Core Viewpoint - The forum hosted by Postal Savings Bank focuses on the development of pension finance to address the aging population and enhance the quality of pension services in China [1] Group 1: Pension Financial Services - Postal Savings Bank has served over 130 million urban and rural basic pension insurance customers and has issued a significant number of financial social security cards [2] - The bank has established a comprehensive personal pension service system covering the entire process from account opening to withdrawal, with over 10 million personal pension accounts opened [3] - The bank's innovative features such as retirement benefit calculators and automatic contributions are aimed at improving personal pension planning [3] Group 2: Elderly Customer Product Rights - The bank launched the "Vitality Life Card" series in collaboration with China UnionPay, offering 12 types of pension rights across six categories [4] - The bank has organized activities like the "Postal Warm Double Ninth Festival" to enhance the financial and social engagement of elderly customers [4] Group 3: Elderly Service Financial Enhancement - Postal Savings Bank is improving services for elderly clients through both offline and online channels, including the establishment of over 3,000 health management stations [5] - The bank is creating a comprehensive ecosystem for elderly services, integrating financial and cultural offerings [5][6] Group 4: Strengthening Pension Industry Finance - The bank has developed a "523" service system targeting five core areas and implementing a dual-drive strategy to provide tailored financial solutions for the pension industry [7] - The bank has successfully launched significant projects, such as a 4.972 billion yuan health and wellness syndicate project in Wenzhou, demonstrating its commitment to supporting local pension service systems [7] - The bank is continuously enhancing its support mechanisms for the pension industry, including optimizing credit policies and developing specialized financial products [7] Group 5: Future Directions - Postal Savings Bank has introduced the "U Enjoy Future" pension finance brand and released a report on national pension demand trends, reinforcing its commitment to enhancing pension financial services [8] - The bank aims to protect pension assets, warm the elderly customer base, and deepen its involvement in the pension industry [8]

Core Viewpoint - The article emphasizes the importance of developing a multi-layered and multi-pillar pension financial system in response to China's aging population, highlighting the role of Postal Savings Bank in enhancing pension wealth management and financial services [1][11]. Group 1: Pension Financial Services - Postal Savings Bank has issued over 130 million financial social security cards and opened over 10 million personal pension accounts, actively supporting the national multi-layered pension insurance system [3]. - The bank has enhanced its "financial + social security" one-stop service capabilities, allowing for features such as card replacement and electronic social security card issuance [3]. - The bank offers a comprehensive lifecycle management service for personal pension accounts, covering all channels and products, including deposits, funds, insurance, and wealth management [4]. Group 2: Elderly Customer Services - Postal Savings Bank has improved its elderly-friendly financial services, including the development of user-friendly mobile banking features and the establishment of over 3,000 health management stations for elderly clients [7]. - The bank has launched various community initiatives, such as the "Postal Love Silver Home" project, to provide a supportive environment for the elderly [7]. - The bank's "U Enjoy Future" pension financial brand was officially launched, aiming to enhance the quality of life for elderly customers through tailored financial solutions [10][11]. Group 3: Pension Industry Financing - Postal Savings Bank has created a "523" service system focusing on five core areas and implementing a dual-drive strategy to provide customized financial solutions for the pension industry [9]. - The bank has successfully led a 4.972 billion yuan health and wellness financing project in Wenzhou, showcasing its innovative financial service model [9]. - The bank is continuously improving its support systems, including optimizing credit policies and developing specialized products for pension fund management [10].

Core Viewpoint - The article discusses the "Future of Elderly Finance" forum hosted by Postal Savings Bank, emphasizing the importance of developing a multi-tiered pension insurance system to address the challenges of an aging population and enhance the quality of elderly financial services [1] Group 1: Pension Financial Services - Postal Savings Bank actively supports the national multi-tiered pension insurance system, having issued over 130 million financial social security cards and opened over 10 million personal pension accounts [2] - The bank enhances its "financial + social security" one-stop service capabilities, offering features like card replacement and cross-province services [2] - Innovative applications of social security cards are being explored, such as facilitating efficient distribution of elderly meal subsidies and providing convenient payment scenarios for senior customers [2] Group 2: Personal Pension Management - The bank provides comprehensive lifecycle management for personal pension accounts, covering all channels and products, including deposits, funds, insurance, and wealth management [3] - Unique services like retirement benefit calculators and automatic contributions are introduced to help customers better manage their pension savings [3] - The family pension account feature allows customers to view their family's pension asset distribution, aiding in family pension planning [3] Group 3: Elderly Customer Product Rights - Postal Savings Bank launched the "Warm Elderly Season" initiative, creating a "financial + elderly care" ecosystem and introducing the "Vitality Life Card" series, which includes various health and wellness benefits [4] - Collaborations with insurance and wealth management institutions aim to enhance the quality and accessibility of pension products for elderly customers [4] Group 4: Elderly Financial Services Enhancement - The bank is improving its services for elderly customers by enhancing the accessibility of physical branches and self-service devices, as well as providing a user-friendly mobile banking experience [5] - Initiatives like the "Postal Love Health Station" and "Postal Love Silver Home" are established to offer convenient health management and community support for the elderly [5] Group 5: Strengthening Elderly Industry Finance - Postal Savings Bank has developed a "523" service system focusing on five core areas and implementing a dual-drive strategy to provide tailored financial solutions for the elderly industry [6] - The bank has successfully facilitated significant projects, such as a 4.972 billion yuan health care syndicate project in Wenzhou, showcasing its innovative financial service models [6] - Collaborations with local governments and enterprises have led to the establishment of quality projects that enhance the multi-tiered elderly service system [6] Group 6: Future Directions - The bank is committed to enhancing service quality and activating development momentum by optimizing credit policies and creating collaborative mechanisms for the elderly industry [7] - The launch of the "U Enjoy Future" pension finance brand and the release of a national pension demand trend report signify the bank's dedication to supporting the elderly economy [7] - Future efforts will focus on integrating elderly finance into the bank's strategic development, ensuring the protection of pension assets and the well-being of elderly customers [7]

