11 月 21 日，由中信银行主办、新华网承办的第三届"信·新"品牌高质量发展论坛于北京 举行。论坛上，中信银行重磅发布《中国居民养老财富管理发展报告（ 2025 ）》（以下 简称《报告》）。 据悉，这是中信银行连续第四年发布该系列《报告》，通过深入调研分析居民养老 财富管 理行为和非金融服务需求 ， 深入探讨金融产品创新与养老服务融合模式，同时吸收国际经 验，力求为我国养老金融发展提供观察视角和实践经验。 中国老龄科学研究中心党委书 记、主任高成运表示，《报告》提出的"中信方案"为行业提供了宝贵实践经验， 期待我国 养老金融理论研究与实践创新的同频共振，为探索中国特色积极应对人口老龄化道路、更好 满足老年人多层次高品质养老生活需求贡献更大力量。 长寿时代，需求觉醒， 从"被动思考"走向"主动规划" 此次《报告》由中信金控、中国老龄科学研究中心指导，中信银行携手集团子公司共同参与 调研、分析，通过线上平台和线下面访的方式，共获得 10137 个 有效样本， 涵盖全国 31 个省、自治区、直辖市 18 岁及以上人口。 幸福养老，供给破局， 从"产品扩容"迈向"融合发展" 近年来，低利率环境下金融资产增值放缓，叠 ...

四、11月28日20时至11月29日6时，广发银行储蓄卡和信用卡业务可能出现短暂服务中断或交易响应缓 慢情况。 请您提前妥善安排业务办理时间。由此给您带来的不便，敬请谅解，详情请咨询广发银行24小时客服热 线。 二、11月29日1时至3时，广发银行个人养老金账户信息查询、开户、缴存功能、直销保险业务暂停。 三、11月29日2时至4时50分，广发银行企业网银汇总回单下载、交易明细下载功能服务暂停。 2025年11月25日，广发银行发布公告称，为给您提供更加优质的金融服务，广发银行将于2025年11月28 日至11月29日进行系统维护，维护期间以下业务将受到影响： 一、11月28日22时至11月29日0时，广发银行手机银行APP和广发银行微信公众号的贷款申请、放款业 务暂停；华为、京东渠道借钱贷款业务暂停。 ...

与此同时，养老规划的重点正从"是否需要做"转向"如何去做"。《报告》指出，受访者不仅养 老规划意识总体较强，而且行动意愿普遍积极。 50岁以下的受访者中，85%每月均有养老规 划。 调研发现，受访者对养老金融的核心诉求，正在从"资金保值增值"延伸至"金融+健康、照护、 文化休闲"的全方位服务。调查数据显示，七成受访者希望金融机构不仅能管好钱，更能链接 优质的健康管理与医疗服务；近六成期待金融产品附加养老机构服务；还有近五成希望享受旅 居养老相关服务。 为响应市场需求，我国养老金融产品供给正在持续扩容升级。个人养老金账户已新增纳入国 债、特定养老储蓄、指数基金三类产品，进一步丰富了账户投资选择；商业养老金产品不断创 新，为临退休人群提供了更具针对性的配置品类。信托直付养老社区新模式也在积极探索，为 居民养老规划提供更丰富产品选择。 记者丨郭聪聪 编辑丨杨希 随着低利率环境下金融资产增值放缓，叠加人口长寿化带来的养老资金需求持续扩大，我国居 民养老投资正从传统单一储蓄模式向多元资产配置转型。 中信银行近日发布的《中国居民养老财富管理发展报告（2025）》（下称《报告》）显示，近 年来居民养老规划意识总体增强，而且 ...

