站在新起点，国泰海通相关负责人表示，未来将强化打造一流投行的使命担当，持续优化体制机制，释 放融合新活力与新动能。通过实施更具系统性、变革性、前瞻性的战略举措，不断强化核心能力，构建 客户经营新模式与新优势，充分发挥先行探路、示范引领、辐射带动作用，助力全球要素资源向上海集 聚，持续提升上海国际金融中心建设能级，为中国资本市场高质量发展贡献更大力量。 2025年以来，国泰海通坚持以客户为中心，统筹整合融合与经营管理工作，主动服务国家和上海重大发 展战略，扎实做好科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"，巩固提升核心 竞争优势，经营业绩实现大幅增长。 本报讯 （记者张文湘 见习记者占健宇）近日，在《证券日报》社有限责任公司举办的"2025证券市场年 会暨2025金骏马颁奖典礼"上，国泰海通（601211）证券股份有限公司（以下简称"国泰海通"）凭借在 服务国家战略、赋能实体经济等方面的突出实绩，成功获得"金骏马服务实体卓越机构"奖。 ...

（来源：广州金融） 从广交会上企业拿着百万美元订单的笑颜，到养殖场里养殖户安心劳作的身影；从低空飞行器翱翔蓝天的科技之美，到"穗岁康"守护万千家庭的温暖场 景……在广州这座充满活力的超大城市，中国人民财产保险股份有限公司广州市分公司（以下简称"人保财险广州市分公司"）正以"人民保险 服务人 民"为初心，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"，用专业保险服务为经济高质量发展注入动能，为民生福祉筑牢安 全屏障。 2025年，人保财险广州市分公司实现保费规模历史性突破百亿元。这一里程碑背后，是公司紧扣国家战略、对接区域需求的精准发力，是产品创新与服务 升级的持续深耕，更是扎根岭南大地、服务万千市场主体的责任担当。如今，无论是科技创新企业的"出海"征途，还是乡村振兴的田间地头；无论是重大 赛事的安全保障，还是普通百姓的日常所需，都能看到人保财险的身影，感受到保险的温度与力量。 人保财险广州市分公司连续14年亮相金交会，为顾客提供精准服务。 低空经济是广州培育新质生产力的重要赛道，人保财险广州市分公司再次抢占创新先机。2024年7月，全国首个"低空飞行器专属保险"在广州亮相，广州 亿航智能技 ...

文/ 中国建设银行研究院宏观研究团队处长、研究员 梅兴文 " 十五五 " 规划建议提出要完善并落实基本养老保险全国统筹制度，加快 发展多层次、多支柱养老保险体系。中央金融工作会议提出大力发展养老 金融。本文认为，要加速结构转型，养老金融为民生领域提供保障；围绕 转型规划，养老金融要主动寻找发展新空间；把握政策机遇，养老金融要 勇于突破直面挑战；坚持 " 投资于人 " ，关注重点养老人群金融需求。 进入新发展阶段，我国经济面临战略发展机遇期，既要实现经济结构优化升级与新旧动能有序转换，也要应对人口结构少子化和老龄化加剧的挑战，有效 需求不足，就业和居民收入增长压力较大，民生保障存在短板，老年抚养比快速上升，呼唤全方位、系统性重塑以深化改革和科技创新红利破解养老难 题，养老金融业务即将迎来黄金发展期。 加速结构转型，养老金融为民生领域提供保障 党的二十届四中全会指出， " 坚持扩大内需这个战略基点，坚持惠民生和促消费、投资于物和投资于人紧密结合 " 。未来，与人相关行业产业领域将成为 经济社会发展重点，各类社会与公共资源投向教育、就业、医疗健康、养老、社会保障、保障性住房等民生领域，均与养老金融业务息息相关。养老 ...