21世纪经济报道记者 唐婧 北京报道 为了应对渐行渐近的老龄化挑战、做好"养老金融"大文章，2024年下半年至2025年上半年，金融监管部 门集中出台了多项养老金融政策，从养老金融的顶层设计和统计制度入手，在养老金金融、养老产业金 融和养老服务金融等多个领域明确了未来我国养老金融的发展方向。 2024年12月，中国人民银行等九部门联合印发了《关于金融支持中国式养老事业 服务银发经济高质量 发展的指导意见》，要求坚持分类施策，对于不同年龄阶段、不同老年人群，丰富创新针对性金融产 品，提供精准高效的养老金融服务。2025年3月，国家金融监督管理总局印发了《银行业保险业养老金 融高质量发展实施方案》，明确提出要建立多元主体参与、多类产品供给的商业养老金融体系，有效满 足多样化需求。 政策的顺利落地离不开对市场的精准洞察。为此，兴业银行于近日发布了《养老金融发展白皮书 （2025）》（下称《白皮书》），通过剖析居民养老需求、梳理境外养老金融成熟经验、提炼我国养老 金融创新实践成果、研判行业未来发展趋势，为我国养老金融业务发展提供可借鉴的实践范式，助力行 业将政策要求转化为服务效能。 居民养老需求有共识也有分歧 《白皮 ...

然而，真正的差异化优势，在于其对"智慧养老"的深度探索。该行创新推出并持续优化"粤享颐年"智能 养老规划工具，深度融合了广东省及大湾区生活成本、社保政策等地域数据，为客户提供从目标设定、 缺口测算到全生命周期资产配置的"一站式"个性化解决方案，大幅降低养老规划门槛。 工行个人养老金产品品类齐全，涵盖储蓄、理财、基金、保险等超200款产品。该行可结合"粤享颐 年"分析报告，为不同风险偏好、年龄阶段的客户提供精准配置建议，助力养老资产在长期稳健中追求 合理增长。 2025年12月15日，个人养老金制度全国实施满一周年，自试点启动也已走过三载春秋。 自个人养老金制度试点启动之初，中国工商银行广东省分行便将个人养老金业务定位为服务国家战略、 践行金融人民性的"一号工程"，紧密依托总行"全流程、全渠道、全面投"服务生态，扎实推进系统、功 能与服务的本地化创新。个人养老金制度全国实施后，该行凭借前期试点经验，确保惠民政策在广东平 稳、高效、稳健落地。 在该行的推动助力下，越来越多南粤居民树立起了"提早规划、长期储备"养老理念。截至目前，已有接 近400万广东客户选择在工行开立个人养老金账户，稳居区域市场前列。尤引人注目的 ...

Core Viewpoint - The forum hosted by Postal Savings Bank aims to explore new ideas for activating the silver economy and promoting high-quality development in pension finance, aligning with national strategies to address aging population challenges [2]. Group 1: Pension Financial Services - Postal Savings Bank actively supports the construction of a multi-tiered pension insurance system, having issued over 130 million financial social security cards and opened over 10 million personal pension accounts [3]. - The bank enhances its "financial + social security" one-stop service capabilities, offering features like card replacement and cross-province services [3]. - It provides comprehensive personal pension account management, covering all channels and products, including deposits, funds, insurance, and wealth management [4]. Group 2: Silver Economy Product Rights - The bank launched the "Warm Post Autumn Festival" event, creating a "financial + pension" ecosystem and introducing the "Vitality Life Card" series, which includes 12 pension rights across six categories [5]. - Collaborations with various institutions aim to enhance the quality and convenience of services for the elderly, focusing on health management and financial products [5]. Group 3: Elderly Financial Services - Postal Savings Bank improves its elderly-friendly financial services by enhancing the accessibility of physical branches and self-service devices, as well as providing a large-font mobile banking version [6]. - The bank has established over 3,000 health management stations nationwide, offering convenient services for elderly clients [6]. Group 4: Pension Industry Financial Solutions - The bank has developed a "523" service system targeting five core areas, implementing a dual-drive strategy to provide tailored financial solutions for the pension industry [7]. - It has successfully launched significant projects, such as a 4.972 billion yuan health care syndicate project in Wenzhou, demonstrating its innovative financial service capabilities [7]. Group 5: Continuous Improvement and Future Plans - The bank is enhancing its support systems by optimizing credit policies and developing specialized products for pension fund management [8]. - The "U Enjoy Future" pension financial brand was launched, along with a report on national pension demand trends, reinforcing the bank's commitment to supporting the silver economy [8].

