中国路径:推动企业年金、职业年金从"自愿"向"准强制"转型，探讨对未建立年金的企业征收额外税费。简化管理流程，降低中小企业参与门槛。结合产 业政策，对高新技术、绿色产业企业给予年金补贴。 国际经验:美国IRA账户允许个人自主投资，税收递延政策吸引中高收入群体;新加坡中央公积金(CPF)提供多元化投资选项，满足个性化需求。 国际经验:美国OASDI计划通过指数化月平均工资计发养老金，缩小收入差距;德国法定养老保险采用"现收现付"与"个人账户"结合模式，增强抗风险能 力。 中国实践:推进基本养老金全国统筹，以"一个蓄水池"提升资金的互济共济功能，解决区域间基金不平衡问题。探索"基础养老金+个人账户"双轨制，提高 低收入群体补贴比例。试点长期护理保险(长护险)，覆盖4500万失能老人，2024年累计支出超850亿元。 国际经验:澳大利亚超级年金计划通过立法强制雇主缴费，覆盖率超90%;加拿大注册养老金计划(RPP)提供税收优惠，激励企业参与。 中国创新:扩大个人养老金试点范围，提高年度缴费上限至3万元，增加税收优惠力度。2025年起，个人养老金制度在全国推开，EET (缴费投资免税、领 取征税)模式激励下，首月开户 ...

央视网消息：11月21日，财政部、中国人民银行发布通知，为支持多层次多支柱养老保险体系发展，明确储蓄国债（电子式）纳入个人养 老金产品范围有关事宜。 财政部、中国人民银行发布《关于储蓄国债（电子式）纳入个人养老金产品范围有关事宜的通知》，会对个人投资者有哪些影响？再来听 听专家怎么说。 招联首席研究员董希淼称："对投资者而言，储蓄国债安全性高、收益稳定，受到稳健型投资者的欢迎。对养老保险体系而言，此举丰富 个人养老金账户的产品供给，将更好地满足不同风险偏好人群的需求，有助于提升个人养老金制度的覆盖面和吸引力，从而促进第三支柱养老 保险体系发展。" 此外，专家表示，对国债市场而言，个人养老金是典型的长期资金，将个人养老金引入国债市场，将为国债市场带来重要的长期资金，有 力推动国债市场发展。 符合金融监管部门规定开办个人养老金业务的储蓄国债承销团成员，自2026年6月起，开办个人养老金储蓄国债（电子式）业务，即为在 本机构开立个人养老金资金账户的养老金投资者，提供购买储蓄国债（电子式）的相关服务。 专家解读储蓄国债（电子式）纳入个人养老金产品范围：提升个人养老金制度覆盖面和吸引力 ...

此外，专家表示，对国债市场而言，个人养老金是典型的长期资金，将个人养老金引入国债市场，将为 国债市场带来重要的长期资金，有力推动国债市场发展。（央视新闻） 招联首席研究员董希淼表示，将储蓄国债（电子式）纳入个人养老金产品范围，将进一步丰富个人养老 金账户可投资产品，具有多方面的积极意义。对投资者而言，储蓄国债安全性高、收益稳定，受到稳健 型投资者的欢迎。把它纳入个人养老金产品池，将让投资者有了更多选择，增强投资者进行个人养老金 投资的积极性。对养老保险体系而言，此举丰富个人养老金账户的产品供给，将更好地满足不同风险偏 好人群的需求，有助于提升个人养老金制度的覆盖面和吸引力，从而促进第三支柱养老保险体系发展。 财政部、中国人民银行发布《关于储蓄国债（电子式）纳入个人养老金产品范围有关事宜的通知》，会 对个人投资者有哪些影响？ 专家介绍，目前，个人养老金账户可投资的产品包括基金、理财、储蓄、保险、国债等五大类。但投资 者可以选择的投资产品总体偏少，影响投资者投资积极性，一定程度上存在"开户热，投资冷"现象。 ...

