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 ...

21世纪经济报道记者 唐婧 北京报道 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。 2024年12月，中国人民银行等九部门联合印发了《关于金融支持中国式养老事业 服务银发经济高质量 发展的指导意见》，要求坚持分类施策，对于不同年龄阶段、不同老年人群，丰富创新针对性金融产 品，提供精准高效的养老金融服务。2025年3月，国家金融监督管理总局印发了《银行业保险业养老金 融高质量发展实施方案》，明确提出要建立多元主体参与、多类产品供给的商业养老金融体系，有效满 足多样化需求。 政策的顺利落地离不开对市场的精准洞察。为此，兴业银行于近日发布了《养老金融发展白皮书 （2025）》（下称《白皮书》），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，为我国养老金融业务发展提供可借鉴的实践范式，助力行 业将政策要求转化为服务效能。 居民养老需求有共识也有分歧 《白皮 ...

过去，围绕我国社会养老保障体系"三大支柱"，商业银行构建了各具特色的财富管理体系，但在很长一段时间里对老年群体的服务始终停留在 浅层，本质上依然是聚焦于养老金账户管理与资产配置的传统金融服务。 如今，随着我国明确提出"实施积极应对人口老龄化国家战略"，并将养老金融纳入金融"五篇大文章"后，多数银行都逐渐意识到，养老服务不 再是单纯的资金管理，而是一个贯穿客户全生命周期，涉及财富管理、支付结算、医疗健康，甚至精神文化等多维度的长期"场景"。 21世纪经济报道记者 家俊辉 广州报道 在人口老龄化浪潮席卷全球的今天，我国将面临规模大、进程快、程度高、持续久的银发社会新常态。与此同时，一个巨大的"银发经济"市场 正加速形成。 2022年起，养老金融政策密集出台，特别是中央金融工作会议将"养老金融"列入金融"五篇大文章"后，养老金融成为商业银行服务国家战略、 践行金融为民的新蓝海，亦成为其推动业务转型、发掘增长动能的新领域。 究其原因，传统的"银发金融"服务已无法满足追求高品质养老的老年人，更无法满足养老意识提升的年轻人。对此，有业内人士向21世纪经济 报道记者分析称，传统金融服务主要聚焦于资金账户的管理，但当前居民养 ...

21世纪经济报道记者 郭聪聪 北京报道 "市场涨涨跌跌，我存的养老钱的收益会受多大影响呢？" 随着人口老龄化加速，养老财富的保值增值成为亿万家庭的核心关切。同时，资本市场的周期性波动， 也让不少投资者对养老资金的长期规划忧心忡忡。 作为养老金融服务的主力军，商业银行如何发挥专业优势，熨平市场波动带来的收益起伏，打造居民养 老财富"压舱石"，成为养老金融高质量发展的关键命题。 全生命周期管理：筑起抗波动的防火墙 养老财富管理的核心诉求是"长期稳健"，如何在穿越经济周期的过程中，既避免本金大幅亏损，又能实 现合理增值，考验着银行的专业能力。 如今，商业银行向"终身伙伴"角色转型，通过覆盖"备老—养老—享老"全阶段的配置策略，成为熨平周 期波动的第一道防线。 "不同年龄、不同风险承受能力的客户，养老财富规划需求差异很大。"兴业银行养老金融部相关负责人 介绍，该行构建的"123+"养老金融财富经营体系，正是角色转型的落地实践。 这一体系以1个"安愉人生"品牌为核心，服务备老（年轻及中年群体）、养老（老年群体）2 类客群， 涵盖3条养老金融产品线，多套养老财富策略，形成全周期财富保障体系。 分层服务成为应对不同风险偏好 ...