Core Viewpoint - China Everbright Bank's Beijing branch is committed to enhancing the quality of life for citizens by integrating financial services with public needs, focusing on areas such as pension finance, consumer rights protection, and specialized services for the elderly [1][2][3]. Group 1: Pension Financial Services - The bank aims to create a comprehensive pension financial service ecosystem to meet the diverse needs of the aging population, providing services that cover various aspects of life such as clothing, food, housing, transportation, travel, education, and healthcare [2]. - As of the end of September, the bank has issued 116,000 third-generation social security cards, with 97,000 issued this year, and opened 127,000 personal pension accounts with a total deposit of 23 million yuan [3]. - The bank has also promoted the "ICBC Ru Yi Pension Collective Plan," with an enterprise annuity scale of 66.5 billion yuan, an increase of 6.9 billion yuan since the beginning of the year [3]. Group 2: Specialized Service Centers - The first "Pension Financial Service Center" was established in January 2025, marking a new phase of specialized and refined pension financial services [4]. - The bank has implemented seven exclusive services for elderly clients, including dedicated service windows and personnel, and has introduced additional unique services such as "Elderly Stations" and "Elderly Class" activities [4]. Group 3: Digital and Technological Innovations - The bank has developed an online service platform to assist elderly clients who may struggle with technology, including a simplified mobile banking version with larger fonts and essential functions [6]. - The "Respect for the Elderly" service interface was launched in smart counters, and various apps have been optimized for elderly users, enhancing their financial service experience [6]. Group 4: Consumer Rights Protection - The bank has established a comprehensive consumer rights protection system, focusing on mechanisms for dispute resolution, knowledge education, and digital empowerment [7][8]. - A dedicated consumer protection management system has been developed to ensure proactive monitoring and management of consumer rights issues [9]. Group 5: Community Engagement and Education - The bank has created a financial education system targeting key demographics, including new citizens, youth, the elderly, and rural residents, to promote financial literacy and risk awareness [10][12]. - Engaging community activities, such as "3.15 Day" events and educational workshops, have been organized to enhance public understanding of financial products and consumer rights [12][14]. Group 6: Commitment to Social Responsibility - The bank emphasizes its commitment to serving the public, especially during emergencies, by providing timely support and services to those in need [19][20]. - Initiatives such as community service activities and financial education campaigns reflect the bank's dedication to improving the lives of citizens and fulfilling its social responsibilities [18][20].

在了解到辖区内食品公司有大量中老年女工急需办理工资卡后，湘潭天易农商银行响塘支行迅速行动， 组建金融服务小分队，携带移动终端设备，将银行柜台"搬"进了企业车间。在企业会议室搭建的临时服 务点，工作人员高效办理工资卡开户、激活等业务，并免费为其开通短信提醒、微信绑定、手机银行等 增值服务，确保资金安全便捷，累计为该企业员工完成开卡、手机银行激活及一键绑卡业务150余笔， 并同步发放了金融知识手册。 清晨，在湖南湘潭某食品有限公司的包装车间里，两鬓斑白的张阿姨正进行着分拣工作。工作服口袋里 那张带着银行封套的崭新工资卡，让她心里暖意融融。"以前到镇上办卡，来回有好几里路，耗时费力 还耽误干活，现在银行直接把服务搬到咱流水线旁，我们这些老姐妹可省心了。"张阿姨的感慨，道出 了车间百余名中老年女工的心声。 随着我国老龄化程度加深，"银发就业"群体日益壮大，其对金融服务便捷性与安全性的需求越发凸显。 为切实写好"养老金融"大文章，湘潭天易农商银行持续推动服务重心下沉，长期开展走访企业、走访农 户、走访商户"三走访送服务"活动，主动对接企业、贴近群众，着力解决金融服务"最后一公里"问题。 "厂里招的都是周边婶子们，青壮年 ...