【导读】事关个人养老金，财政部宣布：储蓄国债（电子式）纳入个人养老金产品范围 中国基金报记者 张舟 今天是周五了，刚刚，重磅消息来了！ 储蓄国债（电子式）纳入个人养老金产品范围！ 11 月 21 日，财政部对外发布通知，为支持多层次多支柱养老保险体系发展，将储蓄国债 （电子式）纳入个人养老金产品范围。 通知明确，自 2026 年 6 月起，个人养老金储蓄国债（电子式）业务开办机构应当为在本机 构开立个人养老金资金账户的养老金投资者，提供购买储蓄国债（电子式）的相关服务。 所称个人养老金储蓄国债（电子式）业务开办机构，是指符合金融监管部门规定开办个人养 老金业务的储蓄国债承销团成员；所称养老金投资者，是指通过个人养老金资金账户购买储 蓄国债（电子式）的个人养老金参加人。 以下为核心内容： 1. 开办机构需为养老金投资者开立个人养老金专用国债账户，并与养老金资金账户绑定。 2. 开办机构向养老金投资者销售储蓄国债。在发行额度管理方面，各开办机构养老金专属额 度分配比例将按季度调整，首次分配比例将根据各开办机构已开立所有养老金资金账户中未 投资金额的比重确定。 3. 后续，每季度的专属额度将根据各开办机构上一季度向 ...

11月15日，第五届"自在卡杯"广场舞大赛全国总决赛在广州市文化馆落下帷幕，从松花江到珠江，从天 山脚下到南粤大地，来自天南地北的中老年舞者们齐聚羊城，用灵动舞步勾勒银发活力，共同献出一场 曼妙精彩的视听盛宴。 用舞蹈书写"情暖夕阳"佳话 多元举措护航"老有颐养" "广发银行坚决贯彻党中央决策部署，落实中国人寿集团'333战略'，将养老金融列为全行重点工 程。"该行相关负责人表示，依托中国人寿集团综合金融优势，广发银行正着力打造"养老金金融、养老 服务金融、养老生态金融、养老财富管理、养老产业金融"五位一体协同发展格局，目前已取得多项亮 眼成效。 从2016年开始，广发银行将"自在卡杯"广场舞大赛打造为具有全国影响力的群众文体盛会。今年大赛由 广发银行携手中国人寿各成员单位共同办赛，全国共计近1000支队伍、15000名舞者参与，自6月启动以 来，先后历经城市初赛、半决赛，最终18支舞队、超300名选手脱颖而出，站上总决赛的舞台。 在养老金融实践中，广发银行持续探索"金融+养老"深度融合路径：在粤港澳大湾区推出社保一卡通服 务，便利港澳居民北上养老与内地居民跨境生活；"第一支柱"基本养老保险与"第三支柱"个人 ...

Group 1 - The article promotes a wealth management program offering various benefits for customers, including tax deductions and savings through personal pension contributions [1] - The program includes a winter promotion for wealth members, providing up to 454 yuan in rewards [2] - Customers with an average financial asset amount of at least 50,000 yuan in October can receive a WeChat discount of up to 60 yuan during the promotional period [3] Group 2 - Customers with an average financial asset amount of at least 9,000 yuan in October are eligible to enter a draw for a WeChat discount of up to 188 yuan [4] - Wealth members who upgrade to a higher wealth level for the first time this year can receive corresponding upgrade rewards, with a maximum value of 206 yuan for multiple level upgrades [5]

Core Insights - The insurance industry has provided significant support to the national economy during the "14th Five-Year Plan" period, with total compensation reaching 9 trillion yuan and agricultural insurance covering 800 million farming households, laying a solid foundation for the upcoming "15th Five-Year Plan" [1][9] - The "15th Five-Year Plan" emphasizes the role of the insurance industry in enhancing financial strength, supporting rural revitalization, and improving social welfare through various insurance products [1][2] Group 1: Financial Strength and Economic Support - The "15th Five-Year Plan" suggests accelerating the construction of a financial powerhouse, focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance to strengthen the real economy [2][3] - The insurance sector has effectively gathered resources towards new productive forces, with technology insurance providing over 10 trillion yuan in risk coverage and green insurance projected to exceed 330 trillion yuan in 2024 [2][3] Group 2: Risk Management and Social Stability - The insurance industry is expected to enhance its risk management capabilities, developing a comprehensive risk management system that includes pre-warning, response, and post-event support [3][4] - The focus on social governance through insurance products such as inclusive insurance, pension insurance, and health insurance aims to ensure that all residents have access to suitable and affordable insurance coverage [3][6] Group 3: Enhancing Welfare and Healthcare Systems - The "15th Five-Year Plan" highlights the need for a multi-tiered pension and healthcare system, with commercial insurance playing a crucial role in providing supplementary coverage [6][7] - The commercial health insurance sector has paid out 1.8 trillion yuan in economic compensation, supporting a multi-tiered healthcare system and covering 1.22 billion urban and rural residents through major illness insurance [7][8] Group 4: Agricultural Insurance and Rural Development - Agricultural insurance has provided coverage for 800 million farming households, with significant compensation for natural disasters, indicating a robust safety net for rural areas [9][10] - The insurance industry is encouraged to develop tailored products for rural infrastructure projects and provide inclusive pension and health insurance for farmers, addressing their specific needs [10]

