Core Insights - The article highlights the 21-year journey of Industrial Bank's Zhengzhou Branch, emphasizing its deep integration with the economic development of Henan province and its contributions to various key initiatives such as the construction of the Zhengdong New District and the "Belt and Road" initiative [1] Financing and Investment - In 2023, Industrial Bank's Zhengzhou Branch provided nearly 140 billion yuan in financing support to local enterprises, focusing on sectors like new materials, new energy vehicles, electronic information, advanced equipment, and modern medicine [2] - The bank has developed a "technology flow" credit evaluation system to support innovative enterprises, exemplified by a 160 million yuan loan to a high-tech materials company for equipment upgrades and carbon reduction [2] - The branch has issued over 6 billion yuan in merger loans to facilitate the restructuring of state-owned enterprises and has attracted 13.5 billion yuan in investment from insurance and leasing sectors [3] Green Finance Initiatives - As a pioneer in green finance, the Zhengzhou Branch has implemented carbon reduction-linked loans, with the first of its kind in Henan, promoting low-carbon transitions for companies [4] - The bank's green finance loan balance reached 28.3 billion yuan by the end of September, an increase of 4 billion yuan since the beginning of the year [4] Inclusive Financial Services - The bank has supported over 6,500 small and micro enterprises with loans exceeding 14 billion yuan, focusing on sectors like foreign trade, private enterprises, and technology [5] - Initiatives such as the "Smart Market System" have been launched to enhance digital financial services, benefiting over 1,000 merchants in various markets [6] Pension Financial Services - The Zhengzhou Branch has opened over 230,000 personal pension accounts, addressing the financial needs of the elderly population [7] - The bank has also initiated community outreach programs to support elderly care and has developed a comprehensive financial ecosystem for the pension industry [7]

Core Insights - China UnionPay actively responds to the national strategy of addressing population aging, collaborating with banks, institutions, and merchants to enhance the quality of the "silver economy" and inject new momentum into pension finance [1] Payment Security Assurance - On October 10, the Ministry of Civil Affairs announced the first batch of pension service consumption subsidy funds amounting to 1.16 billion yuan, marking the first nationwide subsidy project for elderly individuals with moderate to severe disabilities [2] - China UnionPay ensures smooth usage of consumption vouchers in elderly care scenarios by establishing a comprehensive risk control system and implementing fee reductions, thereby safeguarding the financial interests of the elderly and alleviating operational pressures on care institutions [2] - Various payment methods, including QR codes, social security cards, bank cards, and facial recognition, are supported, particularly retaining card payments familiar to the elderly, effectively bridging the digital divide [2] Warm-hearted Meal Assistance Program - In the community elderly care sector, meal assistance is a key component of the "six assistance" services, with China UnionPay facilitating the distribution of over 280 million yuan in meal subsidies [3] - In Qingdao, nearly 130,000 elderly individuals benefit daily from the meal assistance system supported by UnionPay, experiencing both nutritional meals and government care [3] - By the end of 2025, UnionPay aims to establish meal assistance points in 36 regions across China, ensuring convenient access to affordable and nutritious dining services for the elderly [3] Improved Service System - The "Vitality Life Card," launched by UnionPay in collaboration with multiple banks, integrates 12 exclusive benefits covering travel, health, and transportation, enhancing the experience for elderly users [4] - Over 80% of tertiary hospitals, more than 2,600 4A5A scenic spots, and 85,000 hotels nationwide support UnionPay card payments, facilitating seamless transactions for elderly individuals [4] - The "Caring Version" of the Cloud Flash Payment APP includes features like voice search and facial recognition prompts, making it easier for elderly users unfamiliar with smartphones to operate [4] - UnionPay is committed to building a comprehensive pension financial system, optimizing the elderly experience from community dining to travel and hospital payments, while continuing to deepen collaboration with government departments and industry partners [4]

