他谈到，要充分发挥各类金融工具作用，实现养老金融的可持续发展。推动科创产业发展，应该是金融 发挥功能性的非常重要的途径。金融自身也有可持续发展的问题，推动科创产业化，获得很好的回报， 也是金融业可持续发展的很重要的途径。 陈文辉表示，各种金融工具里面，对于科创产业化，首屈一指的就是股权投资基金，虽然体量比较小， 但是作用很大。 专题：第十六届财新峰会 11月14日消息，在今天举行的第十六届财新峰会上，原中国银保监会副主席，全国社保基金理事会原副 理事长陈文辉表示，养老金积累主要靠投资，而这将有力推进现代化产业体系建设。长期耐心资本的壮 大，对现代化产业体系是非常有作用的。如果有了耐心资本，对于整个科创产业发展，会起到积极作 用，也会使得养老金得到很好的充实。 新浪声明：所有会议实录均为现场速记整理，未经演讲者审阅，新浪网登载此文出于传递更多信息之目 的，并不意味着赞同其观点或证实其描述。 责任编辑：刘万里 SF014 ...

在推动高质量发展的新征程中，作为国民经济的血脉，金融业正肩负着时代所赋予的新的历史使命。 2025年3月，国务院办公厅发布《关于做好金融"五篇大文章"的指导意见》要求，到2027年，金融"五篇 大文章"发展取得显著成效，重大战略、重点领域和薄弱环节的融资可得性和金融产品服务供需适配度 持续提升，普惠金融体系持续完善，养老金融产品和服务更加丰富。 勇担金融新使命，以"价值创造"服务高质量发展，已成为优秀金融机构的自觉行动。 建设银行青岛市分行坚守"金融为民"理念，将自身发展深度融入国家战略大局，在普惠金融、养老金 融、消费金融三大领域持续深耕，以专业赋能发展、以创新驱动突破，精准服务实体经济毛细血管，守 护百姓民生福祉，激发内需市场活力，为经济社会高质量发展注入强劲的金融动能。 普惠金融也是促进全体人民共同富裕的重要途径。作为服务地方经济的主力军，建设银行青岛市分行始 终将服务支持小微企业作为践行普惠金融的核心抓手，通过数字技术重构信贷服务逻辑，以"一滴水"的 精准灌溉，助力千万小微生意焕发生机。 综合服务绘晚晴守护最美"夕阳红" 面对人口老龄化加速带来的挑战，作为国有大行在岛城的金融主力军，（删除）建设银行青 ...

21世纪经济报道记者 曹媛 深圳报道 当前，我国正大力发展多层次征信市场，广泛覆盖全社会征信需求。 个人征信方面，先后批设了3家市场化个人征信机构。2024年，个人征信机构提供信用评分、信用画 像、反欺诈等各类征信服务700多亿次。 企业征信方面，2024年，154家企业征信机构提供各类征信服务365亿次。同时，人民银行持续推动地方 征信平台市场化转型升级，截至2024年末，征信平台已累计服务各类经营主体近700万家，促成融资规 模突破24万亿元。 征信对企业融资为何重要？原因在于，小微企业因风险、规模、资产等限制，仅靠传统"三表"信息难获 充足信贷支持。而这类企业多以个人经营为主，金融机构审批时需结合个人征信与企业数据，挖掘信用 关联以全面评估信用价值。 历经多年发展，我国已形成"政府＋市场"双轮驱动的征信体系。其中，位于深圳的百行征信，是国内首 家拥有"个人+企业"双业务资质的市场化机构，也是我国三家持牌市场化个人征信机构之一。 "对于小微企业主和个体工商户，百行征信可以发挥个人征信、企业征信双资质的独特禀赋，将小微企 业主个人信用状况和企业资质情况相结合，更好服务金融机构开展信用评估、授信管理。" 近日 ...

Core Insights - Agricultural Bank is transforming its branches into community support hubs, providing services beyond traditional banking, such as rest areas for delivery riders and social spaces for the elderly [1][2][3] Group 1: Services for New Citizens - Agricultural Bank has established dedicated rest areas in branches for delivery riders, equipped with amenities like water dispensers, microwaves, and phone chargers, enhancing their service experience [2] - The bank has conducted over 7,800 public service activities this year to support outdoor workers like delivery riders and sanitation workers [2] Group 2: Services for the Elderly - The "Golden Age Home" initiative in Xiamen offers a multifunctional space for elderly clients, combining financial services with health management and social interaction [3][6] - Agricultural Bank has implemented accessibility improvements in over 3,000 branches to better serve elderly customers, including features like ramps and medical equipment [6] Group 3: Support for Rural Revitalization - Agricultural Bank has opened a new branch in the remote Beiji Village, enhancing financial service accessibility for local residents and tourists [7] - The bank is deploying mobile financial service teams to rural areas, facilitating social security card services and other banking needs directly in villages [9][11]

