今年5月7日，中国证监会推出重磅改革方案——《推动公募基金高质量发展行动方案》（以下简称《行 动方案》），针对市场和社会关切的痛点、堵点问题提出25条改革措施，督促公募基金形成高质量发 展"拐点"，促进行业持续提升服务居民财富管理、服务资本市场改革发展稳定、服务实体经济和国家战 略的能力。 专题：北京公募基金高质量发展系列活动 新时代、新基金、新价值 2025年9月8日，在北京证监局指导下，北京证券业协会携手北京公募基金管理人、基金销售机构、基金 评价机构及多家主流媒体，共同启动"北京公募基金高质量发展系列活动"。活动以"新时代·新基金·新价 值——北京公募基金高质量发展在行动"为主题，旨在贯彻落实《推动公募基金高质量发展行动方 案》，进一步提升北京作为国家金融管理中心的引领作用，打造北京金融高质量发展新名片。 泓德基金表示，《行动方案》为公募基金行业高质量发展指明了路径，公司将立足"新时代"，以"新基 金"为载体，探索新模式，致力于为持有人创造持续、稳健的"新价值"。 新时代——责任担当 金融为民 《行动方案》坚持以投资者为本的理念，突出强化与投资者的利益绑定，突出增强基金投资行为稳定 性，突出提升服务投资 ...

Core Viewpoint - The 2025 China International Service Trade Fair (CIFTIS) highlighted the role of financial services in empowering the real economy, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [1] Group 1: Pension Finance - Pension finance is a crucial component of the financial service system, addressing aging populations and supporting the silver economy, with significant market potential [3] - The current pension system in China operates on a "three-pillar" model: the first pillar is government-led basic pension insurance, the second pillar is enterprise-led occupational annuities, and the third pillar is individual voluntary pensions [4] - Insurance companies are actively developing all three pillars, showcasing their investment management services for basic pension funds and expanding their enterprise and individual pension offerings [4][5] Group 2: Product Innovation and Demand - Recent innovations in pension insurance products have diversified to meet various retirement needs, moving beyond traditional annuities to include multiple product forms such as participating annuities and universal life products [4] - Insurance companies are adjusting underwriting rules to accommodate older clients, offering flexible payout options to create sustainable cash flow for consumers [5] Group 3: Integration of Financial and Service Sectors - Pension finance should extend beyond product sales to actively participate in building and operating the pension service system, as demonstrated by various financial institutions [6] - Initiatives include establishing large-scale health and pension funds and creating multi-level pension service systems that integrate community and home care [6] Group 4: Aging-Friendly Innovations - Financial institutions are prioritizing aging-friendly innovations, such as video banking and voice recognition technology, to enhance service accessibility for elderly clients [7] - The push for aging-friendly modifications is evident in various institutions, including the comprehensive renovation of service points to better serve older customers [7] Group 5: Expert Recommendations for Development - Experts emphasize the importance of a robust pension financial service system for the high-quality development of the silver economy, advocating for improvements in policy, product, and regulatory frameworks [8] - Calls for optimizing the structure of pension services and financial resources to support both market-driven and policy-based pension solutions have been made [9]