作为中信银行"来信"系列的第三届活动，"未来来信"在延续品牌人文关怀的基础上，更加注重业务落地和用户参与，持续推动品牌从理念传播向业务落地升 级。 未来，中信银行乌鲁木齐分行表示将继续深耕全龄客群的金融需求，以政策为指引，深化"金融+场景"融合创新，推出更多贴合市民需求的金融产品与服 务。（欧阳良艳） 11月6日至10日，中信银行"未来来信"整合品牌营销活动乌鲁木齐站在乌鲁木齐市会展吾悦广场正式启幕。活动通过"场景联动+消费补贴+知识宣教+养老服 务"多维举措，将金融服务与民生需求融合，为乌鲁木齐消费市场注入了新的金融活力。 本次活动以"美好未来，提前养起来"为主题，围绕"健康、工作、娱乐、爱"四大未来生活场景，通过富有创意的艺术装置和场景设计，生动展示了长期财务 规划对人生各阶段的重要价值。活动现场设置了趣味金融知识小游戏，将复杂的金融知识融入互动性强、通俗易懂的游戏环节。大家在轻松愉快的氛围中， 掌握了识别金融风险、保护个人信息等知识。本次活动还特别设置"养老金融服务专区"，由中信银行乌鲁木齐分行专业理财经理为市民提供一对一咨询服 务，介绍个人养老金账户、养老理财等多元化养老金融产品。 ...

Core Viewpoint - The establishment of the third batch of "Jianyang An" elderly financial service outlets by China Construction Bank's Heilongjiang branch signifies the bank's commitment to expanding its specialized services for the elderly population, enhancing financial accessibility and tailored services for senior citizens [1][2] Group 1: Expansion of Services - The Heilongjiang branch has launched 7 new "Jianyang An" outlets, bringing the total to 13 across the province, indicating a continuous expansion of its elderly financial service network [1] - The new outlets will focus on four core areas: product rights, elderly services, pension education, and elderly micro-ecology, aiming to provide personalized and professional services tailored to the financial needs of senior citizens [1] Group 2: Financial Performance - As of September 2025, the bank has over 410,000 personal pension accounts, with the "Anxin" and "Jianzao" product series reaching a scale of 1.489 billion yuan [1] Group 3: Social Responsibility - The continuous expansion of these specialized outlets is part of the bank's efforts to fulfill its social responsibility and deepen cooperation with government sectors, as evidenced by previous joint activities with local government departments [2]

在金融知识宣教方面，光大银行北京分行以"阳光消保"为品牌，构建覆盖"新市民、青少年、老年人、 乡村居民"四大重点群体的"新小老乡"金融教育体系。通过定制化宣传内容，普及金融知识、提示金融 风险。每年3月15日，分行党委班子成员走进网点，开展"3·15行长当大堂经理"活动，用通俗语言帮助 老年客户理解理财产品，提醒防范金融风险。 2025年1月，光大银行北京分行辖内首家"养老金融服务中心"在阜成路支行正式授牌，标志着分行养老 金融服务进入"专业化、精细化"新阶段。阜成路支行、新源支行及花园路支行凭借卓越的综合服务能力 成功入选首批64家"养老金融服务中心"网点，成为分行养老金融服务的"示范窗口"。 为进一步提升老年客户服务体验，光大银行北京分行在全辖网点推行老年客户"7项专属服务"，包括专 属窗口、专属服务人员、专属座椅等，并在夯实"7项专属服务"的基础上，打造"N项特色服务"，如增 设"敬老驿站"、组建敬老服务团队、开展"老年课堂"普及活动等，致力于打造养老金融服务样板间。 针对老年客户使用智能设备的困难，光大银行北京分行优化线下服务的同时，着力打造线上适老服务渠 道。手机银行"简爱版"功能字体放大、去除冗余 ...

