Core Viewpoint - Jiangsu Financial Regulatory Bureau is implementing a comprehensive set of measures to enhance financial services, focusing on consumer protection and financial support for businesses and individuals [1][2][3][4][5][6][7] Group 1: Financial Support Initiatives - The bureau is promoting personal consumption loans and service industry loans with interest subsidy policies, effectively lowering financing costs and stimulating consumer potential [2] - By mid-2025, the health insurance premium income in Jiangsu reached 32.659 billion yuan, with claims amounting to 8.724 billion yuan, indicating a growing insurance market [2] - Various local initiatives, such as "Su Xin Action" in Suqian and "Red Salt Loan" in Yancheng, have successfully provided significant credit support to businesses and individual entrepreneurs [2] Group 2: Consumer Protection Measures - A coordinated mechanism for financial consumer rights protection has been established, focusing on combating illegal intermediaries and enhancing information sharing among departments [3] - The bureau has initiated collective actions against illegal activities, leading to numerous cases being filed by law enforcement [3] - The establishment of a city-level mechanism in Xuzhou for illegal intermediary governance demonstrates a collaborative approach to maintaining financial order [3] Group 3: Enhanced Financial Services - Jiangsu is improving accessibility in pension finance by promoting barrier-free facilities and developing personal and commercial pension products [4] - By mid-2025, personal pension insurance premium income reached 1.366 billion yuan, covering 110,100 individuals, while commercial pension accounts totaled 580 million yuan [4] - Financial services for foreign nationals are being optimized, including the integration of foreign banks into domestic payment systems and the provision of multilingual support [4] Group 4: Financial Education and Awareness - A multi-channel financial education network has been established, focusing on community engagement and innovative outreach methods [5] - Initiatives like the "Financial Protection in 100 Communities" campaign and the creation of financial safety maps aim to enhance public financial literacy [5] - Localized financial education efforts, such as the use of regional dialects and creative materials, are being employed to make financial knowledge more accessible [5] Group 5: Dispute Resolution and Accessibility - The bureau is expanding financial dispute mediation services, with plans to add 100 new mediation points across the province by 2025 [6] - Innovative solutions for financing challenges, such as a quick loan application process and targeted agricultural loans, are being implemented to improve access to finance for small businesses [6] - The rapid response to insurance needs for new energy vehicles in Nanjing highlights the bureau's commitment to addressing consumer concerns promptly [6] Group 6: Overall Impact - Jiangsu Financial Regulatory Bureau aims to create a reliable financial environment that supports both businesses and consumers, acting as a "safety shield" and "warm bridge" for the community [7]

此次推出商业养老金代销业务，有望进一步提升养老金融服务的覆盖面，丰富养老金融供给，支持备老 群体做好养老资金储备和财富规划。 助力养老财富积累，满足养老投资多元需求 商业养老金属于国家重点推动的养老第三支柱中的创新型商业养老保险产品，将养老规划、资金管理与 保险产品相结合，以投资积累养老金为主要功能，为客户提供全生命周期的养老资金稳健管理服务。 其采用"锁定账户+持续账户"的双账户管理模式，锁定养老子账户管理长期养老储备，加速养老金积 累，持续养老子账户可在养老储备的同时满足客户资金支出需求，很好地平衡客户养老保障和支出需 要。在领取方式上，客户年满60周岁后可对锁定账户内资金设定定额分期、定期分期等养老金领取方 式，充分满足不同群体的养老资金领取需求。 自2023年1月商业养老金试点启动以来，历经两年多的发展，商业养老金试点成绩斐然，其快速增长的 背后，得益于国家政策的大力支持和商业养老金产品的自身优势，也反映出我国老龄化进程加快的背景 下，人民群众对养老金储备的迫切需求。 西安银行此次与国寿养老和太平养老开展合作，代理销售其发行的期限保本型商业养老金产品。该类产 品兼具稳健性和收益性，客户每笔交费资金持有 ...

