11月14日,山东大厦金色大厅内暖意融融,一场关于"长寿时代"的深度对话正在展开。在这场由招商银行 济南分行举办的养老节金秋论坛上,与会嘉宾抛出的问题引发全场热议:"当我国人均预期寿命已突破80 岁,你的钱,够花多久?" 立足客户所需:从三层不足到备老难题 王女士的追问,恰与《麦肯锡中国养老金调研报告》指出的居民养老"三层不足"高度契合——信心不 足、规划不足、储备不足。在长寿时代,养老早已不是退休前才需考虑的事,而是需提前20年甚至30年布 局的人生课题。这也正是招商银行济南分行着力解答的问题:如何依托财富管理优势,将养老从遥远概念 转化为可执行方案?又如何帮客户打理资产,填补养老准备的空白? 在年金领域,经过二十年的专业积累,招商银行在业内树立了"管好收益""控好风险""做好服务"的"三 好"受托人形象。在山东,招商银行济南分行为客户提供"受托+账管+托管"全流程线上化年金服务,降低成 发挥招行所能:济南分行的"养老节"创新实践 本,提升人才黏性。配套补充医疗、高端医疗险等综合服务,为引才留才提供有力支持。截至10月末,分行 管理各类年金资产计划近220亿元,服务企业年金账管个人客户数突破5万人。与此同时 ...

随着我国人口老龄化持续加深，积极应对人口老龄化上升为国家战略，养老金融迈入发展新阶段。《中 共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出，"大力发展科技金融、绿色金 融、普惠金融、养老金融、数字金融""加快发展多层次、多支柱养老保险体系"。 作为国内养老金融先行者，兴业银行秉持"以人民为中心"发展思想，立足自身优势，聚焦养老金金融、 养老服务金融、养老产业金融三大领域，持续创新丰富产品服务供给体系，更好满足不同人群多元化、 差异化养老金融需求，以金融力量赋能"夕阳"事业焕发"朝阳"力量。 聚焦养老金融"三大支柱" 构建"123+"养老财富管理体系 从单一功能到"一卡通"，一张小小的金融社保卡，不仅能看病买药，还能结算缴费，承载着大民生。 兴业银行以金融社保卡为支点，着力夯实养老金融"第一支柱"。数据显示，截至今年9月末，兴业银行 累计发行社保卡超185万张。其中，福建省内社保便民网点数达173个，覆盖率86%，营业网点、自助机 具均可支持社保代发申领、就业登记等多项社保服务办理。 据悉，兴业银行还深度参与福建省人社厅等部委关于"新生儿出生一件事"政务服务项目，目前福建省辖 内分行均支持新生儿社 ...

Core Viewpoint - Postal Savings Bank of China Beijing Branch integrates its development into the overall economic and social development of the capital, focusing on providing modern financial services that meet diverse citizen needs and contribute to high-quality economic growth [1][18]. Group 1: Financial Service Efficiency - The bank enhances financial service efficiency through technology empowerment and process innovation, ensuring that financial resources reach the demand side more accurately and quickly [4][5]. - A closed-loop model of "online application + on-site service" has been introduced for small loans, allowing customers to apply via mobile banking and receive tailored solutions from dedicated loan officers [4][5]. - The bank collaborates with government departments and industry associations to address financing challenges faced by small and micro enterprises, optimizing product services and improving efficiency [4][5]. Group 2: Elderly Financial Services - The bank focuses on elderly financial services, addressing the needs of an aging population by providing stable asset allocation solutions and enhancing service quality [6][7]. - A diverse range of pension financial products is offered, including wealth management and insurance products, to meet the core demands of elderly clients for stability and safety [7]. - The bank has established an "age-friendly" service system, ensuring that elderly clients can access financial services without barriers, including physical accommodations and user-friendly technology [8][9]. Group 3: Community Engagement and Support - The bank has initiated the "Golden Sunshine Station" project to create a community space for elderly clients, offering health lectures and social activities to foster community engagement [9][10]. - The "Golden Sunshine Club" organizes events to promote health and social interaction among elderly clients, enhancing their quality of life [10]. - The bank prioritizes the financial safety of elderly clients by providing education on fraud prevention and ensuring secure banking practices [10][13]. Group 4: Social Responsibility and Emergency Response - In response to extreme weather events, the bank has implemented measures to support affected businesses and residents, including loan extensions and simplified approval processes [15][16]. - The bank has launched initiatives to assist residents in rebuilding after disasters, offering favorable loan terms and material subsidies to ease financial burdens [17]. - The bank's commitment to social responsibility is evident in its proactive approach to community support during crises, reinforcing its role as a reliable financial partner [15][16].

Core Insights - The 19th "Guoshou 616" Customer Festival, themed "Intelligent Life Protection," was officially launched by China Life Group's member unit, Guangfa Bank, focusing on comprehensive financial services that integrate consumption, retirement, wealth, health, and technology [1] Group 1: Consumer Promotion Initiatives - Guangfa Bank has introduced various promotional activities targeting large consumer goods such as automobiles and housing, as well as green smart home appliances and digital devices, to stimulate market consumption and optimize consumption structure [2] - The bank launched the "Guangfa Car e-loan" product, offering a minimum zero down payment car loan and a flexible repayment option called "elastic tail payment" to ease monthly payment burdens for consumers [2] - During the customer festival, Guangfa Bank is providing personal credit consumer loans up to 1 million yuan with limited-time interest rate coupons to enhance its financial product offerings [2] Group 2: Health and Retirement Financial Services - Guangfa Bank is focusing on retirement and wealth management by offering a comprehensive personal pension service, including a personal pension account with a maximum benefit of 288 yuan [4] - The bank has introduced the "Retirement Preferred" product line and various discounts such as "Senior Dining Hall" to cater to the financial wellness needs of elderly clients [4] - In response to the growing health awareness, Guangfa Bank is promoting a "Vitality Unleashed" online health running event through its mobile banking app, rewarding participants with points and wellness vouchers [4] Group 3: Technological Advancements in Financial Services - Guangfa Bank has upgraded its mobile banking AI assistant "Xiao Zhi" using large model technology, introducing features like intelligent asset allocation, voice transfer, and account inquiries for enhanced customer interaction [5] - The bank aims to provide more personalized services by generating tailored asset allocation plans based on customers' financial situations and investment preferences [5] - Guangfa Bank is committed to enhancing its digital financial solutions through resource pooling and innovative technology to improve service efficiency and customer experience [5]

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