Core Insights - The aging population in China is accelerating, leading to a diversified demand for elderly care services, with a focus on the development of inclusive and intelligent elderly finance as a key area for improving the quality of life for seniors and supporting the construction of the pension system [1][3] - The integration of artificial intelligence (AI) technology into the entire elderly finance chain is seen as a solution to address high service thresholds, narrow coverage, and weak data support [1][3] Group 1: Demographics and Market Needs - By the end of 2024, the elderly population aged 60 and above in China is projected to reach 31.03 million, accounting for 22% of the total population, while those aged 65 and above will number 22.02 million, making up 15.6% of the total [3] - The demand for specialized and precise elderly finance services is becoming increasingly urgent as the aging population grows [3] Group 2: AI's Role in Elderly Finance - AI can lower the cost and threshold of elderly finance services, allowing for a broader reach beyond traditional high-net-worth individuals and large enterprises [3][4] - AI enhances the transparency and adaptability of elderly finance products, fostering consumer trust and engagement by providing tailored financial planning based on individual risk preferences and life scenarios [4] Group 3: Data Utilization and Challenges - Despite the potential of AI in elderly finance, challenges remain, including insufficient depth of AI application, unclear boundaries for data privacy protection, scarcity of high-quality financial data, and inadequate computational support [5][6] - The financial industry faces significant data sharing shortcomings, with public data often fragmented and non-public data circulation being inefficient [5][6] Group 4: Collaborative Efforts and Future Directions - The development of elderly finance requires collaboration among government, market, society, and families to leverage AI tools effectively [7] - There is a need for enhanced top-level design and institutional supply to ensure that pension systems benefit a wider population [7] - Establishing a national public database and improving personal information protection mechanisms are essential for maximizing the value of data in elderly finance [7] Group 5: Technological Integration and Service Innovation - Companies are encouraged to build unified health and care platforms that integrate various data sources to provide personalized services [8] - The application of IoT and advanced intelligent devices is being explored to enhance service efficiency and improve the quality of life for the elderly [8]

Core Insights - The aging population in China is accelerating, leading to a diversified demand for elderly care services, with a focus on the development of inclusive and intelligent elderly finance as a key area for improving the quality of life for seniors and supporting the construction of the pension system [1][2] - The integration of artificial intelligence (AI) technology into the entire chain of elderly finance is seen as a solution to address high service thresholds, narrow coverage, and weak data support [1][2] Group 1: Demographics and Market Needs - By the end of 2024, the elderly population aged 60 and above in China is projected to reach 31.03 million, accounting for 22.0% of the total population, while those aged 65 and above will number 22.02 million, making up 15.6% [2] - The demand for specialized and precise elderly financial services is becoming increasingly urgent as the aging population grows [2] Group 2: Role of AI in Elderly Finance - AI can lower the cost and threshold of elderly financial services, allowing for a broader reach beyond traditional high-net-worth individuals and large enterprises [2][3] - AI enhances the transparency and adaptability of elderly financial products, fostering consumer trust and engagement by providing tailored financial planning based on individual risk preferences and life scenarios [3] Group 3: Challenges in AI Implementation - The application of AI in elderly finance faces several challenges, including insufficient depth of use, unclear boundaries for data privacy protection, scarcity of high-quality financial data, and inadequate computational support [4][5] - Data sharing issues exist within the financial industry, with public data often fragmented and non-public data facing circulation challenges [5] Group 4: Collaborative Efforts Required - The development of elderly finance is a long-term endeavor that requires collaboration among government, market, society, and families to leverage AI tools effectively [6][7] - There is a need for enhanced top-level design and institutional supply to promote the cross-sector development of AI-enabled elderly finance [7] Group 5: Technological Integration and Service Innovation - Companies are encouraged to build unified platforms that integrate health records, care documentation, and financial assets to provide personalized services [8] - The use of IoT, smart devices, and advanced technologies is being promoted to create digital applications that enhance the quality of life for the elderly [8]

Core Insights - The aging population in China is accelerating, leading to a diversified demand for elderly care services, with a focus on the development of inclusive and intelligent elderly finance [1][2] - Artificial intelligence (AI) is being integrated into the entire elderly finance chain, addressing issues such as high service thresholds, narrow coverage, and weak data support [1][2] Group 1: Demographics and Market Needs - By the end of 2024, the elderly population aged 60 and above in China is projected to reach 31.03 million, accounting for 22.0% of the total population, while those aged 65 and above will be 22.02 million, making up 15.6% [2] - The demand for specialized and precise elderly finance services is increasing as the aging population grows [2] Group 2: Role of AI in Elderly Finance - AI can lower the cost and threshold of elderly finance services, allowing for a broader reach to small and medium enterprises and flexible employment groups [2][3] - AI enhances the transparency and adaptability of elderly finance products, fostering consumer trust and engagement [3] - AI can integrate multi-source data for risk assessment and demand forecasting, optimizing product design and service delivery [3][4] Group 3: Challenges in AI Application - The application of AI in elderly finance faces challenges such as insufficient depth of use, unclear boundaries for data privacy protection, scarcity of high-quality financial data, and inadequate computational support [4][5] - Data sharing issues exist, with public data often fragmented and non-public data circulation being inefficient [4][5] Group 4: Collaborative Efforts Required - The development of elderly finance is a long-term endeavor that requires collaboration among government, market, society, and families [6][7] - There is a need for top-level design and institutional supply to drive the cross-sector development of AI in elderly finance [7] - Expanding public data sharing and establishing a national public database are essential for maximizing the value of data in elderly finance [7][8] Group 5: Technological Integration and Service Innovation - Companies are encouraged to build unified platforms that integrate health records, care documentation, and financial assets to provide personalized services [8] - The use of IoT and smart devices in various scenarios, such as health management and safety monitoring, is being promoted to enhance service efficiency and quality of life for the elderly [8]

