and higher requirements for financial work. CITIC Prudential Life Insurance aims to integrate its development into the national strategy while focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [1][10]. Strategic Transformation Driving Development - CITIC Prudential Life Insurance is guided by the Party's innovative theories and has implemented the "1628" strategic plan, which focuses on innovation as a driving force. This plan includes six key projects aimed at enhancing service capabilities and achieving a comprehensive upgrade from "risk compensation" to "service empowerment" [11][12]. - The company's performance reflects the success of its transformation, with insurance business revenue reaching 27.833 billion yuan and net profit at 3.14 billion yuan for the first three quarters of 2025. Total assets exceeded 270 billion yuan, and the asset management scale of its subsidiary approached 370 billion yuan. The solvency ratios are well above regulatory requirements, with a comprehensive solvency ratio of 215% and a core solvency ratio of 110% [2][11]. Focus on Pension Finance - Pension finance is a core area for CITIC Prudential Life Insurance, directly impacting the well-being of families. The company views the national strategy for addressing population aging as a significant opportunity and aims to develop a comprehensive pension finance system [3][13]. - The company has optimized its product structure, achieving a 606% year-on-year increase in sales of pension-related products by September 2025, indicating strong market recognition of its pension solutions [3][13]. Comprehensive Advancement in Financial Services - In addition to focusing on pension finance, CITIC Prudential Life Insurance has made solid progress in other areas, demonstrating a systematic approach to serving the needs of the real economy and people's livelihoods [4][14]. Technology Finance - The company leverages its stable long-term insurance funds to support advanced manufacturing and technological innovation, serving over 440 national-level specialized and innovative enterprises and providing group insurance services to nearly 160 related companies [5][6][15]. Green Finance - CITIC Prudential Life Insurance actively implements the "dual carbon" strategy, integrating ESG principles into investment decisions. By September 2025, the scale of its green and social responsibility investments reached 21.527 billion yuan, ranking among the top in the joint venture life insurance sector [7][16]. Inclusive Finance - The company remains committed to the principle of "finance for the people," innovating inclusive insurance products that cover both the elderly and children. By mid-2025, inclusive life insurance had effectively covered 631,900 individuals, with a total effective insurance amount of 97.04 billion yuan [8][17]. Digital Finance - CITIC Prudential Life Insurance is advancing "customer management digitization" as a strategic initiative, enhancing the application of big data and artificial intelligence. This has led to significant improvements in electronic insurance applications, smart underwriting, and claims efficiency [9][18].

Core Viewpoint - CITIC Bank was awarded "Bank of the Year China 2025" by The Banker magazine, highlighting its exceptional brand building and comprehensive service matrix that meets customer needs across various sectors [1] Group 1: Brand Activities and Value Communication - CITIC Bank emphasizes its core value of "Wealth with Warmth" through brand activities, including the "信·新" forum focused on financial empowerment for consumption [2] - The bank's continuous engagement in sports and cultural events enhances brand recognition and emotional connection with the audience, showcasing its commitment to the "financial for the people" philosophy [3] Group 2: Business Layout and Performance - CITIC Bank maintains a robust performance across its three main business segments: retail, corporate, and financial markets, ensuring balanced development in quality, efficiency, and scale [5] - In retail banking, CITIC Bank focuses on wealth management, achieving a retail AUM of 5.26 trillion yuan and a year-on-year growth of 13.59% in wealth management income [5][6] - The corporate banking segment has seen a general corporate loan balance of 2.974 trillion yuan, with a year-on-year increase of 10.99%, particularly in manufacturing and private sector loans [6] Group 3: Social Responsibility and ESG Initiatives - CITIC Bank integrates ESG principles into its brand practices, engaging in various charitable activities and educational support programs to assist underprivileged groups [7] - The bank has been recognized for its contributions to rural revitalization and green finance, being the only commercial bank rated "Excellent" in the 2024 rural revitalization assessment [9] - CITIC Bank's brand value reached $16.95 billion, marking a 27.23% increase, and it achieved an upgrade to AAA in the latest ESG ratings by MSCI [9]

中国外贸信托对养老金融的理解，并未止步于理论阐释或单一案例，同时将这种制度认知转化为一系列 深入社会肌理的创新实践。就在盛典前夕的11月，中国外贸信托在贵州省成功落地了首单特殊需要信 托，为一位因精神疾病长期漂泊、后被政府寻回安置的陈女士量身定制的养老资金保障方案。该信托通 过司法、行政、社区与金融多方协同的模式，在法院指定社区居委会为合法监护人的法律基础上，由信 托公司担任受托人，专业管理养老资金，确保其用于受益人的照护与生活，从制度上解决了特殊困难群 体的养老难题。 这并非孤例。早在十余年前公司开启家族信托业务时，就关注到养老客户需求，并为其提供配套的养老 权益和养老服务。随着信托的普惠化，公司充分发挥服务信托的特点，进一步扩大服务人群。2024年， 公司创新推出"意定监护+特需信托"的养老服务信托，先后为北京、重庆、贵州等地的多位独身老人破 解孤老困局。2025年4月，公司积极响应北京不动产信托登记试点，落地北京首单不动产信托，满 足"422"双独家庭的养老、育儿、公益慈善等多种需求，也为信托装入多样资产、提供养老服务打造新 范本。截至目前，中国外贸信托养老信托相关业务存续规模超20亿元，累计为超900 ...