Core Viewpoint - CITIC Bank Shenzhen Branch has been committed to serving the economic and social development of Shenzhen for 37 years, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [1] Group 1: Technology Finance - CITIC Bank Shenzhen Branch has increased support for technology innovation and specialized enterprises, helping over 200 local specialized enterprises become national "little giants" [2] - The bank has provided financial services throughout the lifecycle of technology companies, with nearly 1,300 technology enterprise loan accounts and a loan balance of approximately 28.6 billion yuan as of September 2025 [2] Group 2: Green Finance - The bank has strengthened its green finance system, contributing to Shenzhen's green low-carbon transformation, with a green loan balance of 26.9 billion yuan, an increase of 9.5 billion yuan (54%) from the beginning of the year [3] - CITIC Bank has actively participated in green bond issuance, underwriting 1.122 billion yuan in green credit bonds and investing 410 million yuan in green credit bonds in 2025 [3] Group 3: Inclusive Finance - The bank has enhanced its financing coordination for small and micro enterprises, with inclusive loan balances exceeding 12 billion yuan in 2025, a year-on-year increase of over 50% [4] - CITIC Bank has developed a product matrix for scenario-based credit loans, focusing on various industry clusters and supply chains [4] Group 4: Pension Finance - The bank has established a comprehensive "Happiness+" pension finance service system, providing pension planning for nearly 20,000 citizens [5] - It has also supported medical and rehabilitation institutions and conducted renovations for accessibility in all branches [5] Group 5: Digital Finance - CITIC Bank has integrated new technologies like AI, big data, and blockchain into its services, launching the "Xiao Tian Yuan" platform to enhance digital capabilities for small and medium enterprises [6] - The bank aims to create a positive cycle of "technology empowerment - efficiency improvement - value creation" through its digital finance strategy [6]

在人口老龄化背景下，增资、引战投，养老险公司近两年来动作频频。10月12日，北京商报记者注意 到，北京产权交易所披露的信息显示，国民养老保险股份有限公司（以下简称"国民养老保险"）拟实施 增资扩股，计划发行不超过4.71亿股，征集不超过5家投资方，募资用于补充核心一级资本，支持主业 发展。 实际上，这已经是国民养老保险2022年成立以后，第二次开启增资计划，此前该公司获批引入安联投资 为战略投资者，目前注册资本113.78亿元，如果此轮增资顺利完成，国民养老保险有望重回国内养老险 公司注册资本规模第一的位置。 业内人士分析，养老险公司密集进行调整，是因为随着人口老龄化的加速，养老保险公司面临着业务结 构和市场环境的改变。同时，在政策引导下，养老险公司还面临转型升级的压力。 浙大城市学院副教授林先平提到，养老险业务具有长期性和稳定性特点，但也面临着各种风险，如长寿 风险、投资风险等。低利率环境下，养老险资金的投资收益面临挑战，难以实现资产的保值增值，影响 养老险公司的盈利能力和给付能力。养老产业金融面临投资风险高、融资渠道狭窄等问题，金融机构缺 乏有效的风险评估机制，在平衡长期投资与短期回报方面面临挑战。充足的 ...

值得注意的是，这不是国民养老保险第一次开启增资计划，也并非年内首家有增资动作的养老险公司。由于政策推动，我国养老事业已经被推至越来越高 的位置，养老金融也迎来了新的风口。越来越多养老险公司通过自身实际行动奋战在养老金融的赛道上。 养老险公司管理的是老百姓的"养老钱"，其稳健经营是重中之重。在人口老龄化背景下，增资、引战投，养老险公司近两年来动作频频。10月12日，北京 商报记者注意到，北京产权交易所披露的信息显示，国民养老保险股份有限公司（以下简称"国民养老保险"）拟实施增资扩股，计划发行不超过4.71亿 股，征集不超过5家投资方。 除了补充资本"弹药库"，近两年养老险公司也进行了密集的人事"派帅遣将"。7月，靳超正式获批出任平安养老险总经理，李可东出任太平养老董事长 等。 聚焦养老主业 业内人士分析，养老险公司密集进行调整，是因为随着人口老龄化的加速，养老保险公司面临着业务结构和市场环境的改变。同时，在政策引导下，养老 险公司还面临转型升级的压力。 北京商报记者了解到，2021年以来，监管部门不断出台政策文件，对养老险公司的发展定位和业务结构进行重塑，引导养老险公司回归养老主业，专注长 期养老金融产品的开发 ...