Core Insights - The aging population in China is accelerating, leading to a diversified demand for elderly care services, with a focus on the development of inclusive and intelligent elderly finance as a key area for improving the quality of life for seniors and supporting the pension system [1][3] - The integration of artificial intelligence (AI) technology into the entire elderly finance chain is seen as a solution to address high service thresholds, narrow coverage, and weak data support [1][3] Demographic Trends - By the end of 2024, the population aged 60 and above in China is projected to reach 31.03 million, accounting for 22.0% of the total population, while those aged 65 and above will number 22.02 million, making up 15.6% of the total [3] AI's Role in Elderly Finance - AI can lower the cost and threshold of elderly finance services, allowing for a broader reach beyond traditional high-net-worth individuals and large enterprises to include small and micro enterprises and flexible employment groups [3][4] - AI enhances the transparency and adaptability of elderly finance products, fostering consumer trust and engagement by providing personalized planning and asset allocation advice based on individual risk preferences and life scenarios [4] Challenges in AI Application - Despite the potential of AI in elderly finance, challenges remain, including limited application depth, unclear boundaries for data privacy protection, scarcity of high-quality financial data, and insufficient computational power [5][6] - Data sharing issues exist, with public data often fragmented across administrative divisions and non-public data facing circulation challenges [5][6] Collaborative Efforts Required - The development of elderly finance is a long-term endeavor that requires collaboration among government, market, society, and families to leverage AI tools effectively [7] - There is a need for top-level design and institutional support to ensure that AI-driven innovations in elderly finance benefit a wider population [7][8] Technological Integration - Companies are encouraged to build unified platforms that integrate health records, care documentation, consumption preferences, and financial assets to create comprehensive profiles for elderly individuals [8] - The use of IoT, smart devices, and advanced technologies in various scenarios such as health management and daily care is essential for enhancing service efficiency and improving the quality of life for seniors [8]

Core Viewpoint - The company, Zijin Bank, is focusing on enhancing its credit strategies and governance to support various sectors, particularly in response to national policies aimed at boosting consumption and supporting the real economy [1][2][3]. Group 1: Loan Strategies - In the first half of the year, the company's loan focus was on inclusive finance, technology loans, and green loans [3]. - The credit strategy for the second half will revolve around the "Five Major Articles" of finance, emphasizing support for technology finance, green finance, inclusive finance, elderly finance, and digital finance [1][3]. - Retail consumer loans will continue to be a key area for personal loan issuance, aligning with national policies to stimulate consumption [1][3]. Group 2: Operational Focus - The company aims to strengthen corporate governance and enhance management quality, integrating party leadership with corporate governance [2]. - There will be an emphasis on optimizing management mechanisms and improving risk control, enhancing internal control management, and promoting refined financial management [2]. - The company is committed to serving the real economy by focusing on financial support for key sectors and fostering the development potential of emerging fields [2].