Core Insights - The current deposit interest rates in China are at historically low levels, with most banks offering rates below 2% [3][6] - Major banks are concerned about the potential for large-scale withdrawals by depositors, leading to slightly higher rates than the benchmark [4][5] - A potential new round of interest rate cuts is anticipated, which could further lower deposit rates and mortgage rates [6][7] Deposit Rates Overview - The benchmark deposit rates for various terms are as follows: - 1-year: 0.95% - 2-year: 1.05% - 3-year: 1.25% - 5-year: 1.30% [4][7] - Some banks, such as Agricultural Bank and Industrial and Commercial Bank, offer slightly higher rates, with 2-year and 3-year rates reaching up to 1.60% [5][7] Future Projections - If the Federal Reserve continues to cut rates, it is expected that domestic deposit rates could drop to as low as 0.75% to 0.85% for 1-year deposits and 1% to 1.1% for 3-year deposits [6][7] - The anticipated decline in mortgage rates could see them fall below 3% in various cities [6] Market Sentiment - There is a general sentiment among banks that low deposit rates are beneficial for their profitability, as they reduce the interest expenses on deposits [3][4] - However, the current environment has led to a reluctance among banks to aggressively pursue new deposits, as evidenced by their marketing strategies [3][4]

Core Viewpoint - The "Future Letter" interactive experience exhibition organized by CITIC Bank in Zhengzhou focuses on boosting consumption and retirement finance, aiming to engage the public in financial services through innovative and interactive activities [1][11]. Group 1: Event Overview - The event took place on November 1 at Zhengdong Vientiane City in Zhengzhou, featuring four creative interactive game zones: "Fun Future Sports Zone," "Work Awaits You," "Renewing Ideal Future," and "Letter Movement Moment" [1][11]. - The exhibition is part of a nationwide tour planned in 25 cities, highlighting key topics such as consumption stimulation and retirement finance [1]. Group 2: Financial Services Focus - CITIC Bank's Zhengzhou branch created a financial ecosystem around four major scenarios: health, work, entertainment, and love, providing services like retirement planning tailored to local consumption characteristics [1][11]. - The event aimed to transform the topic of retirement into an engaging experience for all age groups, promoting a comprehensive wealth management concept from preparation to enjoyment of retirement [11]. Group 3: Innovative Approach - The event represents a practical application of scenario-based financial innovation, breaking traditional service dependencies by making retirement finance and wealth planning tangible and interactive [12]. - CITIC Bank's approach integrates emotional connections with financial services, reinforcing the brand's message of "making wealth feel warm" through innovative formats [12].

Market Overview - The main theme for A-shares in November is "forward speculation," following a strong performance in October where companies reported robust earnings [3] - Historically, from November, the market tends to focus on low-priced, undervalued sectors with expected profit recovery [4] Sector Performance - High-dividend assets continue to strengthen, with the banking sector leading the gains. Notably, Xiamen Bank rose over 6% [4][7] - As of the morning close, the Shanghai Composite Index fell by 0.19%, the Shenzhen Component Index by 1.27%, and the ChiNext Index by 1.51% [5][6] Banking Sector Insights - The banking sector saw significant interest from insurance capital, with major banks like Industrial and Commercial Bank of China and Agricultural Bank of China attracting new shareholders [9][10] - Insurance capital is expected to be a crucial incremental allocation for the banking sector, favoring banks with stable earnings and high dividend returns [11] Consumer Sector Developments - Consumer stocks rebounded, particularly in the ice and snow industry, duty-free shops, and tourism hotels [12][13] - Recent government policies aim to enhance the duty-free shopping experience, which is expected to boost the market size of city duty-free shops [15] Investment Trends - Insurance capital has shown a preference for high dividend and high return on equity (ROE) assets, with a total of 34 instances of capital increases in the banking sector this year [11] - The recent surge in interest for outdoor skiing facilities indicates a growing trend in winter tourism, with search volumes increasing significantly [15]