7月1日，记者从中国人民银行湖北省分行了解到，湖北相继落地首批服务消费重点领域和养老产业贷 款。其中，交通银行湖北省分行为某养老服务有限公司发放200万元贷款；中国农业银行湖北省分行向 服务消费重点领域及养老产业投放贷款2.69亿元；国家开发银行湖北省分行为某医养结合养老服务示范 项目新批复授信2.2亿元。湖北省金融机构今年已累计向养老产业发放贷款超20亿。(人民财讯) ...

Core Viewpoint - The provincial cooperative has launched the "Elderly Series Loan" to enhance the development of the elderly service industry, providing comprehensive financial support with favorable terms for various stakeholders in the sector [1][2]. Group 1: Loan Features - The "Elderly Series Loan" targets a wide range of service providers, including elderly apartments, service centers, and businesses involved in elderly care products and training [1]. - The loan offers differentiated interest rates, with discounts of 5, 10, and 15 basis points for 3, 4, and 5-star rated elderly institutions, respectively [1]. - Loan amounts can reach up to 80% of the annual total fee income from existing bed spaces, with terms of up to 5 years, extendable to 10 years for larger projects [1][2]. Group 2: Financial Support and Growth - As of the end of 2024, the total loan balance for the elderly service sector from rural commercial banks reached 16.97 billion yuan, an increase of 4.68 billion yuan since the beginning of the year [2]. - A total of 1.217 billion yuan has been disbursed under the "Elderly Series Loan," with a loan balance involving 136 clients totaling 578 million yuan [2]. Group 3: Collaboration and Training - The provincial cooperative and the provincial civil affairs department have strengthened collaboration to enhance financial support for elderly services, establishing a resource-sharing mechanism [3]. - Rural commercial banks have conducted 382 joint meetings with civil affairs departments to discuss policy changes and training for elderly service providers [3]. Group 4: Focus on Key Areas - Rural commercial banks have issued loans totaling 996 million yuan for the construction and operation of community elderly service institutions [4]. - The "Elderly Industry Loan" has been utilized to support businesses providing essential services to the elderly, with 220 million yuan disbursed [4]. - Training loans have been provided to enhance the capabilities of elderly service training institutions [4]. Group 5: Service Optimization - The loan application process has been streamlined, with a focus on "paperless" procedures and quick processing for products like the "Elderly Housing Loan," which has disbursed 1.299 million yuan [5]. - All 4,681 bank branches are equipped with facilities for elderly customers, including green channels and assistance personnel [5]. - Mobile financial service teams have been established to provide on-site banking services to elderly clients in communities [5].

转自：新华财经 6月11日，中国人民银行总行印发服务消费和养老再贷款申报指引，中国银行宁波市分行在中国人民银 行宁波市分行的指导下，成功发放500万元养老产业贷款。该笔贷款为服务消费与养老再贷款政策出台 后，宁波地区落地的首笔养老产业贷款，为当地银发经济发展注入金融活水，有效缓解了老年用品制造 企业运营资金压力。 宁波某智能健身器材制造企业是国内行业领先企业，其生产的气血循环机、按摩椅及平板跑步机，以低 强度适配、空间节省及智能监护为核心，实质覆盖老年健康需求。获悉企业因扩大生产线产生资金需 求，中国银行宁波市分行主动靠前对接，建立授信审批绿色通道，从资料审核到信贷资金投放仅耗时3 个工作日，帮助企业提升养老服务承载能力，解决燃眉之急。 服务消费与养老再贷款支持领域包括住宿餐饮、文体娱乐、教育等服务消费重点领域和养老产业。自中 国人民人行出台该政策以来，中国银行宁波市分行迅速行动，聚焦养老服务客户以及老年用品、康复辅 助器具、医疗健康及抗衰老领域目录企业清单建立"一户一策"服务机制，引导辖内机构精准对接养老产 业需求，确保政策精准传达、高效执行。 未来，中国银行宁波市分行将持续发挥政策引领和信贷支持"双驱动" ...

