Core Viewpoint - The financial sector plays a crucial role in supporting the development of the elderly care industry and the "silver economy," with Bank of Communications (BoCom) committed to creating a comprehensive financial service system that addresses the challenges of an aging population [1] Systematic Layout - BoCom has established a comprehensive service system covering five areas: elderly industry finance, pension finance, elderly wealth finance, elderly consumption finance, and financial services tailored for the elderly, positioning itself as a leader in the aging finance sector [4] - The bank aims to become a "senior-friendly bank," extending its service chain to meet the diverse needs of elderly clients and introducing innovative products like the "Pension One Account" for better asset management [4] - BoCom integrates resources to provide exclusive benefits for the elderly across seven life scenarios, enhancing their wealth management and consumption vitality through a "finance + ecosystem" model [4] Technological Empowerment - BoCom promotes "technology for the elderly," ensuring that financial services are safe, simple, and seamlessly integrated into the daily lives of older adults [5] - The bank has launched pilot programs for a "digital RMB hard wallet" in communities, allowing elderly users to make payments easily without needing to operate smartphones [5] - Online, BoCom has embedded a "Healthy Aging" service platform in its mobile banking and WeChat mini-programs, facilitating access to essential health and wellness services [6] Addressing Challenges - BoCom recognizes common challenges in the elderly care industry, such as the small scale and financial irregularities of non-profit institutions, and is working to optimize credit evaluation and lending processes for these organizations [7] - The bank is addressing the phenomenon of "hot account openings but cold contributions" in personal pension accounts by enhancing financial literacy and optimizing product offerings to meet diverse risk preferences [7] - To bridge the digital divide, BoCom adopts a "online + offline" strategy, improving its app for elderly users and enhancing service capabilities at physical branches [7] Future Outlook - BoCom is optimistic about the future of "technology + elderly care," planning to leverage financial services to unite various societal forces in reforming and developing elderly care services [8]