Core Viewpoint - The recent upgrade of Ping An Bank's ESG rating to AA by MSCI reflects the bank's significant improvements in areas such as consumer protection, green finance, and data security, highlighting its commitment to sustainable development and enhancing investor confidence [1][11]. Group 1: ESG Rating and Recognition - Ping An Bank achieved a three-level upgrade in its ESG rating from BB to AA within five years, as recognized by MSCI, a leading global financial index and ESG rating agency [1]. - The upgrade signifies international acknowledgment of Ping An Bank's ESG management and overall performance, reinforcing its sustainable development value in the capital market [1][11]. Group 2: Sustainable Development Strategy - The bank emphasizes sustainable development as a long-term strategy, ensuring the maximization of long-term value while addressing economic, social, and environmental sustainability [3]. - Ping An Bank is actively implementing the national "dual carbon" goals by developing a diversified green finance product system, including green loans and bonds, to support various sectors such as energy transition and ecological protection [4]. Group 3: Financial Inclusion and Support for SMEs - As of June 2025, the bank's inclusive finance initiatives resulted in a balance of loans for small and micro enterprises reaching 499.52 billion, with over 970,000 clients served [5]. - The bank has also invested 31.26 billion in rural revitalization efforts, demonstrating its commitment to supporting the agricultural sector and rural communities [5]. Group 4: Technology and Data Security - Under its technology finance strategy, Ping An Bank has developed a comprehensive operating system for technology finance, offering specialized products for tech enterprises, with a loan balance of 193.44 billion as of June 2025 [7]. - The bank prioritizes data security by enhancing its data management systems and ensuring 100% employee training coverage on information security [7]. Group 5: Pension Finance and Customer Experience - Ping An Bank has expanded its pension finance product offerings to 239 types, enhancing its service solutions for retirement planning [8]. - The bank's app has been upgraded to provide a one-stop service for personal pension management, integrating various services from the broader Ping An Group ecosystem [8]. Group 6: Corporate Governance and Transparency - The bank is committed to improving corporate governance and compliance, implementing measures such as anti-corruption and anti-money laundering policies [9]. - It adheres to high international standards for ESG information disclosure, enhancing transparency and investor confidence [9].

Core Viewpoint - JD Finance has officially transformed from Jiexin Consumer Finance to JD Consumer Finance, marking a significant step in its strategic expansion in the consumer finance sector with the appointment of Li Bo as chairman [1][5]. Group 1: Leadership and Management - Li Bo, born in 1975, has over 20 years of experience in the financial industry and previously served as the deputy branch manager of ICBC in Hunan Province. He joined JD Group in March 2021 and has held key positions in financial technology [3]. - The approval of Li Bo's appointment as chairman by the Tianjin Financial Supervision Administration signifies a new leadership era for JD Consumer Finance [1][5]. Group 2: Company Background and Strategic Moves - JD Consumer Finance, established in 2010, was one of the first four pilot consumer finance companies. JD Group acquired a 65% stake in Jiexin Consumer Finance in December 2024, becoming the controlling shareholder [3][5]. - Following the name change, JD Consumer Finance has solidified its independent identity and further enhanced JD's strategic landscape in consumer finance [5]. Group 3: Operational Plans and Focus Areas - JD Consumer Finance plans to establish a team of around 200 people in Tianjin to build an operation center, data center, risk control center, and research center. The company aims to focus on high-quality development, consumer support, financial ecosystem construction, and regional industrial chain collaboration [5]. - The company intends to leverage its consumer finance license to enhance the regional consumption environment and support the development of Tianjin as an international consumption center [5]. Group 4: Collaboration and Partnerships - JD Consumer Finance has begun testing offline consumer credit services in Tianjin, integrating into the JD ecosystem. Consumers can use the JD App for interest-free installment payments at JD malls [6]. - The company has disclosed a list of five internet loan partners and three post-loan partners, including companies associated with major internet platforms and JD Group subsidiaries [8][10][13].