Group 1 - The core viewpoint of the articles is the launch of the "Beijing Public Fund High-Quality Development Series Activities" to promote the high-quality development of the public fund industry in China, following the release of the "Action Plan for Promoting High-Quality Development of Public Funds" in May [1] - The personal pension system in China, which was officially implemented in November 2022, is a significant direction for the high-quality development of public funds, with the first batch of personal pension funds expanding from single FOF types to passive index and enhanced index products [1] - As of June 30, 2025, the scale of 288 personal pension Y-share funds reached 12.409 billion, reflecting a growth of 1.019 billion from the previous quarter, with 281 funds showing positive growth [1] Group 2 - Y-shares are specifically designed for personal pension investment, offering lower management and custody fees, typically at a 50% discount compared to A-shares [2] - The net asset value calculation for Y-shares differs from A-shares due to the inclusion of fee factors, leading to different net values [2] - Y-shares can only be purchased through personal pension accounts, and redemption proceeds are transferred back to the personal pension account rather than being available for cash withdrawal [2]

Core Viewpoint - The People's Bank of China (PBOC) is focusing on enhancing financial services to the real economy through the "Five Major Financial Articles" during the 14th Five-Year Plan period, aiming to support key sectors and promote a virtuous cycle between finance and the real economy [1][2]. Financial "Five Major Articles" - The PBOC has established a policy framework for the "Five Major Financial Articles," which includes a guiding opinion from the State Council and five specialized documents on technology finance, green finance, inclusive finance, pension finance, and digital finance [2][3]. - As of August 2025, loans under the "Five Major Financial Articles" reached 105.6 trillion yuan, accounting for 38.7% of total loans, with a year-on-year growth of 13.2%, outpacing the average loan growth rate by 6.6 percentage points [3]. Technology Finance - The PBOC has implemented a series of policies to support technology finance, including a comprehensive financing action plan and a mechanism for coordinated promotion of technology finance [4][5]. - By August 2025, technology loans accounted for 28.8% of new loans, with a loan balance for technology SMEs reaching 3.4 trillion yuan, reflecting a year-on-year growth of 22% [5][6]. - The average interest rate for technology loans was 2.8% in August 2025, down by 0.5 percentage points year-on-year [5]. Support for Consumption - The PBOC has introduced financial support policies to boost consumption and expand domestic demand, including a guiding opinion on financial support for consumption [8][9]. - As of August 2025, loans in key service consumption sectors totaled 2.78 trillion yuan, with a year-on-year growth of 5.12% [8]. - The balance of household consumption loans (excluding personal housing loans) reached 21.13 trillion yuan, growing by 4.9% year-on-year [9]. Future Directions - The PBOC plans to continue implementing financial support policies for consumption, encouraging financial institutions to innovate products and services to meet diverse consumer financing needs [10].

Core Viewpoint - The article emphasizes the importance of financial institutions, particularly Caixin Securities, in implementing the "Five Major Articles" of finance, which include technological finance, green finance, inclusive finance, pension finance, and digital finance, to support China's modernization efforts [1][8]. Group 1: Technological Finance - Caixin Securities has established a leadership group to promote innovation in key areas such as technological finance, with a focus on supporting specialized and innovative enterprises [1]. - The company has successfully assisted companies like Jiashengde in rapidly transitioning to the New Third Board through a "green channel," demonstrating its capability in facilitating capital market access [2]. - Caixin Securities has provided comprehensive financial services to over 140 enterprises, with 31 listings completed in 2024, primarily focusing on specialized and innovative companies [3]. Group 2: Green Finance - Caixin Securities has issued the first rural "two waters" green bond in the country, aimed at improving water resources and pollution issues in rural areas, marking a significant step in green finance [4]. - The company has also led the issuance of the first company bond in the nation that combines "rural revitalization" and "low-carbon transformation," supporting regional transportation upgrades [5]. - By the end of 2024, Caixin Securities had a green bond bidding scale exceeding 150 billion, with investments in 18 green bonds, actively supporting clean energy and recycling initiatives [5]. Group 3: Digital Finance - The company recognizes digital transformation as a key pillar for future competitiveness and has implemented a talent development plan focusing on digital capabilities [7]. - In 2024, employees produced numerous data analysis reports and digital projects, showcasing the integration of technology into business operations [7]. - Caixin Securities has developed a digital support platform that enhances operational efficiency and management capabilities, contributing to the overall upgrade of its services [7]. Group 4: Commitment to Financial Responsibility - Caixin Securities is committed to serving the national development agenda and aims to be a guardian of resident wealth and a booster of regional economic development [8]. - The company emphasizes the need for sustained efforts in delivering high-quality financial services to contribute to China's modernization goals [8].

