新华财经北京12月9日电（记者吴丛司）养老金融作为金融"五篇大文章"之一，正迎来前所未有的发展机遇。面对2035年我国60岁以上人口将突破4亿、银 发经济规模有望达30万亿元的未来，银行业如何把握个人养老金全面实施、养老理财试点扩容等政策红利，在养老金金融、养老服务金融、养老产业金融 三大领域精准布局，成为行业关注焦点。 近日，光大银行副行长齐晔接受记者专访时指出，养老金融不仅关乎银行业务增长，更承载着实现老有所养的社会期望。随着老龄化进程持续加速，银发 经济需求将变得更加迫切和刚性，打通养老资金长期保值增值与养老金融产品服务有效供给的闭环，已成为行业发展的关键课题。 三大领域重构养老金融蓝图 今年以来，养老金融政策密集落地，为行业发展注入新动能。国家金融监督管理总局10月30日发布《关于促进养老理财业务持续健康发展的通知》，不仅 打破养老理财产品试点地域限制，更在机构准入、规模上限、产品设计等方面升级；国家金融监督管理总局3月发布《银行业保险业养老金融高质量发展 实施方案》，对银行保险机构参与养老体系建设提出明确要求。 国家金融监管总局局长李云泽在2025陆家嘴论坛上曾表示，银发经济方兴未艾，养老金融大有可 ...

Core Viewpoint - The personal pension system is expected to be implemented soon, marking the beginning of a new era characterized by government support, voluntary participation, and market-oriented operations, which is significant for enhancing the multi-tiered pension insurance system in China [1] Group 1: Personal Pension System Overview - The personal pension, also known as the third pillar of pension insurance, will complement the basic pension insurance (first pillar) and enterprise (occupational) annuities (second pillar) to form a comprehensive pension insurance system in China [1] - The upcoming personal pension system will expand the range of financial institutions and products involved, promoting competition in the personal pension account market and enriching product offerings, thereby increasing public choice and improving market efficiency [1] Group 2: Participation and Account Structure - Workers participating in urban employee basic pension insurance or rural resident basic pension insurance are eligible to join the personal pension system, which operates on a fully accumulated individual account basis [1] - Participants will establish personal pension accounts through an information management service platform, with the accounts being the foundation for enjoying tax benefits [1] Group 3: Contribution Limits and Investment Options - The annual contribution limit for personal pensions is set at 12,000 yuan, with potential adjustments based on economic and social development levels [2] - Funds in personal pension accounts can be invested in various financial products, including bank wealth management, savings deposits, commercial pension insurance, and public funds, focusing on long-term value preservation [2] Group 4: Tax Incentives and Implementation - To encourage participation, there may be tax incentives developed, building on previous pilot programs for tax-deferred commercial pension insurance [3] - The implementation of the personal pension system may occur in phases, starting with selected cities for a trial period before broader rollout [4] - Experts suggest establishing a transparent, efficient, and collaborative regulatory framework to enhance oversight and protect participant rights [4]