文/北京银行软件开发中心总经理助理 袁珏 P1往人社开立养老金账户的方式可通过管理台任务开关的方式打开，且针对业务人员的需求考虑了基于定时任务和手动触发开关两种不同的打开方式。 北京银行软件开发中心 张勇 唐国强 北京银行作为首批获准开办个人养老金业务的商业银行，自2022年11月25日业务面客以来，始终秉承"市民银行"服务理念，坚持真诚所以信赖、专业所以 卓越的企业精神，以专业、便捷、安全、惠民的服务体系推动养老金融业务发展。2024年12月12日，人力资源和社会保障部、财政部、国家税务总局、金 融监管总局、证监会联合下发《关于全面实施个人养老金制度的通知》，宣布自2024年12月15日起，个人养老金制度全面实施，由36个试点城市扩展至全 国范围，个人养老金业务开启全新时代。截至2025年2月，北京银行个人养老金开户数已突破180万户。 在个人养老金制度"扩容"之前，为满足非试点城市客户的开户需求，北京银行于2023年8月29日上线预约开户功能，邀请非试点城市客户通过预约方式登 记信息，储备客源。当个人养老金制度全面开闸时，预约客户会即刻满足开户条件，需第一时间完成批量开户，实现客户转化。为了提高个人养老金 ...

Core Viewpoint - The article highlights Beijing Bank's significant achievements in 2024, driven by macroeconomic policies aimed at supporting the real economy and enhancing consumption through various financial innovations and services [2][3]. Group 1: Financial Innovations and Product Offerings - Beijing Bank has launched specialized financial products such as "Linghang e-loan" for specialized and innovative enterprises, with cumulative loans exceeding 106.8 billion yuan by the end of 2024, marking a growth of 33.8 billion yuan since the beginning of the year [3][4]. - The bank's green finance initiatives include products like "Waste-Free Loan" and "Water-Saving Loan," with a total green loan balance reaching 210.35 billion yuan, a growth rate of 43.11% [3][4]. - The introduction of a microfinance coordination mechanism and a unified financing application platform has facilitated a 28.3% increase in inclusive finance loans, totaling 310.61 billion yuan by the end of 2024 [4][5]. Group 2: Support for Key Sectors - Beijing Bank has actively supported the manufacturing sector's transformation, with manufacturing loans growing by 36% to 237.6 billion yuan, and medium to long-term loans increasing by 67% to 122.7 billion yuan [6][7]. - The bank has also focused on cultural industry financing, achieving a loan balance of 116.64 billion yuan, reflecting a growth of 32.39% [7]. - In rural revitalization efforts, the bank's agricultural loans reached 117.34 billion yuan, with a notable increase of 250.58 billion yuan since the beginning of the year [8]. Group 3: Consumer Finance and Digital Transformation - Beijing Bank has enhanced consumer finance offerings, with the "Jing e-loan" product growing by 109% by the end of 2024, and the credit card business seeing a 16% increase in new customers [9][10]. - The bank has successfully launched the first public REITs for consumer goods in Beijing, contributing to the growth of consumption-driven financial products [9]. - Digital financial services have expanded significantly, with the bank facilitating over 100 billion yuan in digital currency transactions throughout the year [5][9]. Group 4: New Citizen Financial Services - The bank has implemented twelve initiatives to improve financial services for new citizens, providing over 26 billion yuan in entrepreneurial loans and 38 billion yuan in housing loans [10]. Group 5: Retail Business Performance - By the end of 2024, Beijing Bank's retail loan balance surpassed 700 billion yuan, maintaining a leading position among city commercial banks, with retail revenue reaching 24.94 billion yuan, a year-on-year growth of 2.26% [11].