据介绍，"中银银发"品牌体系内涵丰富，架构清晰。一方面是针对个人客户，推出"岁悦长情"系列，旗 下"长情系列"专注养老财富的稳健保值与传承，"温情系列"构建全渠道适老服务生态，"悦情系列"拓展 全场景养老权益，旨在满足"财富有保障、服务更便捷、生活有乐趣"的核心诉求。另一方面针对产业伙 伴，打造"颐养同鑫"系列，通过"恒鑫系列"的养老金管理、"惠鑫系列"的多元化融资方案、"同鑫系 列"的场景化综合解决方案，着力破解养老产业"融资难、资源整合难"等痛点，彰显"价值共创、同心共 赢"的合作理念。 转自：新华财经 11月5日-10日，第八届中国国际进口博览会盛大举行。进博会期间，中国银行养老金融活动精彩纷呈， 从在虹桥论坛上发声，到"银发伙伴计划"专场的生态共建，新近发布的"中银银发"养老金融品牌成为一 张亮眼名片，向国内外各界展示了中行服务国家养老事业、赋能银发经济发展的宏大愿景与系统布局。 此前的10月29日，中国银行在北京举办养老金融产品服务发布会，正式揭幕"中银银发"品牌。中国银行 行长张辉在致辞中强调，中国银行始终践行金融为民初心，积极服务多支柱养老保险体系，致力于走在 服务银发客群和银发经济的最前沿。" ...

随后的主旨演讲环节，来自励峻智库、复星康养等机构的五位业界领袖与专家，分别围绕"投、融、 建、管、退"五大核心环节，分享了前沿洞察与实践经验。从投资趋势研判、融资模式创新，到高效建 设管理、精细化运营提升，再到资产退出路径探索，演讲内容环环相扣，系统性地剖析了康养产业全链 条发展的机遇、挑战与破局之道，为在场近百位产业参与者提供了宝贵的决策参考。 第八届中国国际进口博览会（以下简称"进博会"）期间，一场聚焦中国康养产业未来发展的思想盛宴 ——"穿越周期，智创未来：中国康养产业'投融建管退'全链条破局之道"闭门论坛于今日举行。本次活 动由中国银行主办，励峻智库、复旦大学国际金融学院全程支持，既是中国银行借助进博会平台深化银 发经济合作的切实举措，也是其全新发布的"中银银发"养老金融品牌及"银发伙伴计划"启动后的首次大 规模线下深度交流。 活动在隆重推介授牌仪式中拉开帷幕。中国银行养老金融中心总经理王华就"中银银发"品牌进行了深度 推介，阐述了其"岁悦长情"与"颐养同鑫"两大体系如何精准服务个人养老需求与产业赋能。紧随其后 的"银发伙伴计划"——"上海伙伴"授牌环节，由中国银行养老金融中心两位领导共同为首批8家合 ...

Core Viewpoint - The development of the silver economy is being driven by technological innovation, which is deeply embedded in elderly care scenarios, according to the head of the China Bank's Pension Finance Center [1]. Group 1: Technological Integration in Elderly Care - China Bank leverages its "Zhongyin Silver" brand to provide intelligent decision-making for pension asset management, continuously promoting digital solutions tailored for the elderly [1]. - The bank has developed an annuity investment manager profiling system using big data and AI, enhancing the professionalism and stability of pension fund management [1]. - The bank aims to ensure that the elderly can equally enjoy the conveniences of digital finance, having upgraded its mobile banking app for seniors with features like large fonts and simplified processes [1]. Group 2: Comprehensive Pension Services - China Bank has created a "Pension Finance Zone" that integrates three-pillar pension services, offering a one-stop planning tool for benefits calculation, gap analysis, product purchase, and portfolio tracking [2]. - The bank is addressing the financing bottlenecks faced by high-growth, asset-light technology companies in the elderly care sector by optimizing credit evaluation models and enhancing risk assessment efficiency [2]. Group 3: Strategic Initiatives and Collaborations - The bank is actively participating in risk compensation mechanisms and has launched initiatives like the "Elderly Service Batch Loan" in Shanghai to provide precise credit support for elderly care technology companies [2]. - China Bank is committed to building cross-border bridges to connect global advanced technologies and capital with the domestic market, enhancing the development of the silver economy [3].

Core Insights - The forum at the China International Import Expo focused on accelerating the development of the silver economy and nurturing new economic growth drivers through technology and innovation in elderly care services [1][2][3] Group 1: Technology Integration in Elderly Care - The China Bank's "Zhongyin Silver" brand emphasizes technology-driven innovation in elderly financial services, highlighting three main areas: smart decision-making for asset management, digital adaptation for service experience, and precise empowerment for tech enterprises [1][2] - The bank utilizes big data and AI to enhance pension asset management, creating a system that matches investment managers' capabilities with asset allocation needs, thereby improving the professionalism and stability of pension fund management [1] - A comprehensive upgrade of the mobile banking app for seniors includes features like large fonts and simplified processes, aiming to provide a seamless digital financial experience for the elderly [2] Group 2: Financial Ecosystem for Silver Economy - The bank identifies key obstacles in the financial ecosystem for silver technology innovation, such as risk-reward mismatches and inadequate risk-sharing mechanisms [3] - It has established three forward-looking strategies: deepening cooperation with government entities for risk compensation, creating partnerships to provide lifecycle financial services for silver tech companies, and facilitating cross-border connections to integrate global technology and capital into the domestic market [3] - The official launch of the "Zhongyin Silver" brand signifies the bank's commitment to enhancing its technology empowerment system and linking various stakeholders in the silver economy for high-quality development [3]

Group 1 - The establishment of the Shandong Enterprise Annuity Development Alliance aims to enhance the quality of enterprise annuities and promote collaboration among government, enterprises, and financial institutions [1] - Starting from January 1, 2025, the scope of talent annuities in Shandong will expand from seven pilot cities to the entire province, covering high-tech industries and startups, thus optimizing the talent ecosystem and enhancing employee pension security [1] - Shandong Bank actively supports the policy by integrating industry resources through mechanisms like the "Annuity Alliance" to improve annuity services [1] Group 2 - Shandong Bank has developed a comprehensive approach to pension finance, covering enterprise annuities, personal pensions, and pension service finance, serving nearly 1,000 enterprises and 245,000 individuals in the province [2] - As one of the first commercial banks approved to offer personal pension services, Shandong Bank has provided personal pension account services to over 769,000 individuals by the end of March [2] - The bank has launched the "Zhongyin Silver Age" pension service brand, offering comprehensive solutions for clients throughout their retirement lifecycle [2] Group 3 - Shandong Bank focuses on supporting the province's strategy for high-level talent in key industries such as artificial intelligence and renewable energy by introducing a "Talent Exclusive Annuity Plan" [3] - The bank aims to enhance the long-term compensation attractiveness for high-level talents through a combination of enterprise contribution incentives and personal tax benefits [3] - Moving forward, Shandong Bank will strengthen cooperation with the Shandong Human Resources and Social Security Department and other alliance members to optimize the enterprise annuity service system and innovate pension products [3]