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]

编者按： 多维度构建养老金融生态 证券时报记者：交行如何理解"五篇大文章"中养老金融的意义？ 李利： 2023年中央金融工作会议明确提出要做好养老金融等"五篇大文章"，此举既是国家应对人口老龄化的 前瞻性战略部署，也是老龄化背景下经济转型发展的必然选择。 从发展战略规划的高度审视，养老金融对于提升养老服务供给的整体水平、满足老年人对养老生活的美好向 往，具有不可替代的作用。无论是从需求端提升居民养老财富储备和养老支付能力，还是从供给端支持增加养 老服务，均为养老金融需重点关注的领域。 实际上，在养老服务体系和多层次、多支柱养老保险体系的建设进程中，各家银行均给予了高度重视。特别是 在第一支柱、第二支柱乃至第三支柱养老保险的建设中，金融体系均发挥了关键作用。 自2023年中央金融工作会议谋划科技、绿色、普惠、养老、数字金融发展蓝图，到今年3月国务院 出台专项指导意见，做好金融"五篇大文章"引发金融业广泛共鸣。本报特推出"做好'五篇大文章' 金 融业作答进行时"专栏，记录行业的行动和思考，淬炼可复制的创新样本，求解亟待突破的实践难 题。敬请垂注。 金融活，经济活；金融稳，经济稳。近年来，交通银行（下称"交行"）坚 ...