Core Viewpoint - The development of pension finance is essential for addressing the challenges of an aging population, optimizing the social security system, unlocking the potential of the "silver economy," and promoting high-quality development [1] Group 1: Initiatives and Programs - The bank has established a strategic partnership with Hebei Senior University to create the "Anyu Classroom," offering diverse courses such as mobile photography, vocal music, and Tai Chi sword, enhancing the brand recognition and social impact of pension finance [2] - The "Anyu Classroom" has conducted over ten sessions by June 2025, reaching more than 1,000 elderly participants, with positive feedback on the classroom atmosphere [2] Group 2: Financial Education and Community Engagement - The bank is committed to social responsibility by conducting financial education activities in senior universities, care institutions, and communities, using engaging methods to disseminate financial knowledge [3] - Specially designed large-print financial brochures and targeted content like "case studies on risks" and "legal forums" have been created to enhance the financial risk awareness and capabilities of the elderly [3] Group 3: Social Security and Service Ecosystem - The bank is exploring a new model of pension finance services that integrates finance, government, and public welfare, leveraging the convenience of social security cards [4] - As of August 2025, the bank has issued 12,800 social security cards, enhancing the sense of gain, happiness, and security among the elderly [4] - Future plans include deepening the construction of the pension finance ecosystem through technological empowerment, service integration, and innovative products tailored for the elderly [4]

在丁闻聪看来，中国公募基金行业经过二十余年发展，最显著的变化体现在规模扩容、行业成熟与理念 升级的全方位突破。从新"国九条"明确指数化投资发展方向，到2024年中央政治局会议部署公募基金改 革，再到2025年《推动公募基金高质量发展行动方案》出台，相关政策将行业发展纳入资本市场改革与 金融强国建设的全局。 "伴随公募行业改革推进，'以投资者最佳利益为核心'的价值取向成为行业共识。这一轮从'量'到'质'的 范式转移，为外资机构在中国的本土化再造提供了清晰边界与方向。"丁闻聪说。 外资公募的中国式解题 宏利基金成立于2002年，目前由宏利金融集团旗下子公司宏利投资100%控股。宏利金融集团源自加拿 大，是全球领先的金融服务集团，已在全球22个国家和地区服务数百万客户。作为最早进入中国市场的 外资金融机构之一，宏利金融集团深耕中国市场逾30年，见证了中国金融市场对外开放的历程。 在中国公募基金行业迈向高质量发展新阶段的关键时期，外资公募如何在中国市场交出一份融合全球化 方法论和本土化组织能力的特色答卷？作为国内首批中外合资基金公司、国内首家合资转外资全资控股 的公募基金，宏利基金的发展路径备受市场关注。 "对于行业 ...