随着我国人口老龄化进程加快，如何让亿万老年人实现"老有所养"已成为社会关切的问题。近期，《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》中明确提出，"积极应对人口老龄化，健全养老事业和 产业协同发展政策机制""优化基本养老服务供给"。这一系列顶层设计不仅为老龄事业发展指明方向，更对金融 机构深耕养老金融领域、履行社会责任提出了更高要求。作为金融"五篇大文章"之一，养老金融已成为增强国 民养老保障能力的战略选择和关键支撑。 近年来，中国工商银行北京市分行（以下简称"工行北分"）积极顺应人口老龄化趋势与国家战略导向，以体系 化建设筑牢发展根基，以多层次服务回应民生需求，以创新融合驱动业务升级，全力构建覆盖养老金金融、养 老服务金融、养老产业金融的养老金融生态体系。 构建协同高效组织体系 开拓养老金融发展新局 当前，"银发经济"正以蓬勃之势崛起，逐渐成为我国经济发展的新亮点。作为银发经济的重要组成部分，养老 金融正发挥着越来越重要的支撑作用。对于金融机构而言，想要更好地发展养老金融，健全的组织保障是前 提。 为推动养老金融业务高质量发展、强化服务保障能力，工行北分构建起了独具特色的"3+4+3"养老金 ...

Core Viewpoint - The article discusses the personal pension system in China, emphasizing the benefits of tax deductions for high-income earners and the investment options available within personal pension accounts, particularly focusing on index funds [3][6][63]. Group 1: Personal Pension Account Details - The deadline for transferring funds into personal pension accounts is December 31, 2025, with an annual contribution limit of 12,000 yuan [3][4]. - Individuals with higher incomes benefit more from the tax deferral advantages of personal pension accounts, making it more attractive for them [7][11]. - A table is provided to help individuals assess their suitability for opening a personal pension account based on their monthly pre-tax income [8][9]. Group 2: Investment Options in Personal Pension Accounts - Personal pension accounts can invest in various products, including commercial pension insurance, savings deposits, wealth management, public funds, and government bonds [15]. - As of September 30, 2025, there are 91 index funds included in the personal pension fund directory, covering 16 mainstream stock indices [16][18]. - The article highlights two classic investment strategies for index funds: combining the CSI 300 and the CSI 500, and pairing leading strategy indices with dividend strategy indices [22][25]. Group 3: Investment Strategy and Performance - The article suggests diversifying investments across different styles, such as growth and value, to balance risks and returns [34][37]. - It notes that both growth and value investment styles have shown similar long-term performance, despite short-term fluctuations [34][40]. - The article provides insights into how to determine investment amounts and strategies for personal pension accounts, including the importance of market conditions [42][44]. Group 4: Common Questions and Clarifications - The article addresses common questions regarding the operation of personal pension accounts, including the ability to redeem funds and the conditions under which funds can be accessed [58][61]. - It emphasizes that personal pension accounts are designed for long-term investment, ideally suited for individuals with a risk tolerance for market fluctuations [52][63].

工商银行：截至今年11月末，已有超3500万客户在工商银行开立个人养老金账户，其中30-40岁年龄段 客户超三成，且呈现逐年攀升的态势，越来越多的年轻人愿意为养老储备存下"第一笔金"；超过80%的 缴存资金进行了投资理财。 ...

针对老年客户占比较高的情况,建行德州电厂支行从细节入手推进服务设施适老化改造:网点设置大字号 叫号屏,配备老花镜、急救药品等便民物资,无障碍通道畅通便捷,各类标识清晰醒目,为老年人营造安全、 舒适的业务办理环境。 对于行动不便、无法亲临网点的老年客户,建行德州电厂支行提供上门服务,涵盖密码重置、银行卡挂失 等高频业务,真正实现"服务多跑路,群众少跑腿"。在办理遗产继承等复杂业务时,工作人员不仅耐心指导 流程,更注重情绪安抚,体现金融服务的温度。 在智能服务方面,建行德州电厂支行网上银行、手机银行及智慧柜员机均上线"长辈模式",界面更简洁、 字体更清晰、操作更便捷,并辅以语音引导,助力老年人轻松跨越"数字鸿沟"。同时,该行定期组织开 展"银发课堂"、反诈宣传等活动,结合真实案例揭秘常见骗局,增强老年客户风险防范意识。 在养老金融规划方面,建行德州电厂支行整合个人养老金账户、养老年金保险、家族信托等多元化产品, 提供覆盖稳健储蓄、医养结合等需求的综合解决方案,助力市民科学规划晚年生活,安享金色年华。 建行德州电厂支行表示,将持续推进养老服务能力建设,以专业、安全、便捷的金融服务,陪伴老年人温暖 前行,为"老有所养 ...