Core Viewpoint - The equity market has shown strong recovery over the past year, with equity-based financial products performing well, particularly the "Tiangong" series from Huaxia Wealth Management, which has significantly increased in net value [1] Group 1: Product and Service Development - Huaxia Wealth Management has upgraded its "Wealth Management Factory" model from version 1.0 to 2.0, emphasizing customized production, standardized processes, and a dual focus on products and services [2] - The 2.0 model includes seven key features: customized production, systematic operation, standardized processes, centralized control, ESG integration, digital transformation, and a balance between products and services [2][3] Group 2: Product Line and Service Capabilities - Huaxia Wealth Management has developed a diversified product system covering cash management, fixed income, equity, mixed assets, and ESG, catering to various risk preferences and investment horizons [3] - The company has established a Customer Experience Department to enhance service delivery and responsiveness to diverse client needs, aiming for a personalized service approach [3] Group 3: Growth and Scale - Huaxia Wealth Management's product management scale surpassed 1 trillion yuan by June 2025, achieving a doubling of scale since its first year and maintaining high growth rates [4] - The company aims to leverage its scale as a foundation for comprehensive capabilities and to enhance product yield competitiveness and client experience [5] Group 4: Strategic Initiatives - The "Tiangong" series of passive index financial products focuses on key national industrial policies and aims to provide better index product services with competitive fee structures [6] - Huaxia Wealth Management is actively involved in green finance, having issued over 32 billion yuan in ESG financial products and integrating ESG principles into its business operations [7] Group 5: Future Vision - As it approaches the end of the 14th Five-Year Plan and the beginning of the 15th, Huaxia Wealth Management plans to enhance its "Wealth Management Factory" model and strengthen its research capabilities to contribute to wealth preservation and economic development [8]

半决赛特邀了来自学术与辩论领域的顶尖专家组成评委阵容：中国农业大学人文与发展学院副教授、清 华五道口养老金融50人论坛常务副秘书长张栋；北京大学普惠金融与法律监管研究基地副主任顾雷；清 华大学五道口金融学院、美国康奈尔大学双学位金融MBA、2010国辩冠军队执行教练杨子江；原莫纳 什大学中文辩论队队长、2013年国际华语辩论邀请赛亚军暨全程最佳辩手王梅；中央广播电视总台、中 国教育电视台多档节目评论嘉宾张佳鹏。 经过激烈角逐，中央财经大学和北京交通大学两支参赛队伍闯进全国总决赛，南京大学和四川大学获得 大赛季军。其中，来自北京交通大学的刘彤、四川大学江凯旋和中央财经大学祝淼仪获得本场"最佳辩 手"称号。 9月19日，第二届"中邮保险·紫荆杯"全国高校金融普及教育辩论赛半决赛在北京"中邮保险·玖安广场"顺 利举行。中邮保险业务总监曹勇、清华大学五道口金融学院院长助理张伟分别致辞，中央财经大学、北 京交通大学辩论队晋级总决赛。 本次半决赛，恰逢全国金融教育宣传周活动期间，围绕"激活中国三十万亿银发经济，需要重点突破供 给侧革新还是需求侧培育""中国普惠金融的未来发展，更应着眼于社会价值优先还是商业可持续化"两 道 ...

Core Viewpoint - A recent surge in "exclusive retirement financial" scams targeting elderly individuals has been reported, with many falling victim due to their urgent need for wealth appreciation and limited ability to discern information [1][2] Group 1: Scam Characteristics - The scams often promise high returns, such as "capital protection + annualized high returns," which significantly exceed the yields of legitimate financial products [3][4] - Common tactics include offering immediate cash returns, like a promise of 6,000 yuan interest for a 50,000 yuan deposit on the same day, which misleads victims into a false sense of security [2][3] - Scammers utilize social circles and trust relationships to spread their schemes, often encouraging victims to recruit new participants for additional rewards [3][4] Group 2: Warning Signs and Prevention - Legitimate financial institutions do not guarantee "capital protection" or promise annualized returns exceeding 8%, and any such claims should be treated with suspicion [4][6] - Elderly individuals are advised to verify the legitimacy of financial products through official channels, such as bank apps or licensed third-party platforms, and to avoid downloading unofficial apps or transferring funds to personal accounts [6][7] - It is recommended that elderly individuals consult with family members before making financial decisions and to be cautious of high-return promises that deviate from market norms [7][8] Group 3: Market Trends and Awareness - The awareness of retirement planning among new affluent groups is increasing, with nearly 48.6% of respondents indicating they have a retirement plan [5][6] - The shift in retirement planning strategies shows a move away from traditional savings towards purchasing retirement insurance and diversifying financial preparations [6]