互联网巨头旗下消金公司终于迎来新"掌舵人"。 10月10日，天津金融监督管理局发布批复公告称，核准李波天津京东消费金融有限公司（下称"京东消 金"）董事长的任职资格。 "75后"金融老将掌舵京东消金 公告显示，核准李波天津京东消金董事长的任职资格，要求其严格遵守金融监管总局有关监管规定，自 本行政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。 公开资料显示，李波出生于1975年，为金融行业"老将"，有超过20年的金融从业经验，此前曾担任工商 银行湖南省分行副行长。于2021年3月加入京东集团后，李波一直担任金融科技群要职，今年以来曾多 次以京东集团副总裁、京东科技金融科技事业群总裁参与活动。 9月26日，在2025·青岛创投风投大会上，李波出席并发表主题演讲，他表示，金融在这几年一直在持续 探索大模型技术和金融业务的结合点，经过多年时间已经从技术验证逐步走向了场景新增，覆盖场景从 用户交互到体验创新到目前智能风控智能决策效率在提升。 "科技是手段，普惠才是目的。AI驱动的重构之路，最终还是要落在普惠上，做好科技金融、绿色金 融、普惠金融、养老金融、数字金融五章大文章，让供应链金融科技广泛汇集每一个 ...

21世纪经济报道记者林汉垚 见习记者冯紫彤 山东滨州、威海报道 在鲁北平原的滨州博华老年公寓，午后的太极拳队伍缓缓起手，一招一式间，映照出这里"慢"而"稳"的 养老生活；队伍前方，几位老人正结伴走向书法教室，那里有他们人生中第一张毛笔字帖。得益于民营 资本的深度参与，这里的老人们在不离乡土的环境中，享受专业照护与精神滋养并重的晚年生活。 与此同时，在胶东半岛最东端的威海，观澜国际养老公寓里，来自天南地北的"候鸟老人"们正收拾行 装，准备开启每周一次的"山海之旅"。这座山海相拥的城市，以其独特的自然禀赋和精心组织的旅居生 活，成为长者们安享岁月的理想之地。 一边是民营经济沃土上生长出的"全产业链"养老模式，另一边是凭借得天独厚自然环境打造的"旅居康 养"目的地——面对加速到来的银发浪潮，山东的滨州与威海，这两座禀赋各异、路径不同的城市，正 以金融为笔，共同探索着养老金融这篇"大文章"的齐鲁答卷。 日前，跟随中国人民银行山东省分行的调研步伐，21世纪经济报道记者深入两地，探寻金融如何赋能养 老事业和银发经济。调研发现，无论是滨州以民营资本驱动、服务本地刚需的"深度耕耘"，还是威海借 力自然禀赋、吸引全国需求的"广 ...

转自：新华财经 新华财经上海10月10日电（记者 王淑娟）在全国第16个敬老月来临之际，上海银行10日启动2025年"敬老月"活动。据悉，上海银行将从消费、公益、数 字、精神需求等维度出发，打造"乐享消费、情暖重阳、智享生活、活力银龄"四大板块主题活动，为老年群体提供全方位服务。 图为上海银行2025年"敬老月"活动启动现场。（王淑娟 摄） 上海银行行长施红敏表示，经过近30年深耕，上海银行服务的老年客户已近600万人，其中，由上海银行代发养老金的老年人超过160万人。 "上海银行努力从老年朋友的需求和体验出发，帮助老人跨越'数字鸿沟'，普及居家适老化改造惠民政策，开设老年大学教学点，开展乐龄申城志愿服务活 动，与广大合作伙伴携手共建养老服务生态，共同打造'医食住行康娱游学'八大服务场景，共同实现每年3000余场社区延伸服务。"施红敏指出，上海银行 搭建了养老金融产品与服务体系，"安心财富"系列理财销售的300余个"美好款"产品，迄今为止100%达成业绩比较基准；推出"安心付"小额支付账户服务， 帮助老年客户更安全、便捷地体验移动支付。 以养老金融为特色，上海银行致力于成为最具特色、体验最佳的民生服务金融机构 ...