转自：新华财经 新华财经上海12月12日电（记者 王淑娟）人口老龄化已成为我国基本国情，也是推进中国式现代化进 程中必须直面的重大战略课题。自2023年中央金融工作会议首次将养老金融列为金融"五篇大文章"之一 以来，政策密集落地、市场加速布局，养老金融正迈入高质量发展的新周期。 作为上海金融旗舰企业，浦发银行副行长、董事会秘书张健近日接受新华财经专访时表示，面对银发经 济浪潮，浦发银行以"金融为民"初心为引领，推动养老金融服务从"单一保障"向"生态共建"转化跃迁， 力争成为养老金融领域的"领航者"。 政策领航：养老金融迎来历史性机遇 我国65岁及以上人口占比已达15.6%，预计到2035年将进入重度老龄化社会。张健指出，伴随老龄人口 规模扩大与结构变化，中青年"提前备老"意识觉醒，叠加政策红利持续释放，养老金融正迎来前所未有 的发展机遇。 张健表示，当前国家养老金融战略布局聚焦三大方向：一是推动基本养老、企业年金、个人养老金"三 支柱"协同发展，尤其是通过个人养老金制度激活市场化储备需求；二是强化对银发经济的金融支撑， 如专项再贷款、税收优惠、养老REITs等工具引导资源精准滴灌；三是聚焦老年群体真实需求，推 ...

Core Insights - The Central Economic Work Conference emphasized the importance of consumer spending, employment stability, real estate market regulation, elderly care, and innovation in technology and industry [2][5]. Group 1: Consumer and Employment - The conference proposed to implement special actions to boost consumer spending and optimize the "two new" policies [4]. - It aims to stabilize employment for key groups such as college graduates and migrant workers through actions focused on job retention and expansion [5]. Group 2: Real Estate and Elderly Care - The focus is on stabilizing the real estate market with city-specific policies to control supply, reduce inventory, and improve housing quality, including encouraging the acquisition of existing homes for affordable housing [5][14]. - The introduction of a long-term care insurance system indicates a strategic direction in elderly financial care [10]. Group 3: Innovation and Industry Development - The conference highlighted the need to deepen and expand the "Artificial Intelligence +" initiative, indicating that AI has transitioned from a concept to a practical tool in production and daily life [8]. - There is a call for a new round of high-quality development actions for key industrial chains, reflecting a commitment to innovation and industrial advancement [5]. Group 4: Agricultural and Rural Policies - Continuous iteration of supportive policies for rural revitalization has been emphasized, providing reassurance to residents in poverty alleviation areas [12].

Group 1 - The central economic work conference emphasized the importance of boosting consumption through targeted actions and optimizing the implementation of "two new" policies [1][2] - The conference highlighted the need for stable employment measures, particularly for key groups such as college graduates and migrant workers [2] - A focus on stabilizing the real estate market was noted, with strategies including city-specific policies to control supply, reduce inventory, and encourage the acquisition of existing homes for affordable housing [2] Group 2 - The introduction of a long-term care insurance system was proposed, indicating a shift towards addressing aging population needs [2] - The conference called for a new round of high-quality development actions for key industrial chains, with a specific emphasis on deepening the integration of "artificial intelligence+" into production and daily life [2] - Continuous support policies for rural revitalization were acknowledged, providing reassurance to residents in poverty-stricken areas [2] Group 3 - The reform of the housing provident fund system was explicitly mentioned, allowing for more flexible use, including rental withdrawals, and the promise of more quality housing options in the coming year [2] - The conference's discussions reflect a blend of macroeconomic strategies and micro-level details, indicating a comprehensive approach to policy implementation that resonates with everyday life [3]