Core Viewpoint - The China Securities Regulatory Commission (CSRC) has issued the "Action Plan for Promoting High-Quality Development of Public Funds," which aims to enhance the public fund industry by focusing on investor interests and transitioning from a scale-driven approach to one that emphasizes investor returns [1][2]. Group 1: Action Plan Highlights - The Action Plan emphasizes strong regulation, risk prevention, and promoting high-quality development, aiming to shift the industry's focus towards investor returns [1][2]. - It is expected to serve as a significant turning point in the history of the public fund industry, with over 20 supporting regulations to follow, impacting the development of actively managed equity funds [1][2]. Group 2: Investor-Centric Initiatives - The plan proposes a binding mechanism between fund company income and investor returns, including a floating management fee linked to performance, which aims to lower costs for investors [2]. - It also calls for reforms in performance evaluation mechanisms, increasing the weight of investment return metrics for fund managers, and implementing long-term performance assessments [2][3]. Group 3: Enhancing Investor Services - The CSRC aims to improve the service capabilities of the public fund industry by optimizing investment research, product design, and risk management [3]. - There is a focus on developing low-volatility and asset allocation products to cater to various investor risk preferences [3]. Group 4: Technological Integration - The Action Plan encourages the use of emerging technologies like AI and big data to enhance service levels and improve investor interaction experiences [5]. - It highlights the importance of developing equity public funds to better connect investors with quality enterprises, thereby improving capital market efficiency [5]. Group 5: Long-Term Value Focus - The plan sets higher expectations for fund companies regarding proactive investment strategies and industry trend analysis to meet residents' wealth management needs [6]. - The initiative aims to strengthen the financial system's stability and accelerate the high-quality development of the industry [6].

洞察需求 解侨商融资之渴 清晨，三元桥支行刚开门，华侨客户林先生便前来咨询跨境资产配置业务。他长年往返于中国与东南亚之间从事贸易，是该行"京侨卡"的首批 用户。"在这里办业务不仅顺畅，更有一种亲切感，他们懂华侨的需求。"林先生笑着说。 这样的场景，正是厦门国际银行北京分行深耕"华侨金融"战略的生动缩影。作为总行"北上布局"的关键一子，北京分行自设立之初，便肩负 起"重塑华侨金融旗帜"的使命。 "北京不仅是全国的政治中心、文化中心，更是国际交往中心，侨商侨胞聚集，涉外经济活跃，为我们发挥'侨'的特色提供了广阔舞台。"厦门 国际银行北京分行相关负责人介绍。基于这一洞察，分行率先制定综合金融服务方案，推出个人抵押经营贷、专享结构性存款、跨境结算优惠 等一系列涉侨特色产品，并积极同北京侨商会等侨界组织加强合作交流，担任北京侨商会2025年下半年轮值会长单位，并落地华侨金融服务 站，持续扩展侨界金融生态圈。 三元桥支行坐落于首都机场高速起点，是众多侨胞归国的"首站"，配备英语专员、翻译设备及侨胞专属通道，致力打造"华侨之家"式服务体 验。截至2024年末，分行已设立15家网点，存贷款规模分别突破1100亿元和600亿元 ...

Key Insights - The report highlights a significant increase in private market exposure among major pension funds, with the top 20 U.S. pension funds holding approximately $500 billion in private market investments, raising concerns among policymakers about potential risks [6][7][10] - The Government Pension Investment Fund (GPIF) of Japan has made its first direct investments in domestic alternative assets, allocating a total of ¥50 billion, with ¥40 billion directed towards infrastructure funds and ¥10 billion towards real estate investments [8][9] - The California Public Employees' Retirement System (CalPERS) has announced a transition to a Total Portfolio Approach (TPA) to enhance decision-making clarity and transparency, shifting to a simplified benchmark of a 75/25 equity-to-bond ratio [12][13] - The European Union is set to take action by the end of the year to promote pension investments and simplify cross-border transaction processes, aiming to reduce administrative costs and attract investments [16][17] Group 1: Private Market Exposure - Major pension funds are increasingly allocating capital to private markets, with a notable rise in risk exposure as the number of publicly listed companies declines [6][7] - The trend of pension funds moving towards private assets is being closely monitored by global policymakers due to the potential risks associated with this shift [7] Group 2: GPIF Investments - GPIF's new strategy allows for greater control over investments, as it directly selects funds rather than relying on asset management companies [8][9] - The fund's alternative investment allocation remains limited to 5% of total assets, with current holdings at only 1.6%, indicating room for growth in this area [8] Group 3: CalPERS TPA Implementation - The TPA will simplify the investment strategy for CalPERS, allowing for a more straightforward approach while maintaining a focus on risk management [12][13] - The integration of ESG factors into investment decisions is a key component of CalPERS' new strategy, with dedicated resources allocated to ensure compliance [13][16] Group 4: EU Regulatory Actions - The EU's proposed measures aim to streamline regulations and enhance market transparency, particularly concerning pension funds and cryptocurrency investments [16][17] - Tax incentives and simplified investment processes are expected to encourage household savings to flow into capital markets [17] Group 5: Other Global Developments - The Abu Dhabi Investment Authority is actively seeking opportunities in the private equity secondary market, despite challenges in the broader industry [18][19] - The National Pension Service of Korea has acquired a minority stake in Nordic real estate manager Areim, aligning with its investment strategy [20][21] - The IRS has finalized key rules under the SECURE 2.0 Act, impacting workplace retirement plans and contribution limits [22][23]