Core Viewpoint - The event organized by Dongxing Fund and other institutions aims to promote high-quality development of public funds in Beijing by enhancing financial literacy among students from non-financial universities, thereby preparing them for future careers in finance and wealth management [1][8]. Group 1: Event Overview - The event titled "New Era, New Fund, New Value" was held at Beijing Union University, focusing on the practical needs of students in applied universities [3]. - The initiative is part of the "Beijing Public Fund High-Quality Development Series Activities" guided by the Beijing Securities Regulatory Bureau [1][8]. Group 2: Educational Focus - The lectures addressed the importance of basic wealth management skills and career planning for students, emphasizing that financial knowledge should not be limited to the finance industry [3][4]. - Topics included economic cycles and pension planning, with a focus on asset allocation strategies during different economic phases [3][4]. Group 3: Practical Applications - The instructors provided insights on how to adjust asset proportions according to economic cycles and the benefits of early personal pension account establishment [4]. - The event aimed to bridge the gap between financial knowledge and practical career development, helping students understand the relevance of financial concepts in various industries [3][6]. Group 4: Career Guidance - The lectures also tackled the common dilemma of career choice among youth, encouraging students to build a long-term career vision based on industry trends and personal interests [6]. - The importance of internships and practical experience in enhancing employability was highlighted, along with the need for students to align their career choices with market demands [6][8]. Group 5: Future Initiatives - Public fund institutions plan to continue educational outreach efforts, expanding their reach to more universities and integrating financial education into the national education system [10]. - The goal is to cultivate a new generation of finance professionals equipped with rational thinking and professional perspectives [10].

Core Insights - The article discusses the high-quality development of public funds in Beijing, emphasizing the themes of a new era, new funds, and new value [1] Group 1 - The article highlights the formation of MACD golden cross signals, indicating a positive trend in certain stocks [1]

Group 1 - The core viewpoint of the articles highlights the proactive measures taken by Agricultural Bank of China Bozhou Branch to enhance financial literacy and risk prevention among key demographics, including the elderly, youth, and business owners [1][2] Group 2 - The bank has established a professional team to conduct targeted financial education activities in various locations such as universities, markets, and senior centers, focusing on real-life cases to educate students about campus loan traps and telecom fraud [1] - In Bozhou College, the bank organized a "First Financial Knowledge Class" for college students, aiming to instill rational consumption concepts [1] - The bank also provided specialized training for traditional Chinese medicine merchants in Bozhou to help them identify illegal fundraising and intermediaries, thereby improving the business environment [1] Group 3 - The bank has implemented service enhancements for the elderly, including the installation of caring service windows and barrier-free access at all branches, as well as providing reading glasses and emergency medical supplies [1] - During outreach activities, staff demonstrated the large-font version of mobile banking and introduced suitable deposit and insurance products for seniors, making financial services more accessible [1] Group 4 - The bank has leveraged its social security service advantages to offer convenient social security card processing and actively promote personal pension accounts [2] - Since September 2025, the bank has conducted 13 offline promotional events, benefiting over 10,000 citizens [2] - The bank aims to continue its commitment to "finance for the people" by providing higher quality services, a richer product range, and comprehensive risk control to create a harmonious financial environment [2]

Core Points - The personal pension system will be expanded nationwide starting December 15, 2024, from 36 pilot cities, allowing participants to enjoy tax benefits and choose compliant financial products [3] - Criminal activities have emerged, exploiting the new pension policy to commit fraud [4][5] Group 1: Fraudulent Activities - A criminal gang is impersonating a bank's pension office, claiming to offer high interest rates of 3%-5% on personal pension accounts, misleading individuals into opening multiple accounts and transferring funds [4] - An individual, misled by a so-called "exclusive financial manager," was tricked into depositing funds into a fraudulent pension account, believing he would receive additional benefits and tax credits [5] - Victims are informed that their newly opened accounts are frozen due to alleged illegal transactions, coercing them to transfer more money to "unfreeze" their accounts [8] Group 2: Understanding Personal Pensions - The personal pension system operates on an individual account basis, with a maximum annual contribution limit of 12,000 yuan, and funds can only be invested in approved financial products [10] - Once funds are deposited into the personal pension account, they cannot be withdrawn until certain conditions are met, such as reaching retirement age or other specified circumstances [10] - It is crucial for individuals to open personal pension accounts through legitimate channels to avoid falling victim to scams [11]