活动现场 2025年10月12日，由清华五道口与中邮保险联合主办、《清华金融评论》编辑部承办的第二届 "中邮保险・紫荆杯" 全国高校金融普及教育辩论赛全国 总决赛，在清华大学圆满落下帷幕。本赛事自8月推出以来，共收到全国48所高校报名参赛，围绕普惠金融、养老金融、科技金融等议题开展了51场辩 论赛，吸引了逾400人次的辩手同台竞技、角逐荣誉。最终，决赛两支队伍凭借扎实的专业功底与出色的思辨能力，中央财经大学辩论队斩获全国总冠 军，北京交通大学辩论队拿下全国亚军。首届"紫荆杯"辩论赛冠军叶铖浩和清华大学"白杨计划"主持人王雪莱主持本场活动。 清华大学五道口金融学院党委委员、院长助理，《清华金融评论》执行主编张伟 代表主办方致辞。他指出，金融普及教育是践行金融人民性的重要举 措。通过辩论赛形式，可将复杂金融知识转化为通俗易懂的内容，实现"有深度、有广度、有温度"的传播效果，既提升公众金融素养，防范金融风 险，又助力个人财富管理，推动金融业高质量发展。活动展现了高校在金融知识普及与人才培养方面的社会责任与创新实践。清华大学五道口金融学 院的前身为1981年的中国人民银行研究生部，学院传承五道口办学特色，扎根中国、融 ...

Core Insights - The China Banking Association released the "Top 100 Chinese Banks in 2025" list, with Changshu Rural Commercial Bank ranking 75th, an improvement of one position from the previous year, maintaining its status as the top county-level rural commercial bank for seven consecutive years [1] Financial Performance - As of June 30, 2025, Changshu Rural Commercial Bank reported total assets of 401.2 billion yuan, total deposits of 310.8 billion yuan, and total loans of 251.5 billion yuan, marking a significant scale of operations [1] - In the first half of the year, the bank achieved operating income of 6.062 billion yuan, a year-on-year increase of 10.10%, and net profit of 1.969 billion yuan, up 13.51% year-on-year, maintaining double-digit growth for 16 consecutive quarters [1] - The bank's non-performing loan ratio remained stable at 0.76%, indicating a balanced approach to quality and efficiency in its growth strategy [1] Business Strategy - The bank has implemented the "Changyin Microfinance" model to address financing challenges for small and micro enterprises, establishing a dual-track service network of "street running + data running" [1] - The balance of inclusive small and micro enterprise loans reached 104.3 billion yuan, while agricultural loans amounted to 139.2 billion yuan, demonstrating significant contributions to the real economy [1] Future Outlook - Looking ahead, Changshu Rural Commercial Bank plans to focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, aiming to create a distinctive financial service system [2] - The bank will concentrate on supporting small and micro enterprises and rural revitalization, fully committing to high-quality development in the new economic landscape [2]

四、匠心传承，培育金融工匠蓄水池：让人才成为创新"源动力" 专题：北京公募基金高质量发展系列活动 新时代、新基金、新价值 在金融改革创新的浪潮中，工银瑞信劳模创新工作室以"金融报国"为初心，以"劳模工匠精神"为引领， 在养老金融与普惠金融领域深耕细作，打造出具有行业标杆意义的创新范式。自2024年张波养老金融创 新工作室、欧阳凯普惠金融创新工作室成立以来，两大工作室坚持以中国特色金融文化为指引，紧扣金 融工作的"政治性、人民性"要求，以制度创新破局、以数字赋能增效、以协同共享聚势、以匠心传承聚 力，在服务国家战略、守护百姓"钱袋子"的实践中，书写了新时代公募基金高质量发展的金融答卷。 一、党建引领，筑牢制度创新之基：让劳模工匠精神成为发展"指南针" 工银瑞信党委将劳模创新工作室建设纳入"十四五"战略规划，以"红色引擎"驱动金融创新。公司工会积 极落实党委部署，构建"党委领导、工会牵头、部门协同"的工作机制，为工作室配备专项经费、独立办 公场地，建立《劳模和工匠人才创新工作室工作细则》，明确"年度立项—过程管理—成果转化"全流程 闭环管理体系。张波养老金融创新工作室以"践行养老金融战略，坚守投资为民初心"为使命 ...