随着"金九银十"求职季的到来，一年一度的银行秋季校园招聘也陆续拉开帷幕。 《金融时报》记者注意到，近日，工、农、中、建、交、邮储六家国有大行集体发布了2026年度校园招 聘的公告，纷纷面向海内外的应届毕业生抛出"橄榄枝"，招聘机构不仅包括总行本部，还包括各分支机 构及直属单位。 六大行开启"秋招模式" 随着数字化转型的深入推进，各家银行对于金融科技人才的需求依旧有增无减。《金融时报》记者注意 到，在2026年度校园招聘中，六大行均发布了金融科技相关的若干岗位。 在今年秋招季，工商银行继续加大了科技人才招聘力度，其中，工商银行总行开启了"人工智能+"专项 招聘，分支机构则设置"科技菁英"岗位，主要为系统开发、应用研发、信息安全、数据挖掘、产品设计 等领域提供科技人才储备。 农业银行还发布了数据中心、研发中心两家总行直属机构的2026年度校园招聘公告，足以见得农行对金 融科技人才的重视。其中，农行数据中心今年共计招聘145人，包括智领计划岗、信息技术工程师岗； 研发中心共计招聘215人，包括智领计划岗、软件研发岗等6类岗位。 除了对于科技人才的关注，"小语种"专业人才也成为了多家国有大行秋招的重点。在今年中国银行 ...

Group 1: Aging Population Challenge - China is facing an unprecedented aging challenge, with the elderly population aged 60 and above reaching 31.03 million by the end of 2024, accounting for 22.0% of the total population [2] - The elderly dependency ratio for those aged 65 and above is 22.8%, highlighting the increasing social burden and the limitations of traditional family-based care [2] - The transition to a more diversified and multi-layered pension system is urgently needed to address the pressures on public pension systems and the inadequacies of relying solely on government or family support [2][3] Group 2: Economic Implications - China entered an aging society in 2000 and reached a deep aging society by 2021, with the proportion of those aged 65 and above at 14.2% [3] - The acceleration of population aging poses significant challenges to economic development and social stability, with China's per capita GDP at approximately $13,000 when entering moderate aging, compared to higher figures in Japan and South Korea at similar aging stages [3] Group 3: Pension System Structure - The pension system in China consists of three pillars: basic pension insurance, enterprise annuities, and personal pensions, which are crucial for addressing the aging population [4][5] - Predictions indicate that the cumulative balance of urban employee basic pension insurance funds will peak at 6.99 trillion yuan by 2027 and then decline rapidly, potentially exhausting reserves by 2035 [6] Group 4: Financial Support for Aging - The Chinese government has been actively promoting policies to support the development of pension finance, emphasizing the need for a multi-layered pension insurance system [7] - China Merchants Bank is strategically positioning itself in the pension finance sector, offering comprehensive solutions through pension finance, elderly service finance, and pension industry finance [8] Group 5: Service Innovations - China Merchants Bank has established a competitive advantage in the pension finance sector, providing services to over 9,900 enterprises and managing nearly 30 billion yuan in enterprise annuity assets [8] - The bank's initiatives include creating age-friendly banking environments and offering personalized services to elderly clients, demonstrating a commitment to enhancing the quality of life for seniors [9][10] Group 6: Industry Challenges and Opportunities - The pension finance sector in China is still transitioning from its initial phase to maturity, facing challenges such as limited financial support, single financing channels, and long project profitability cycles [7] - The potential of the second pillar of pension finance remains largely untapped, with less than 10% of employees covered by enterprise annuities, indicating significant room for growth [10] Group 7: Societal Impact and Future Outlook - The development of pension finance is crucial for ensuring that every elderly individual can enjoy a dignified and secure retirement, reflecting the societal values of respect and care for the elderly [11] - The balance between efficiency and equity in pension finance is a key challenge, requiring financial institutions to manage risks while ensuring fair access to resources for all elderly individuals [11]