江南时报讯 日前，2025深圳国际智慧养老产业博览会暨"兴业银行杯"首届深圳康养机器人大赛在 深圳会展中心（福田）开幕。展会以"科技赋能，激发银发经济新动能"为主题，设立七大特色展区，覆 盖智慧居家、智能服务机器人及康复辅具、智慧医疗等多个领域，让观众近距离、沉浸式感受科技重塑 老年生活的品质与内涵，展现出深圳正以科技赋能应对人口老龄化挑战，打造智慧养老产业高地。 作为首席融资顾问，兴业银行深圳分行为大会提供全流程专业咨询，并与深圳龙头养老国企、参赛企 业、参展养老企业和投融资机构建立广泛的合作对接，拓展养老产融生态圈，为服务深圳养老产业高质 量发展、加快养老产业资产投放奠定坚实基础，获得高度认可。 (欣仁) 作为国内养老金融先行者，兴业银行深耕养老金融领域已十余载。自2012年推出"安愉人生"综合服务方 案，该行持续发挥集团化优势，打造养老产业金融产品体系，加大对养老产业企业的支持力度，贯彻落 实服务银发经济的社会责任，谱写具有兴业特色的养老金融大文章。截至2025年6月末，该行已支持养 老设施建设、养老照护服务等多个重点领域典型项目，开立个人养老金账户超721万户，服务50岁以上 客户超2800万。 本届 ...

Core Viewpoint - Postal Savings Bank of China (PSBC) demonstrated resilience and steady growth in the first half of 2025, achieving a revenue of 179.446 billion yuan and a net profit of 49.415 billion yuan, both showing positive year-on-year growth despite industry challenges [4][10]. Financial Performance - PSBC's total assets and financial indicators reflect its unique operational resilience, with a net interest margin of 1.70%, maintaining industry leadership [4][5]. - As of June 2025, total customer loans reached 9.54 trillion yuan, a year-on-year increase of 6.99%, while deposits exceeded 16 trillion yuan, growing by 5.37% [5][6]. Asset and Liability Management - The bank's balanced asset-liability structure is attributed to long-term proactive management, with company loans increasing by 14.83% to 4.190 trillion yuan [6][7]. - PSBC has strengthened its core competitiveness in stable, low-cost, and diversified deposits, with corporate deposits rising by 13.86% [5][6]. Business Development Strategy - PSBC is focusing on balanced development across retail, corporate, and asset management sectors, moving away from reliance solely on retail banking [6][8]. - The bank's corporate finance segment has become a highlight, with significant growth in both loans and deposits [6][7]. Risk Management and Technology - PSBC emphasizes risk management and technology investment, enhancing its operational resilience through a comprehensive risk management system and digital transformation [7][8]. - The bank has improved its intelligent risk control capabilities and established a robust data asset foundation to support various business innovations [8][9]. Alignment with National Strategy - PSBC is actively promoting financial services that align with national strategies, focusing on serving agriculture, rural areas, and small enterprises, thereby enhancing its competitive edge [9][10]. - The bank has developed a multi-layered technology finance institution system to support high-growth enterprises [9]. Capital Strengthening - In the first half of 2025, PSBC completed a significant A-share private placement of 130 billion yuan, enhancing its capital adequacy ratios to 14.57% and 10.52% for total and core tier-one capital, respectively [10]. - The capital increase not only alleviates short-term pressures but also activates long-term potential for credit expansion and risk management [10].

Core Viewpoint - The accelerating aging process in China is driving the demand for diversified and multi-level pension security, prompting the insurance industry to innovate products and services to meet the needs of the elderly and their families in risk protection, wealth management, and health services [1][3]. Group 1: Policy Developments - The Beijing Municipal Civil Affairs Bureau issued the "Opinions on Further Improving Comprehensive Liability Insurance for Elderly Care Institutions," which includes coverage for accidental injury or death, legal fees, and third-party liability [1][3]. - The introduction of this policy signifies a move towards comprehensive insurance coverage for elderly care institutions, with similar initiatives being adopted in regions like Xinjiang, Hebei, and Shanghai to encourage insurance uptake through government subsidies [1][3]. Group 2: Insurance Product Innovations - The insurance industry is actively exploring both institutional and market-based commercial insurance solutions to cater to the elderly, with a focus on inclusive insurance offerings and innovative commercial products [1][5]. - Long-term care insurance (LTCI) is highlighted as a critical development, addressing the needs of the growing population of elderly individuals requiring long-term care due to disabilities or chronic conditions [5][6]. - As of 2024, over 180 million people are expected to be insured under LTCI, with more than 2 million individuals receiving care benefits [5]. Group 3: Challenges and Recommendations - Despite the progress in LTCI, challenges remain, including low coordination levels, inconsistent benefits, insufficient rural coverage, and inadequate inclusion of dementia patients [6]. - Experts suggest that China should carefully design a long-term care system that aligns with its national context, avoiding the simple transplantation of foreign models [6]. - Recommendations for improving LTCI include establishing a stable and diverse funding mechanism, enhancing the training and recognition of professional caregivers, and creating unified assessment standards [6]. Group 4: Market Trends and Financial Support - The market is witnessing a surge in innovative products such as exclusive commercial pension insurance and inclusive health insurance, which cater to the specific needs of the elderly [7]. - The People's Bank of China and other departments have emphasized the need to develop the three pillars of pension insurance and enhance the design and management of pension financial products to better serve the aging population [7][9]. - However, the pension financial system faces challenges such as disparities in basic pension benefits, low coverage of enterprise annuities, and complex third-pillar products with low participation rates [7][9]. Group 5: Future Outlook - The silver economy is expected to become a new engine for domestic demand, with a focus on both supply and demand sides to address the challenges posed by an aging population [9].

Core Insights - The aging population in China is driving the demand for diversified and multi-layered pension security, prompting the insurance industry to innovate products and services to meet the needs of the elderly and their families [1][2] Group 1: Policy Developments - The Beijing Municipal Civil Affairs Bureau issued guidelines to enhance comprehensive liability insurance for elderly care institutions, indicating a move towards ensuring that all potential risks are covered [1][2] - Other regions, including Xinjiang, Hebei, and Shanghai, have also released similar documents to encourage elderly care institutions to purchase liability insurance through government subsidies and policy guidance [1][2] Group 2: Insurance Product Innovations - The introduction of comprehensive liability insurance for elderly care institutions aims to cover various risks, including personal injury, legal fees, and third-party liabilities, thereby enhancing service quality and protecting the rights of residents [2] - Long-term care insurance (LTCI) is being gradually implemented across cities in China, with over 1.8 billion people expected to be insured by the end of 2024, addressing the needs of the elderly requiring long-term care [3] Group 3: Challenges and Recommendations - The LTCI system faces challenges such as low coordination levels, inconsistent benefits, and insufficient coverage for rural areas and dementia patients, necessitating a focus on ethical, cultural, and dignified care [3][4] - Experts suggest that China should design a sustainable LTCI framework tailored to its national context, rather than simply adopting foreign models [4] Group 4: Market Trends - The market for elderly financial products is expanding, with innovations such as dedicated commercial pension insurance and inclusive health insurance that cater to the needs of the elderly [5] - The People's Bank of China and other departments have emphasized the need to develop pension insurance pillars and enhance the design and management of pension financial products to better serve the aging population [5][6] Group 5: Future Outlook - The silver economy is expected to become a new engine for domestic demand, with a focus on both supply and demand sides to address the challenges posed by an aging society [6] - Financial technology is seen as a potential solution to restructure the elderly care ecosystem, enabling personalized asset allocation and improving service accessibility for the elderly [6]

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].