Core Viewpoint - The article emphasizes the importance of developing a comprehensive pension finance system to address the challenges posed by an aging population, highlighting the role of Postal Savings Bank in promoting high-quality development in pension finance [1][6]. Group 1: Pension Financial Services - Postal Savings Bank has served over 130 million urban and rural basic pension insurance customers and has issued a significant number of financial social security cards, ranking among the industry leaders [2]. - The bank has established a comprehensive personal pension service system covering the entire process from account opening to withdrawal, offering a wide range of investment products [3]. - Innovative features such as retirement benefit calculators, automatic contributions, and family pension accounts are being introduced to enhance personal pension planning [3]. Group 2: Elderly Customer Services - The bank has launched various initiatives to improve services for elderly customers, including the "Postal Warm Double Ninth Festival" and the "Vitality Life Card" series, which provide a range of benefits in health and wellness [4]. - Efforts to bridge the digital divide for elderly clients include optimizing physical branches and enhancing online banking accessibility [5]. Group 3: Pension Industry Financing - Postal Savings Bank has developed a "5-2-3" service system focusing on five core areas and implementing a dual-drive strategy to provide tailored financial solutions for the pension industry [6]. - The bank has successfully initiated significant projects, such as a 4.972 billion yuan health care syndicate project in Wenzhou, demonstrating its commitment to innovative financial services in the pension sector [6][7]. - The establishment of a collaborative mechanism among government, banks, and enterprises aims to enhance the local pension service system and promote high-quality pension service supply [7]. Group 4: Future Directions - The bank plans to continue enhancing its pension financial service capabilities and has launched the "U Enjoy Future" pension finance brand, further solidifying its commitment to protecting pension assets and serving the elderly population [7].

Core Viewpoint - The forum hosted by Postal Savings Bank focuses on the development of pension finance to address the aging population and enhance the quality of pension services in China [1] Group 1: Pension Financial Services - Postal Savings Bank has served over 130 million urban and rural basic pension insurance customers and has issued a significant number of financial social security cards [2] - The bank has established a comprehensive personal pension service system covering the entire process from account opening to withdrawal, with over 10 million personal pension accounts opened [3] - The bank's innovative features such as retirement benefit calculators and automatic contributions are aimed at improving personal pension planning [3] Group 2: Elderly Customer Product Rights - The bank launched the "Vitality Life Card" series in collaboration with China UnionPay, offering 12 types of pension rights across six categories [4] - The bank has organized activities like the "Postal Warm Double Ninth Festival" to enhance the financial and social engagement of elderly customers [4] Group 3: Elderly Service Financial Enhancement - Postal Savings Bank is improving services for elderly clients through both offline and online channels, including the establishment of over 3,000 health management stations [5] - The bank is creating a comprehensive ecosystem for elderly services, integrating financial and cultural offerings [5][6] Group 4: Strengthening Pension Industry Finance - The bank has developed a "523" service system targeting five core areas and implementing a dual-drive strategy to provide tailored financial solutions for the pension industry [7] - The bank has successfully launched significant projects, such as a 4.972 billion yuan health and wellness syndicate project in Wenzhou, demonstrating its commitment to supporting local pension service systems [7] - The bank is continuously enhancing its support mechanisms for the pension industry, including optimizing credit policies and developing specialized financial products [7] Group 5: Future Directions - Postal Savings Bank has introduced the "U Enjoy Future" pension finance brand and released a report on national pension demand trends, reinforcing its commitment to enhancing pension financial services [8] - The bank aims to protect pension assets, warm the elderly customer base, and deepen its involvement in the pension industry [8]