Core Viewpoint - The aging population in China, with 300 million elderly individuals, presents a significant challenge for society, necessitating the development of a robust pension finance system to ensure quality living standards for seniors [1][2]. Group 1: Development of Pension Finance - The government is enhancing its support for pension finance, which is becoming a crucial part of the financial sector's strategy [2]. - The establishment of a comprehensive policy framework covering "three pillars of protection, industry empowerment, and service upgrades" marks the beginning of a new phase of high-quality development in pension finance [2]. - The competition in the pension finance sector is shifting from scale to value creation, requiring financial institutions to enhance their professional capabilities [2][6]. Group 2: SPDB's Initiatives - SPDB has launched the "Puyijinsheng" pension finance brand, focusing on creating a comprehensive service system that integrates various resources to serve the elderly population [3][4]. - The "12345" pension finance service system includes a collaborative approach with subsidiaries, targeting three customer segments: seniors, pre-retirees, and the pension industry [3][6]. - SPDB has received recognition for its pension finance services, including awards for being a leading unit in the sector [3]. Group 3: Community and Ecosystem Engagement - SPDB is actively building partnerships with various organizations to create a multi-faceted ecosystem that combines finance, health, and elder care [4][5]. - The bank has initiated the "Respect for the Elderly Consumption Ecosystem" to adapt to the new consumption patterns of the elderly, collaborating with multiple partners to enhance service offerings [5]. - SPDB's efforts include educational activities and the establishment of numerous pension finance studios to better serve the elderly community [5]. Group 4: Financial Performance and Client Focus - SPDB has made significant strides in the three pillars of pension finance, managing over 540 billion yuan in corporate and individual pension funds [6][7]. - The bank has introduced specialized products and services for nearly 13 million elderly clients, enhancing accessibility and support through both online and offline channels [6][7]. - SPDB is committed to raising awareness among younger generations about retirement planning, providing personalized services to a broader audience [7]. Group 5: Future Outlook - Looking ahead, SPDB aims to align its pension finance initiatives with national strategies to address aging, focusing on innovation, collaboration, and quality improvement [8]. - The bank plans to enhance its pension finance products and services, ensuring they contribute to the well-being of the elderly and support the overall development of the pension industry [8].

Core Viewpoint - The forum focused on the theme of "Vitality and Resilience, Innovation and Empowerment," aiming to respond to contemporary challenges and explore future pathways for development [2]. Group 1: Central Enterprises and Financial Integration - Zhao Zhao, Assistant President of Sinochem Capital, emphasized the importance of central enterprises (SOEs) in integrating industry and finance to empower the real economy, highlighting the need for innovative financial methods [2][3]. - The core of SOEs' financial integration lies in adhering to the service of the real economy, actively responding to national calls, and focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [2][3]. Group 2: Characteristics of Financial Licenses - SOEs are prioritizing the cultivation of financial licenses that can empower their main businesses, particularly in areas like industrial funds and financing leasing [2][3]. - The analysis pointed out that SOEs are also considering licenses with fewer restrictions on related transactions and lower capital consumption as important factors in their strategic layout [2][3]. Group 3: Core Competitiveness and Future Directions - Providing differentiated financial services along the industrial chain has become a key strategy for SOEs to build core competitiveness in their financial sectors [3]. - Zhao emphasized the need to prioritize compliance and risk prevention over mere scale, fostering a new pattern of high-quality development [3]. - The future focus for SOEs in financial integration will be on leveraging existing license capabilities and enhancing financial support for major strategies and key areas [3][4]. Group 4: Practical Exploration by Sinochem Capital - Sinochem Capital has engaged in various financial and service sectors, including trust, factoring, industrial funds, business services, and insurance brokerage, through controlling and participating in different entities [3][4]. - The company has established distinctive brands and advantages in areas such as securities services, inclusive finance, supply chain finance, and risk services, supporting the development of core industries like life sciences and petrochemicals [4]. Group 5: Commitment to Quality Development - The path of financial integration for SOEs is fundamentally about maintaining a commitment to political and social responsibilities while serving their primary business roles [4]. - Sinochem Capital and similar SOE platforms will continue to deepen financial collaboration, providing high-quality and empathetic financial services to support the high-quality development of the real economy and improve the lives of households [4].