论坛特别邀请到两岸企业家峰会陆方副理事长张平莅临指导。论坛由两岸企业家峰会金融产业合作推进 小组陆方副召集人黎晓宏、台方副召集人李纪珠主持；陆方召集人李礼辉、台方召集人曾铭宗发表致 辞。北京银行董事长霍学文，富邦金控风控长徐伟杰，北京基金业协会荣誉创会会长、厚朴投资董事长 方风雷，中国信托金控信息最高主管贾景光，中国人寿养老保险总裁余贤群，台湾人寿商品精算处处长 赖玉菁等多位嘉宾发表主题演讲。 2025京台金融合作论坛于9月19日在京成功举办。本届京台金融合作论坛作为第28届京台科技论坛的四 大平行论坛之一，以"京台金链 智汇两岸"为主题，两岸多位金融业界人士、专家学者，围绕绿色金 融、养老金融、人工智能等重点领域交流研讨、分享前沿洞见、凝聚发展共识，共同推动京台金融资源 整合与服务效能提升，助力金融高质量发展。 京台金融合作论坛自举办以来已成为连接两地金融发展的重要桥梁。北京将持续擦亮"北京服务"品牌， 进一步全面深化改革，持续扩大高水平开放，打造市场化、法治化、国际化的一流营商环境，为台资金 融机构和企业在京发展做好保障服务，实现双向赋能、合作共赢。 论坛还发布了两项重要合作成果：北京对台青年金融机构就业 ...

Core Insights - The article emphasizes the importance of pension finance in addressing aging issues, highlighting the role of financial institutions in enhancing service quality and efficiency in Shandong Province [2] Group 1: Pension Finance Development - As of July 2025, the loan balance for the pension industry in Shandong Province reached 15 billion yuan, with a year-on-year growth of 32.3%, surpassing the overall loan growth rate by 23.3 percentage points [2] - The average loan interest rate is 3.85%, which represents a year-on-year decrease of 63 basis points [2] - The People's Bank of China in Weihai has implemented a comprehensive development plan for high-quality pension finance, focusing on enhancing policy implementation and financial product innovation [2][4] Group 2: Innovative Financial Products - The "Pension Institution Operation Loan" is a notable financial product that utilizes "pension bed fee rights" as collateral, showcasing innovation in financing for the pension sector [8] - Weihai Rural Commercial Bank has created multiple loan products, including pension institution construction loans and pension industry loans, to support the entire pension industry chain [8] - As of August 2025, Weihai Rural Commercial Bank has issued 82 million yuan in loans to the pension industry and related enterprises [8] Group 3: Support for Silver Economy - Financial institutions in Weihai are encouraged to increase credit support for upstream industries related to the silver economy, such as elderly products and smart healthcare [9] - Weihai Weigao Medical Equipment Co., Ltd. has received 100 million yuan in credit support from Weihai Bank to enhance its competitiveness in the elderly care sector [12] - The banking sector is developing tailored financial services to support the growth of companies like Weigao, which focus on integrating medical and elderly care services [12] Group 4: Establishing Demonstration Banks - Weihai has initiated a "Silver Age Worry-Free" payment service brand and established a recognition mechanism for pension finance demonstration banks [14] - Eight banks have been recognized as demonstration banks, promoting best practices in pension finance and enhancing service quality for elderly clients [14] - The banks are focusing on creating a comprehensive financial service system tailored to the needs of elderly customers, including specialized teams for pension finance [14][15] Group 5: Comprehensive Service Integration - The article highlights the integration of financial services with lifestyle offerings, such as organizing activities for elderly clients to promote a healthy and diverse retirement life [16] - Banks are developing online and offline services to provide a seamless experience for elderly customers, including dedicated service areas and simplified digital interactions [15][16] - Future plans include expanding the coverage of demonstration banks and enhancing the development of tailored financial products for home and smart elderly care [16]