刘洋在致辞中表示，特色网点的持续扩容是该行践行社会责任、深化G端合作的重要举措——此前该行 已联合省教育厅、省司法厅、省卫健委举办"幸福龙江 乐龄永动"敬老月活动，未来13家特色网点将进 一步发挥示范作用，让金融服务更好惠及老年群体。（宋红蕊） 编辑：赵鼎 近日，建设银行黑龙江省分行第三批"健养安"养老金融特色网点揭牌仪式顺利举行。建设银行黑龙江省 分行营业部、齐齐哈尔分行营业部、牡丹江分行营业部、大庆分行营业部、哈尔滨太平支行营业部、哈 尔滨哈龙支行营业部、哈尔滨哈东支行等7家网点通过"线上+线下"联动方式同步揭牌，标志着该行养老 金融特色服务网络持续扩容，全省范围内"健养安"特色网点已达13家。建设银行黑龙江省分行副行长刘 洋、投资银行业务部（养老金融部）总经理李金忠，建信人寿黑龙江分公司总经理李忠国参加仪式。 作为深入贯彻中央金融工作会议做好"五篇大文章"决策部署的具体实践，建设银行黑龙江省分行将"健 养安"养老金融特色网点建设从试点推向常态化，养老金融服务取得积极成效。截至2025年9月末，该行 个人养老金账户超过41万户，"安心""健造"系列产品规模达14.89亿元。此次新增的7家特色网点将聚焦 产 ...

Core Viewpoint - The article emphasizes the proactive role of Shenwan Hongyuan Group in supporting national strategies through diversified financial services, focusing on technology finance, inclusive finance, green finance, pension finance, and digital finance, thereby contributing to high-quality economic development [1][19]. Group 1: Technology Finance - Shenwan Hongyuan Group has invested in high-end engine development for commercial aviation, supporting the C919 aircraft's engine projects, which ensures long-term funding for domestic aviation engine independence [3]. - The group is also involved in low-altitude economy initiatives, financing the W5000 unmanned cargo aircraft, which sets a benchmark in low-altitude logistics with its payload and range capabilities [3]. - Additional investments include support for Tianbing Technology, which has achieved significant milestones in commercial spaceflight, enhancing China's capabilities in satellite launches [5]. Group 2: Inclusive Finance - The group has partnered with Shanghai Construction Group to develop over 1,400 affordable rental housing units in Shanghai, benefiting new citizens and young people [10]. - Collaborations in urban renewal projects in Beijing and Chengdu aim to improve living conditions and upgrade old neighborhoods, aligning with the "housing for all" commitment [10]. - Financial support for small and micro enterprises has been emphasized, with investments aiding truck drivers and the logistics sector, as well as healthcare initiatives to support the aging population [12]. Group 3: Green and Digital Finance - Shenwan Hongyuan Group's futures division has implemented risk management strategies for various industries, including a notable case in the food sector that received media recognition for its effectiveness in stabilizing operations [14]. - Investments in companies like Xijing Technology focus on smart and green solutions, enhancing operational efficiency in global logistics [16]. - The group has also engaged in financing projects that align with national carbon neutrality goals, contributing to the development of new energy solutions [16]. Group 4: Consumer and Regional Development - The group participated as a strategic investor in consumer REITs, achieving a record subscription rate, indicating a deepening of the REITs market in China [17]. - Investments in regional development projects, such as the establishment of high-standard factories in Suzhou, support the growth of intelligent manufacturing in the Yangtze River Delta [17]. - The collaboration with e-commerce and offline resources aims to unlock consumer potential in the southwest region [17].

Core Viewpoint - The article emphasizes that the high-quality development of the capital market will provide critical support for the "14th Five-Year Plan" period, enabling Chinese securities firms to embark on a journey towards becoming first-class investment banks [9][10]. Group 1: High-Quality Development of Capital Markets - The capital market is positioned as a crucial hub for modern economy and finance, facilitating precise resource allocation to strategic sectors, promoting technological innovation, and enhancing wealth accumulation for residents [3][4]. - The "14th Five-Year Plan" highlights the need for a financial powerhouse, advocating for the development of technology finance, green finance, inclusive finance, pension finance, and digital finance [3][4]. - The focus during the "14th Five-Year Plan" will be on three main directions: the dual expansion of quality assets and funds, steady advancement of high-level institutional openness, and continuous optimization of market ecology under strong regulation [4][5]. Group 2: Asset and Fund Expansion - The article notes that the demand for quality investment and financing tools will continue to grow, with a focus on nurturing a group of quality listed companies and enhancing the direct financing of equity and bonds [5][6]. - Specific measures include deepening reforms in the Sci-Tech Innovation Board and the Growth Enterprise Market, improving the identification and pricing mechanisms for technology innovation enterprises, and developing private equity and venture capital funds [5][6]. Group 3: High-Level Institutional Openness - The article discusses the ongoing emphasis on openness in China's capital market, with significant achievements during the "13th Five-Year Plan" period, such as the removal of foreign ownership limits and the optimization of the Qualified Foreign Institutional Investor system [6][7]. - The "14th Five-Year Plan" aims to further expand institutional openness, supporting the coordinated development of onshore and offshore markets and enhancing the international competitiveness of China's capital market [6][7]. Group 4: Regulatory Environment - The article highlights that a precise and efficient regulatory framework is essential for the stable operation of the capital market, with a focus on enhancing financial regulation and risk prevention mechanisms [7][8]. - The "14th Five-Year Plan" proposes a comprehensive strengthening of financial regulation, emphasizing the need for collaboration between central and local regulatory bodies [7][8]. Group 5: Opportunities for Securities Firms - The high-quality development of the capital market is expected to provide significant opportunities for Chinese securities firms, enabling them to transform their business models and expand their operational scope [9][10]. - The article suggests that the dual expansion of quality assets and funds will drive the transformation of securities firms, while high-level openness will help them break through local boundaries [9][10].

