11月27日，省政府新闻办举行新闻发布会，邀请中国人民银行山东省分行主要负责同志等介绍山东省金 融服务养老事业和银发经济情况。记者在发布会上了解到，个人养老金制度全面实施马上期满一年，山 东金融监管局在推动个人养老金制度落地方面逐步探索出一条适合山东省情的个人养老金发展道路。截 至10月底，辖区个人养老金开户数已突破1000万户；推出相关金融产品超500款，涵盖储蓄、保险、基 金、理财等多类型产品；开户人员年龄主要集中在中年人群，30—50岁开户人数占比近60%。 国家金融监督管理总局山东监管局二级巡视员刘长霞表示，个人养老金制度是我国"第三支柱"养老保险 的重要制度性安排，我省个人养老金体系自2022年11月启动试点，2024年12月全面推开，在此过程中， 山东金融监管局引领银行保险机构认真落实政策要求，积极满足人民群众多样化养老需求，主要举措体 现为"三多"： 一、多渠道加强宣传推广。积极组织辖区银行保险机构做好"线上+线下"多渠道、多维度宣传。"线 上"方面，充分利用官网、手机银行、微信公众号等方式宣传个人养老金知识，普及具体操作流程，广 泛发布新闻，精准推送信息。"线下"方面，组织开展养老金融知识进企 ...

Group 1 - The global macro environment has changed frequently over the past 12 months, challenging traditional market rules and prompting investors to seek long-term opportunities [1] - In the first half of 2025, international stocks represented by the MSCI All Country World Index (excluding the US) outperformed US large-cap stocks represented by the S&P 500, reversing the long-standing dominance of US equities [1] - Despite the strong performance of international growth stocks, their valuations remain relatively low compared to the significantly expanded valuations of US tech stocks, which have been supported by strong earnings and returns [1] Group 2 - The MSCI All Country World Index (excluding the US) is heavily weighted towards value sectors, with financials, energy, materials, and industrials making up 61%, while structural growth sectors like technology have a lower weight [2] - Historical data indicates that high-growth companies tend to outperform their slower-growing peers, suggesting that passive strategies tracking broad indices may miss opportunities for excess returns [2] Group 3 - Growth stocks encompass a diverse range of companies with varying characteristics, and their growth drivers can change over time [3] - Growth companies can be categorized into emerging growth companies, which are often disruptors in developing industries with significant upside potential, and stable compounding growth companies, which have established profitability and clear growth drivers [3] Group 4 - Understanding structural trends is crucial in an increasingly uncertain global macroeconomic environment, as these trends can help well-managed companies seize opportunities and enhance growth potential [4] - Artificial intelligence (AI) is a prominent global trend, with new generative AI models emerging, such as DeepSeek's R1 model, which offers competitive performance at lower costs, facilitating broader access to AI technology [4][5] - The luxury goods sector is benefiting from direct-to-consumer sales models, allowing brands to control distribution, pricing, and customer experience, thus enhancing brand value and profit margins [5] Group 5 - The transportation sector is undergoing significant transformation driven by electrification, autonomous driving technology, and evolving usage patterns, creating long-term growth opportunities for innovative companies [5] - In emerging markets, the rapid development of fintech and e-commerce presents attractive structural growth opportunities, as digital financial services and online consumption are accelerating due to increased smartphone penetration and an underserved banking user base [5] Group 6 - Investors in international growth stocks have reasons to reassess their investment strategies due to heightened geopolitical instability and rapid technological advancements reshaping the global economic landscape [6] - Historical experience shows that well-managed and innovative international companies can provide substantial long-term returns, suggesting that current market uncertainties may present growth opportunities for investors with analytical capabilities and long-term perspectives [6]

公开数据显示，截至2025年11月25日，个人养老金产品总数超过1200只，包括储蓄国债、理财、保险、基金等类别，其中基金类产品达311 只。 Choice统计数据显示，截至2025年11月25日，上述129只个人养老金基金设立以来有120只实现正收益，比例高达93%，平均回报为9.14%，国 泰民安养老2040三年持有混合(FOF)Y和鹏华养老2045混合发起式(FOF)Y更以32.39%和25.6%的表现排名居前，还有12只产品期间回报率超过 15%，易方达和兴证全球旗下分别有5只和3只产品位列其中。 | 证券名称 | 累计单位 净值增长率% | 基金成立日 | | --- | --- | --- | | 国泰民安养老2040三年持有混合(FOF)Y | 32.39 | 2022/11/16 | | 鹏华养老2045混合发起式(FOF)Y | 25.6 | 2022/11/16 | | 易方达汇康稳健养老一年持有混合(FOF)Y | 17.93 | 2022/11/17 | | 兴全安泰积极养老五年持有混合发起式FOFY | 17.71 | 2022/11/17 | | 景顺长城稳健养老目标三年持有期混合 ...