Core Viewpoint - The collaboration between Industrial Bank Chengdu Branch and Chengdu Rongcheng Football Club marks a significant branding initiative in the Chinese Super League, enhancing community engagement through sports and financial education [1][3][4]. Group 1: Event Highlights - The match between Beijing Guoan and Chengdu Rongcheng attracted over 40,000 spectators, creating an electrifying atmosphere at the Phoenix Mountain Sports Park [1]. - Industrial Bank Chengdu Branch launched a "co-branding" initiative with Chengdu Rongcheng, featuring their logo prominently displayed on LED screens and at various promotional booths [1][3]. - The bank's financial knowledge campaign reached over 4,200 fans, distributing 1,600 anti-fraud brochures and engaging attendees with interactive activities [3]. Group 2: Community Engagement - The event included a unique employee sports day where players engaged with children in fun activities, promoting sportsmanship and financial literacy [3]. - The bank plans to further develop the "Xingfu Long" brand IP, integrating financial education into community events and sports, thereby supporting the development of Chengdu as a sports city [4]. - Future initiatives will focus on anti-fraud education, green finance, and pension finance, aiming to enhance financial services in a manner that resonates with fans [4].

"十五五"规划建议指出要大力发展科技金融、绿色金融、普惠金融、养老金融、数字金融。 数字金融是打通金融服务"最后一公里"、提升服务质效的重要底座。兴银理财自成立以来，始终以服 务"国之大者"的担当深耕数字金融领域，将数字化转型作为战略发展的"生命线"。在研判行业数字化转 型趋势、深入调研同业实践的基础上，公司绘制了数字化转型蓝图，确立"以业务赋能为中心、以数智 化为手段、以安全为基石"的实施方案，全力推动数字技术与理财业务深度融合。 数字金融以赋能业务为中心 坚持"科技向善"，数字金融的价值体现为对业务的赋能，最终还是要落脚到员工生产力的解放和广大居 民体验的优化改善上，是推动科技金融、绿色金融、养老金融和普惠金融等落地的"加速器"。兴银理财 立足自身禀赋，聚焦市场服务、投研风控、运营管理三大核心领域，以数字化手段补短板、强优势、固 根基，让数字金融真正服务于业务发展、惠及广大客户。 首先是补齐市场服务的短板。银行理财从母行资管部转型而来，过去普遍存在"隔着母行渠道推产品、 做服务"的问题，不够接地气，因此系统设计在多渠道服务支撑、客户精准服务方面存在短板，这也是 一直以来兴银理财数字化转型要重点突破的方向。 ...

在北京朝阳、西城、东城三区交会处，柳荫公园北门的外馆东街，恒丰银行北京安贞支行犹如一座嵌入 社区的"温暖驿站"。推门而入，中医脉枕与血压仪静候一旁，手工活动与反诈讲堂交替开展——这里不 仅是办理业务的场所，更是周边数千长者乐意驻足、信任托付的"社区客厅"与"精神家园"。 生活陪伴：服务内涵的温暖延伸 安贞支行不仅守护老年人的"钱袋子"，更致力于丰盈老年群体的日常生活。通过定期邀请辖区民警开展 反诈宣讲，用鲜活案例拆解骗局，为老人筑起一道坚固的安全护栏。与此同时，支行更扮演起"生活陪 伴者"的角色，精心构筑起"周周有活动、月月有主题、季季有回馈"的温情生态圈：每周三的"岁享活动 日"，健康义诊与手工课堂传递着关切；每月举办的书画展览、合唱交流，则搭建起情感与才华的展示 舞台；每季度的广场舞大赛等大型活动，更成为社区邻里相聚的欢乐盛事。这些持续而用心的陪伴，渐 渐织就了与周边老年群体之间深厚的信任与情感纽带。如今，许多老人已习惯将支行当作日常生活的一 部分，常挂在嘴边的"去银行坐坐"，成了他们心中一份特别的期待与归属。 作为恒丰银行北京分行"老年体验官"适老化服务体验网点，安贞支行以"金融+服务"为核心理念，将关 ...