Group 1: Financial Performance - In Q1 2025, six major state-owned banks achieved a total net profit attributable to shareholders of 344.42 billion yuan, averaging approximately 3.83 billion yuan per day [1] - Agricultural Bank and Bank of Communications reported year-on-year growth in net profit, with increases of 2.20% and 1.54% respectively [1] - The revenue figures for the six banks were as follows: Industrial Bank (212.77 billion yuan), Agricultural Bank (186.67 billion yuan), China Construction Bank (190.07 billion yuan), Bank of China (164.93 billion yuan), Postal Savings Bank (89.36 billion yuan), and Bank of Communications (66.37 billion yuan) [1] Group 2: Asset Scale and Quality - By the end of Q1, the total asset scale of the six banks showed steady growth, with Industrial Bank leading at 51.55 trillion yuan, a 5.58% increase from the previous year [2] - Agricultural Bank followed with assets of 44.82 trillion yuan, up 3.66%, while China Construction Bank reached 42.79 trillion yuan, growing by 5.48% [2] - The non-performing loan ratios for the banks remained stable, with Industrial Bank and Agricultural Bank both at 1.33%, and Postal Savings Bank at 0.91% [2] Group 3: Support for the Real Economy - The six banks continued to support the real economy, with Industrial Bank's loans to strategic emerging industries reaching 3.5 trillion yuan, and manufacturing loans at 4.8 trillion yuan [3] - Agricultural Bank's loans to strategic emerging industries totaled 3.2 trillion yuan, with a growth rate of 24.1% [3] - Postal Savings Bank served nearly 100,000 technology-based enterprises, with financing exceeding 600 billion yuan [3] Group 4: Green and Inclusive Finance - Agricultural Bank's green loan balance reached 5.59 trillion yuan, with a growth rate of 12.06% [3] - Postal Savings Bank's green loan balance was 910.71 billion yuan, growing by 6.01% [3] - Agricultural Bank's loans to private enterprises amounted to 7.22 trillion yuan, with a growth rate of 10.51% [3] Group 5: Digital Finance - By the end of Q1, Industrial Bank's loans to the core digital economy industries exceeded 960 billion yuan, reflecting a growth of 10.9% [4] - Bank of Communications reported loans to the digital economy core industries at 307.68 billion yuan [4]

◎记者何奎 在我国"9073"的养老格局中，90%为居家养老，7%为社区养老，3%为机构养老。"金融、医疗和养老三 大行业普遍面临着消费者需求日益增长与供给不足、标准缺失、服务参差不齐等结构性矛盾，亟须通过 数字化创新和差异化服务实现突破。"中国平安在年报中表示。 在"金融+养老服务"方面，截至2024年末，中国平安居家养老服务覆盖全国75个城市，上线数百项十维 居家养老服务，超16万名客户获得居家养老服务资格。 2024年是金融业做好"五篇大文章"的首个完整答题之年。上市金融机构做好"五篇大文章"的成绩在年报 细节中体现——相比2023年年报的概述，2024年年报大多列成专栏、专题介绍推进情况。 在金融"五篇大文章"中，养老金融与老百姓生活息息相关。上海证券报记者梳理2024年年报发现，上市 金融机构深刻把握金融工作的政治性和人民性，从做大养老金规模、丰富养老金融产品、优化养老服务 供给、加大养老产业金融支持等多方面着手，做好养老金融的"时代答卷"。 养老金规模普遍大涨 守护老百姓的"养老钱"是金融机构做好养老金融大文章的职责和使命。2024年，上市金融机构养老金规 模均实现快速增长。 工商银行在年报专栏中 ...

近年来，中国银行宁波市分行积极探索养老金融发展新路径，为银发群体提供有温度、有深度的金融支 持，助力实现"老有所养、老有所依、老有所乐"。 将养老产业作为重点支持领域，中行宁波市分行持续加大金融支持力度，推动养老产业健康发展。截至 2025年3月末，该行养老产业贷款余额已超过3.3亿元。 宁波某养老服务公司旗下养老院项目，主要面向失智失能老人、急性病恢复期和中长期康复者群体提供 配套服务，筹建初期由于资金需求体量大，面临融资困境。中行宁波市分行主动对接，通过高效审批为 企业送去金融"及时雨"，累计给予信贷支持1.9亿元。养老院正式运营后，将成为当地唯一具有"医院牌 照"的康养机构，预计解决700余老人的养老问题。 宁波某老年用品制造企业为工业和信息化部重点支持的老年用品制造企业之一，主营产品包括升降茶 几、智能电动护理床等适老化智能设备。在了解到企业面临研发投入大、流动资金紧张等困难后，中行 宁波市分行迅速为其量身定制融资方案，及时输送2000万元的金融"活水"。同时，在当地人民银行的指 导下，该行协助企业申报普惠养老再贷款，以差异化利率降低融资成本，助力企业扩大智能适老化产品 生产规模。 围绕提升银发客群生 ...

宁波某养老服务公司养老院项目主要面向失智失能老人、急性病恢复期和中长期康复者等群体给予养老 配套服务，筹建初期由于资金需求体量大，面临融资困境。中国银行宁波市分行主动对接，通过高效审 批为企业送去金融"及时雨"，累计给予信贷支持1.9亿元。养老院正式运营后，预计将提供766个床位， 解决700余名老人的养老问题。 坚持服务民生初心，多措并举服务银发客群 以提升银发客群生活便利性为核心，中国银行宁波市分行将金融服务融入各类生活场景，不断增强银发 客群获得感、幸福感、安全感。 转自：新华财经 近年来，中国银行宁波市分行积极探索养老金融发展新路径，为银发群体提供有温度、有深度的金融支 持，助力实现"老有所养、老有所依、老有所乐"。 精准对接产业需求，赋能养老产业发展 将养老产业作为重点支持领域，中国银行宁波市分行持续加大金融支持力度，促进养老产业健康发展。 截至2025年3月末，该行养老产业贷款余额超3.3亿元。 此外，中国银行宁波市分行深入贯彻落实金融支持房地产增量政策，积极满足银发客群刚需及改善性住 房需求，2024年6月以来，该行向60（含）周岁以上客户发放住房贷款26笔，累计金额2508万元。 未来，中国银 ...