Core Viewpoint - The article emphasizes the importance of developing a multi-layered and multi-pillar pension financial system in response to China's aging population, highlighting the role of Postal Savings Bank in enhancing pension wealth management and financial services [1][11]. Group 1: Pension Financial Services - Postal Savings Bank has issued over 130 million financial social security cards and opened over 10 million personal pension accounts, actively supporting the national multi-layered pension insurance system [3]. - The bank has enhanced its "financial + social security" one-stop service capabilities, allowing for features such as card replacement and electronic social security card issuance [3]. - The bank offers a comprehensive lifecycle management service for personal pension accounts, covering all channels and products, including deposits, funds, insurance, and wealth management [4]. Group 2: Elderly Customer Services - Postal Savings Bank has improved its elderly-friendly financial services, including the development of user-friendly mobile banking features and the establishment of over 3,000 health management stations for elderly clients [7]. - The bank has launched various community initiatives, such as the "Postal Love Silver Home" project, to provide a supportive environment for the elderly [7]. - The bank's "U Enjoy Future" pension financial brand was officially launched, aiming to enhance the quality of life for elderly customers through tailored financial solutions [10][11]. Group 3: Pension Industry Financing - Postal Savings Bank has created a "523" service system focusing on five core areas and implementing a dual-drive strategy to provide customized financial solutions for the pension industry [9]. - The bank has successfully led a 4.972 billion yuan health and wellness financing project in Wenzhou, showcasing its innovative financial service model [9]. - The bank is continuously improving its support systems, including optimizing credit policies and developing specialized products for pension fund management [10].

党的二十届四中全会部署"十五五"战略任务，进一步推动老有所养、老有所为，为未来五年发展养老金 融提供了根本遵循和指引。作为金融央企，中国人寿立足综合金融优势，促进养老资金储备、探索养老 服务新模式、加大对银发经济支持力度，助力金融活水融入养老事业肌理，扎实写好养老金融大文章。 "一增一减" 充实养老钱袋子 养老资金储备直接关系到晚年养老的幸福指数，事关居民养老"刚需"，如何充实养老钱袋子？一增一 减，是中国人寿的实践路径。 "增"即通过专业投资，丰盈养老资金储备。中国人寿充分发挥保险、投资、银行三大业务板块协同发展 的综合金融优势，立足于丰富的险资跨周期资金管理经验，全面布局养老三支柱业务。截至2025年三季 度末，第一支柱方面，中国人寿集团旗下养老险公司为超750亿元基本养老保险基金提供投资管理服 务，特定投资组合规模和业绩排名前列，实现基金保值增值；第二支柱方面，中国人寿养老险公司企业 年金和职业年金管理累计规模超2.1万亿元；第三支柱是养老金融发展的突破口，也是中国人寿落实养 老金融的着力点，中国人寿集团成员单位广发银行个人养老金资金账户开户量超340万，持续丰富产品 货架，积极开发、引进符合不同投资偏 ...

Core Viewpoint - The article discusses the "Future of Elderly Finance" forum hosted by Postal Savings Bank, emphasizing the importance of developing a multi-tiered pension insurance system to address the challenges of an aging population and enhance the quality of elderly financial services [1] Group 1: Pension Financial Services - Postal Savings Bank actively supports the national multi-tiered pension insurance system, having issued over 130 million financial social security cards and opened over 10 million personal pension accounts [2] - The bank enhances its "financial + social security" one-stop service capabilities, offering features like card replacement and cross-province services [2] - Innovative applications of social security cards are being explored, such as facilitating efficient distribution of elderly meal subsidies and providing convenient payment scenarios for senior customers [2] Group 2: Personal Pension Management - The bank provides comprehensive lifecycle management for personal pension accounts, covering all channels and products, including deposits, funds, insurance, and wealth management [3] - Unique services like retirement benefit calculators and automatic contributions are introduced to help customers better manage their pension savings [3] - The family pension account feature allows customers to view their family's pension asset distribution, aiding in family pension planning [3] Group 3: Elderly Customer Product Rights - Postal Savings Bank launched the "Warm Elderly Season" initiative, creating a "financial + elderly care" ecosystem and introducing the "Vitality Life Card" series, which includes various health and wellness benefits [4] - Collaborations with insurance and wealth management institutions aim to enhance the quality and accessibility of pension products for elderly customers [4] Group 4: Elderly Financial Services Enhancement - The bank is improving its services for elderly customers by enhancing the accessibility of physical branches and self-service devices, as well as providing a user-friendly mobile banking experience [5] - Initiatives like the "Postal Love Health Station" and "Postal Love Silver Home" are established to offer convenient health management and community support for the elderly [5] Group 5: Strengthening Elderly Industry Finance - Postal Savings Bank has developed a "523" service system focusing on five core areas and implementing a dual-drive strategy to provide tailored financial solutions for the elderly industry [6] - The bank has successfully facilitated significant projects, such as a 4.972 billion yuan health care syndicate project in Wenzhou, showcasing its innovative financial service models [6] - Collaborations with local governments and enterprises have led to the establishment of quality projects that enhance the multi-tiered elderly service system [6] Group 6: Future Directions - The bank is committed to enhancing service quality and activating development momentum by optimizing credit policies and creating collaborative mechanisms for the elderly industry [7] - The launch of the "U Enjoy Future" pension finance brand and the release of a national pension demand trend report signify the bank's dedication to supporting the elderly economy [7] - Future efforts will focus on integrating elderly finance into the bank's strategic development, ensuring the protection of pension assets and the well-being of elderly customers [7]