Core Viewpoint - China Pacific Life Insurance Shandong Branch has established itself as a leading insurance institution in the rapidly growing Chinese insurance industry since its inception in December 2001, with a mission to provide comprehensive risk protection to households in Shandong [1] Group 1: Company Development and Strategy - Since its establishment, the company has expanded to include 16 central branches, 122 level-four institutions, and 28 level-five institutions [1] - The company aims to deepen transformation and enhance value creation capabilities by focusing on three core strategies: "Great Health and Elderly Care," internationalization, and "Artificial Intelligence+" by 2025 [4] - The company plans to integrate professional and digital capabilities in its personal pension business, offering a one-stop solution that combines insurance products with health management and elderly care services [4] Group 2: Talent Development and Training - The company emphasizes talent as its most valuable asset, using the Qilu Financial Planner Competition as a platform to enhance professional skills and problem-solving abilities among its financial planners [2] - The company incorporates the "Integrity and Commitment" culture into its talent development process, ensuring that integrity education is part of training for all employees, from new hires to senior management [3] - A system of integrity assessment is in place to evaluate employees' performance based on their adherence to commitments and timely task completion [3] Group 3: Social Responsibility and Community Engagement - The company actively participates in the "Hui Min Bao" project to alleviate healthcare burdens for the public, demonstrating its commitment to social responsibility despite the low profitability of such projects [6] - The "Hui Min Bao" initiative has achieved significant results, including broad coverage, reduced patient financial burdens, and increased public awareness of insurance [6] - Future plans include further optimization of the "Hui Min Bao" project, aligning with national social security systems, and participating in long-term care insurance pilots [6]

Group 1 - The core viewpoint emphasizes that the banking sector plays a crucial role in supporting the real economy through targeted credit allocation in areas such as technology innovation, green development, and inclusive finance [1][2]. - Listed banks have focused on supporting technology-driven enterprises by establishing dedicated approval channels and innovative financing models, addressing the financing challenges faced by these companies [1]. - Green finance has become a significant focus for banks, aligning with the "dual carbon" goals, thereby facilitating the green transformation of traditional industries and the growth of emerging green sectors [1]. Group 2 - Banks are actively supporting small and micro enterprises by reducing fees and leveraging technologies like big data and artificial intelligence to enhance product offerings and shorten loan approval times [2]. - The aging population in China has led banks to develop diverse pension financial products, contributing to a richer pension security system and stimulating the silver economy as a new growth driver [2]. - Digital transformation is a key strategy for banks, enhancing service efficiency and ensuring a balance between growth and risk prevention [2][3]. Group 3 - Risk management remains a priority for banks, with major listed banks showing a stable decline in non-performing loan ratios and maintaining high capital adequacy ratios [3]. - The ongoing financial reforms and innovations are expected to enable banks to play a more significant role in supporting national strategies and improving public welfare [3].

Core Viewpoint - The China Life Insurance Company showcased its commitment to providing comprehensive financial and insurance services at the 2025 China International Service Trade Fair, emphasizing its focus on customer needs and lifecycle protection [1][10]. Group 1: Technology and Digital Finance - China Life is enhancing its technology insurance system, participating in various insurance pilot programs, and launching investment funds aimed at technology enterprises [4]. - The company is advancing digital finance by leveraging AI, big data, and cloud computing to improve product innovation, service optimization, and operational efficiency [4]. Group 2: Green Finance - China Life is committed to green development, offering innovative insurance solutions such as environmental pollution liability insurance and biodiversity protection insurance [4]. - The company integrates green investments into its operations, focusing on supporting clean energy and low-carbon industries [4]. Group 3: Inclusive Finance - China Life is expanding insurance coverage for small and micro enterprises, rural areas, and specific demographic groups, providing over 35 trillion yuan in agricultural risk protection by the end of 2024 [6]. - The company has supported over 2,700 small enterprises through loan guarantee insurance and has launched an asset-backed plan for advanced manufacturing [6]. Group 4: Pension Finance - China Life is developing a unique pension finance ecosystem, managing over 60 billion yuan in basic pension insurance funds and serving 200,000 clients in personal pension business [6]. - The company has opened over 3 million personal pension accounts, contributing to the construction of the third pillar of pension support [6]. Group 5: Interactive Experience - The exhibition features interactive areas such as the "Guoshou Health Competition" game zone, allowing visitors to engage with health management concepts [6]. - Attendees can also experience the convenience of the life insurance app through a simulated operation area [6].