Core Insights - The insurance telemarketing industry is experiencing a significant decline, with 9 life insurance companies shutting down 19 telemarketing centers this year, reflecting a broader trend of regulatory tightening and consumer distrust [1][2] - The closure of telemarketing centers is a response to persistent issues such as misleading sales practices, consumer complaints, and regulatory pressures, indicating a shift towards more compliant and quality-focused sales strategies [1][2][3] Group 1 - The reduction in telemarketing centers is attributed to a combination of consumer complaints regarding misleading sales practices and regulatory scrutiny, leading to increased compliance pressures on insurance companies [1][2] - The former leader in telemarketing, China American Life Insurance Company, closed its last telemarketing center in March 2023, highlighting the industry's transition away from this sales model [1] - Regulatory bodies have introduced new rules to enhance the professionalism and ethical standards of insurance sales personnel, necessitating a shift in the operational framework of telemarketing centers [2] Group 2 - Complaints against telemarketing practices include exaggeration of insurance benefits, creating urgency through false claims of product availability, and withholding critical contract information, which have contributed to consumer distrust [3] - The industry is moving from a broad marketing approach to a more precise and compliant service model, emphasizing quality over quantity in sales practices [3] - The future focus for insurance companies will likely shift towards providing better service and protection for policyholders rather than merely increasing sales volume [3]

金融是国民经济的血脉，是国家核心竞争力的重要组成部分，要为经济社会发展提供高质量服务。《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》（以下简称《建议》）系统阐述了"十 五五"时期经济社会发展的总体要求、指导方针和主要目标，并对加快建设金融强国作出一系列重要部 署。这是"金融强国"首次写入五年规划建议。 作为我国金融体系的主力军，银行业始终坚持服务实体经济的根本宗旨，深刻践行金融工作的政治性、 人民性，以金融"五篇大文章"为核心抓手，统筹推进金融与产业、消费等融合发展，积极构建"金融支 持产业升级—优化产品供给—稳定劳动就业—增加居民收入—激发消费潜能—消费促进产业"的良性循 环，为基本实现社会主义现代化提供坚实有力的金融支撑。 展望"十五五"时期，结合《建议》要求，银行业应积极通过信贷结构优化、产品服务创新、体制机制完 善等方式，精准对接产业升级、科技创新、绿色低碳、乡村振兴、扩大内需等重点领域需求。 更加精准地对接重点领域信贷需求，需要银行业构建全链条产业金融服务体系，精准支持产业升级。 《建议》将"建设现代化产业体系，巩固壮大实体经济根基"置于战略任务首位，提出"坚持智能化、绿 色化、融合 ...

作为我国金融体系的主力军，银行业始终坚持服务实体经济的根本宗旨，深刻践行金融工作的政治 性、人民性，以金融"五篇大文章"为核心抓手，统筹推进金融与产业、消费等融合发展，积极构建"金 融支持产业升级—优化产品供给—稳定劳动就业—增加居民收入—激发消费潜能—消费促进产业"的良 性循环，为基本实现社会主义现代化提供坚实有力的金融支撑。 金融是国民经济的血脉，是国家核心竞争力的重要组成部分，要为经济社会发展提供高质量服务。 《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》（以下简称《建议》）系统阐述 了"十五五"时期经济社会发展的总体要求、指导方针和主要目标，并对加快建设金融强国作出一系列重 要部署。这是"金融强国"首次写入五年规划建议。 展望"十五五"时期，结合《建议》要求，银行业应积极通过信贷结构优化、产品服务创新、体制机 制完善等方式，精准对接产业升级、科技创新、绿色低碳、乡村振兴、扩大内需等重点领域需求。 更加精准地对接重点领域信贷需求，需要银行业构建全链条产业金融服务体系，精准支持产业升 级。 《建议》将"建设现代化产业体系，巩固壮大实体经济根基"置于战略任务首位，提出"坚持智能 化、绿色化、融 ...

为全面落实积极应对人口老龄化国家战略，有效满足"银发"客群全方位、多层次的金融服务需求，紫金 农商银行秉持金融服务的政治性、人民性，以网点适老化改造、产品适老化倾斜、服务适老化延伸为抓 手，统筹推进养老金融综合服务，用情用力书写养老金融大文章。 有所享：网点适老化升级 紫金农商银行聚焦养老金融痛点难点，严格按照适老化服务改造标准，持续优化厅堂服务环境和金融功 能，着力提升老年客户业务办理的便捷性和舒适性。 "服务好不好，老人说了算！"金牛湖支行负责人对员工说道。走进省级适老网点金牛湖支行，适老化改 造的"温度"扑面而来。在"银发关爱区"，老花镜、轮椅、急救箱等适老设施一应俱全；在"助老爱心窗 口"，"密码键盘闪亮提示标签"格外醒目；在"老年文化活动室"，一场场有声有色的反诈情景剧正在上 演…… 这只是紫金农商银行积极落实网点适老化改造的一个缩影。该行在营业厅堂外设置无障碍通道，增添无 障碍扶手，张贴醒目的"注意台阶""小心地滑"等适老化指引标识和紧急联络电话；厅堂内设置爱心座 椅，配备老花镜、便民服务箱、放大镜、轮椅等便民服务设施；为老年客户专设"绿色服务"通道，开 设"爱心窗口"，设置敬老服务专员，全程为老 ...