Core Viewpoint - Agricultural Bank of China Jiangmen Branch is actively promoting a series of initiatives aimed at enhancing elderly care services and financial support for the aging population, aligning with national policies on pension and elderly care [2][3][4][5][6][7] Group 1: Elderly Care Initiatives - The bank has launched the "Warm Autumn, Respect for the Elderly" series of activities to address the diverse needs of the elderly population, focusing on creating a sustainable elderly financial service system [2] - Jiangmen Branch is increasing its credit support for the elderly care industry, with a nearly 100% increase in loans for the sector by the end of October compared to the beginning of the year [3] - The bank is actively engaging with local elderly care service providers to tailor financial solutions, such as online credit loans, to help them overcome operational challenges [3] Group 2: Financial Services and Accessibility - The bank is implementing "social security for the people" initiatives, enhancing the accessibility and convenience of social security services through local branches [4] - A recent financial knowledge promotion event helped over 150,000 customers open personal pension accounts, with extensive outreach activities conducted in various communities [5] - Jiangmen Branch has established an "age-friendly service demonstration outlet," optimizing facilities and services to cater to the needs of elderly customers [6] Group 3: Future Directions - The bank aims to continue analyzing trends in the elderly care sector and financial needs, focusing on a comprehensive service system that includes diverse product offerings and multi-dimensional customer engagement [7]

近日，兴业银行发布《养老金融发展白皮书(2025)》。《白皮书》立足商业银行专业优势，详细研判我 国在人口老龄化过程中遇到的问题，通过剖析居民养老需求、梳理境外养老金融成熟经验、提炼我国养 老金融创新实践成果、研判行业未来发展趋势，为养老金融业务发展提供可借鉴的实践范式，服务积极 应对人口老龄化国家战略实施，助力银发经济高质量发展。 人口老龄化是我国当前及未来长期面临的重要挑战。根据国家统计局数据，截至2024年底，我国60岁及 以上、65岁及以上人口占比分别达到22.0%和15.6%。"十五五"期间，我国人口老龄化程度将持续加 深。 《白皮书》以"政策解读—需求分析—实践探索—国际镜鉴—趋势研判"为逻辑主线，分为五大核心篇 章：一是政策跟踪篇，深入剖析近年来养老金融政策对我国养老金融的积极影响，厘清我国养老金融在 监管指引下的发展路径与核心方向。二是居民需求篇，通过调查研究进一步了解当前我国居民对养老金 融的认知程度、居民养老资产储备以及养老消费偏好等情况，并在此基础上对居民养老消费和服务需求 的痛点进行了解构，形成了"泛养老客群"的客户画像，以期为金融机构开展养老金融服务提供数据支撑 与决策参考。三是实践 ...

筑牢风险防控堤坝，夯实高质量发展根基。该行始终坚持风险为本，将资产质量管控视为业务发展的生 命线，以高水平安全保障高质量发展。持续完善信贷全流程风险管理体系，强化客户准入管理，严格执 行信贷审批标准，认真做好贷前尽职调查，运用各类信息平台交叉验证客户资质，确保新增贷款投向安 全；加强贷后精细化管理，综合运用系统监测和实地检查相结合的方式，密切关注客户经营动态、资金 流向及担保物状况，对潜在风险早识别、早预警、早处置。对暂时出现还款困难但基本面尚可的企业， 积极运用展期、重组、调整还款计划等方式助企纾困。（董思妗） 转自：新华财经 聚焦"五篇大文章"，精准滴灌重点领域与薄弱环节。该行深刻把握金融工作的政治性和人民性，将做 好"五篇大文章"作为业务发展的主攻方向，持续加大资源倾斜与政策保障力度。科技金融方面，重点加 大对辖内高新技术、专精特新及科技型中小微企业的信贷支持，助力企业转型升级。截至10月31日，科 技型企业贷款比年初增2.58亿元。绿色金融领域，持续深化对水电、新能源、节能环保项目的绿色融资 服务，9月1日，成功向广西某生物质科技有限公司发放1亿元绿色流动资金贷款，有力支持该企业循环 经济模式向深化发 ...