在人口老龄化加速、健康与养老服务需求日益增长的时代背景下，宁波银行嘉兴分行立足本地实际，积 极践行"尊老、爱老、助老、为老"服务理念，围绕服务场景、产品体系、平台共建等方面持续发力，不 断完善养老金融服务生态，助力老年客户实现"老有所养、老有所依、老有所乐、老有所获"。 乐龄平台共建，拓展多元服务内涵 宁波银行嘉兴分行深度参与地方"为老服务生态圈"建设，通过政银合作打造"嘉禾·银色家园"综合性为 老服务平台，为老年人提供更加丰富多元的生活选择。依托该平台，分行开设"银龄学堂"，常态化开展 金融知识普及、防诈反诈宣传等活动，并将服务拓展至健康养生、手工互动、文体活动等多元场景，切 实满足老年群体日益增长的精神文化需求。自平台共建以来，已陆续开展养生讲座、红色观影、桌上冰 壶体验赛等形式多样的活动。与此同时，分行持续推动金融服务与人文关怀深度融合，2025年以来，已 累计开展面向老年人的金融宣传教育活动超500场，服务老年群体近2万人次，有效扩大了养老普惠服务 的覆盖面与影响力。 场景适老化改造，提供便捷暖心服务 宁波银行嘉兴分行聚焦老年群体金融服务痛点，全面推进线上线下服务场景适老化升级，致力于为老年 客户提供 ...

养老，一头牵着千家万户的日常幸福，另一头连着积极应对人口老龄化国家战略。随着人口老龄化程度 的持续加深，养老金融已成为社会保障体系的重要支柱，也是连接金融发展与民生福祉、促进共同富裕 的重要纽带。 截至2024年底，根据国家统计局所公布的数据，我国60岁以上人口占比和65岁以上人口占比分别为 22.0%和15.6%。相较于5年前的2019年底，上述两组数据分别提升了3.9和3.0个百分点。而根据联合国 在2024年底所更新的预测，在基准条件下，我国65岁以上人口占比将在2032年底超过20.0%，在2049年 底突破30.0%的关口。 为了应对渐行渐近的老龄化挑战、做好"养老金融"大文章，2024年下半年至2025年上半年，金融监管部 门集中出台了多项养老金融政策，从养老金融的顶层设计和统计制度入手，在养老金金融、养老产业金 融和养老服务金融等多个领域明确了未来我国养老金融的发展方向。 展望未来，《白皮书》指出，随着中央金融监管部门陆续出台养老金融政策、相关框架与范畴逐步厘 清，以及中青年居民养老意识的增强，我国养老金融发展或将呈现"六化"趋势：居民养老资金管理体系 化、养老财富储备产品丰富化、养老金融服务供 ...