今天分享的是：2025年金融消费趋势洞察研究报告 报告共计：35页 《2025年金融消费趋势洞察研究报告》基于全国1016名消费者调研，揭示当前金融消费核心趋势与痛点。趋势方面，金融消 费从"及时行乐"转向"保障未来"，资产配置趋于稳健，保险、医疗健康类产品需求旺盛，95后对养老规划的关注度已超消费 娱乐，医疗养老领域因供给缺口，亟需兼顾稳健收益与长期保障的产品。用户痛点集中在需求多元却缺乏"财富高定"方案、 产品收益不及预期、服务存在操作繁琐、条款复杂、信息不透明等问题，超九成消费者期待"省心、省时、省钱"的金融服务 体验。金融行业面临"收益、风险、流动性"的"不可能三角"困境，需通过政策规范、行业科技创新与用户素养提升多方突 围。中国平安的"三省工程"成为实践典范，以"综合金融+医疗养老"为战略引领，依托科技赋能、产品创新、专业服务与文化 驱动四大支撑，打造一站式服务，实现理赔提速、产品适配、服务升级等成效，其个人客户总数超2.42亿，居家养老服务覆 盖75个城市，用户满意度较高。报告指出，金融为民的核心是以客户需求为中心，未来行业需通过简化流程、提升透明度、 强化协同，让金融服务更简单、可及、有温度，真 ...

越来越多保险公司将消费者权益保护内嵌于经营发展战略之中，从被动合规转向主动服务，消费者 权益保护工作成效逐步显现。比如，在投保流程上，保险公司强化合规管理，通过线上弹窗提示、线下 书面确认等方式，确保消费者充分知晓保险条款、费用标准等关键信息。在续保与扣费环节，保险公司 建立"双重提醒"机制，即在自动扣费前通过短信、App推送等方式告知消费者，保障消费者的知情权与 自主选择权。在销售行为管控上，保险公司加强对销售人员的培训与管理，建立"培训考核—上岗认证 —行为追责"的全链条管理体系，对夸大宣传、隐瞒限制等不当营销行为设置了严格的处罚机制。 当然，消费者权益保护既需要监管部门的刚性护航与保险公司的主动作为，也离不开消费者的理性 参与。中国消费者协会提醒保险消费者，增强风险防范意识，在购买保险前仔细阅读产品条款，核实保 险公司资质和收款主体，避免通过不明链接支付，防止上当受骗。 金融为民是保险行业的根本遵循。当监管政策的刚性约束、保险机构的主动转型、消费者的理性参 与形成合力，才能真正构建起"事前预防有机制、事中管控有手段、事后救济有保障"的"大消保"格局。 未来，保险业仍需持续深化"以消费者为中心"的核心理念 ...

Core Insights - Manbang Group reported a total revenue of 9.297 billion yuan for the first three quarters of 2023, representing a year-on-year growth of 15.3% [1] - The net profit attributable to ordinary shareholders reached 3.42 billion yuan, with a year-on-year increase of 36.2% [1] - Value-added services, primarily credit solutions and insurance, generated revenue of 1.505 billion yuan in the first three quarters, up 14.54% year-on-year [1][2] Financial Performance - In Q3 alone, value-added services achieved revenue of 561 million yuan, reflecting a year-on-year growth of 16.88% [1] - The demand for credit solutions has been a significant driver of growth, with the outstanding balance of loans on the balance sheet totaling 4.996 billion yuan as of September 30, 2025, an increase of 18.95% from the beginning of the year [2] - The total non-performing loan rate stood at 2.2%, unchanged from the beginning of the year, while it was 1.41% at the end of 2020 [2] Business Overview - Manbang Group was established in November 2017 through the strategic merger of Jiangsu Manyun Software Technology Co., Ltd. and Guiyang Truck Helper Technology Co., Ltd. [2] - The company went public on the New York Stock Exchange in June 2021 [2] - Manbang primarily operates a freight matching service through its FTA platform, with credit solutions becoming an essential part of its revenue stream [2][4] Credit Solutions - Revenue from credit solutions has consistently accounted for over 10% of total revenue over the past five years [4] - The year-on-year growth rates for credit solutions revenue from 2022 to 2024 were 53.08%, 25.88%, and 33.83%, respectively [2] Financial Services - Manbang holds a small loan license through Guiyang Truck Helper Small Loan Co., Ltd., which was approved for operation in December 2016 [6] - The financial services offered include scenario loans and cash loans, with annual interest rates ranging from 8% to 24% [6] - The company also owns Tianjin Manyun Commercial Factoring Co., Ltd. and Guiyang Shan'en Insurance Brokerage Co., Ltd. [6]