Core Insights - The aging population and increasing longevity are driving significant changes in the pension and insurance markets, necessitating a shift in focus from yield-seeking to functional solutions in financial products [3][4] - Life insurance companies are positioned to support the development of a high-quality pension system by leveraging their expertise in risk management, long-term capital utilization, and pension services [3][4] Group 1: Market Trends - The average life expectancy in China has increased by over 10 years compared to 30 years ago, with men averaging 85 years and women surpassing 89 years according to the latest life table [4] - The number of individuals aged 90 and above is expected to continue rising over the next 30 years, highlighting the need for robust personal pension planning [4][5] Group 2: Risks in Pension Planning - Two core risks in personal pension planning are identified: financial sustainability risk and care dependency risk, which are exacerbated by increasing life expectancy [4][5] - The low-interest-rate environment diminishes the growth potential of traditional savings, making it essential to secure stable, lifelong cash flows for retirement [5] Group 3: Product Development - Commercial pension insurance is crucial for transitioning from basic support to high-quality care, with a focus on innovative products that address longevity risk [5][6] - Insurance companies need to expand their offerings to include coverage for older individuals, particularly those with health issues, and develop specialized products for long-term care and income replacement [6][7] Group 4: Service Integration - The role of commercial pension insurance is evolving from a mere payment tool to a comprehensive service integration platform, linking various quality pension resources [6][7] - The aim is to provide a holistic service model that combines insurance, retirement communities, and health management for the elderly [6][7] Group 5: Company Initiatives - 恒安标准人寿 has been actively developing its pension finance sector, focusing on risk protection and long-term savings to enhance its product matrix [6][7] - The company has introduced innovative products such as the "Happiness to Old Age Long Life Version," which offers lifelong monthly pension payments, and has expanded its health insurance offerings to include cancer and disability income replacement [7]

Core Viewpoint - The company emphasizes the integration of party leadership into its governance and operational processes, aligning with the national strategy and the "14th Five-Year Plan" to enhance its role in serving the real economy and promoting high-quality financial development [1][2][3]. Group 1: Governance and Leadership - The company has incorporated party work requirements into its corporate charter and governance processes, ensuring that party leadership is embedded in cultural construction, compliance risk control, and major decision-making [2]. - The company is actively promoting a culture of discipline and compliance, focusing on the implementation of the central eight regulations and addressing prominent issues to create a clean and positive working environment [4]. Group 2: Cultural Development - The company is committed to cultivating a unique Chinese financial culture, integrating the "Five Musts and Five Must Nots" into its operational framework to enhance cultural soft power and mission responsibility [5]. - A leadership group for cultural construction has been established, involving all levels of staff in promoting cultural values and activities, thereby fostering a cohesive and motivated workforce [5]. Group 3: Talent and Compliance - The company is enhancing its talent pool by focusing on professional development and establishing a talent exchange mechanism, which is crucial for supporting national strategies [6]. - Compliance and risk management are prioritized, with the establishment of a comprehensive compliance management team and the optimization of risk management systems to ensure effective oversight [6]. Group 4: Financial Services and Innovation - The company is actively involved in green finance, having financed 18.23 billion yuan for green industries in the first three quarters of the year, marking a 34.6% increase year-on-year [7]. - The company has also focused on rural revitalization, underwriting 1.79 billion yuan in bonds for rural projects and investing 109 million yuan in support initiatives since 2016, benefiting over 400,000 people [8]. Group 5: Pension and Digital Finance - The company is developing a comprehensive pension financial management system and has launched various pension fund products to enhance its offerings in the third pillar of pension finance [9]. - The company is leveraging digital technology to improve service capabilities, with significant enhancements to its digital platform and automation of numerous operational processes, resulting in increased efficiency [9]. Group 6: Future Outlook - Looking ahead, the company aims to deepen its understanding of the party's directives and focus on high-quality development, reinforcing its commitment to the "Five Articles of Financial Service" and contributing to the construction of a financial powerhouse [10].