Group 1 - The current challenges in the pension finance sector necessitate service and institutional innovations to build a new industry ecosystem [2] - In a 2024 survey, 14.25% of respondents reported having been deceived in financial investments, indicating a need for improved product supply, investment safety, and trust in the pension finance sector [2] - There is a significant gap in financial services for rural residents and low-to-middle income groups, with a need for deeper research on converting agricultural income into pension security [2] Group 2 - The pension industry is characterized by low returns, long investment cycles, and diverse products, requiring "patient capital" to support its long-term development [3] - A comprehensive solution covering "pension + health expenditure + living expenses + estate planning" should be provided to meet the diverse needs of the elderly [3] - Establishing a broader data-sharing mechanism for pension and health information is essential for cross-institutional collaborative services, alongside exploring a governance model that combines algorithmic suggestions, human oversight, and user feedback [3]