｜广告｜ 数据说 个人养老金到底香在哪里? 能存 ·能省·还能投资 超过1300万+人选择 在招商银行开启个人养老金 数据来源:招商银行2025年半年度报告。 "第二笔退休金" 随时间"膨胀" 边存边省 至高省税 攒下养老钱 现在存 未来领 5400元/年1 还能投资求增值 存多存少自己定 养老鼠論 98% 产品成立以来正收益 器厂 指数基金 FOF产品 打包一篮子个股 。 股债搭配 专人打理,求稳求进 灵活交易,低费率高性价比 25% 1 30 个年中工作同步 个年中亚拉同城 3.4% 平均年化收益率超 更多人的养老投资选择 超143.9万人 2025年上半年个人养老金理财投资者 46.2% 投资者较年初增长 数据来源：产品数量统计自招商银行App,数据截至2025年11月1日;投资者人数统计、收益 率等数据整理自《中国银行业理财市场2025年半年报告》。 养老保险&存款 数据来源：养老基金收益率数据来源于Wind，养老基金包括Wind内地公募基金分类下全部 Y份额类型基金,截至2025年11月1日。 养老理财 精选理财好品 我们这行收入忽高忽低,以前根本不想养老。现 在懂了,没人帮交社保,再不自己存点,老 ...

上个月去银行办事，遇到了做保险代理的老同学小陈。他看起来有点沮丧，聊起来才知道，最近客户经 常问他一个问题："听说有保险公司倒闭了，买保险还安全吗？"这个问题确实让很多保险从业者感到困 扰，也让不少消费者对保险行业产生了疑虑。 我们仔细了解了一下保险行业的实际情况，发现确实有一些保险公司在经营过程中遇到了困难。近年 来，确实有几家保险公司因为各种原因被接管或进行了重组，这在行业内引起了不小的关注。 从具体案例来看，安邦保险集团的情况比较特殊。2018年，由于违法违规经营，安邦保险集团被保险监 管部门接管。经过几年的整顿和重组，其主要业务最终分拆转让给了其他保险公司。这个过程中，保单 持有人的权益得到了充分保障。 我们了解到，在安邦保险被接管期间，客户的保单继续有效，理赔服务正常进行。没有出现客户因为公 司问题而损失保险保障的情况。这说明即使保险公司出现经营问题，监管部门也会采取措施保护消费者 权益。 从监管机制来看，我国对保险行业的监管确实比较严格。保险保障基金、偿付能力监管、风险处置机制 等多重保障措施，为保险消费者提供了较为完善的保护。即使真的有保险公司无法继续经营，也有相应 的处置预案。 我们从保险监管 ...

党的二十届四中全会通过的《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》提 出"建设强大国内市场，加快构建新发展格局"，要求"坚持惠民生和促消费、投资于物和投资于人紧密 结合，以新需求引领新供给，以新供给创造新需求，促进消费和投资、供给和需求良性互动"。 其三，优化社会就业结构。通过发展养老产业金融，催生智能护理、适老化改造等领域新职业，创造和 提高社会对数字技能、人文关怀等复合型能力的新需求，将有助于推动社会人力结构向高端化转型。推 动养老金融进一步链接医疗、科技、地产等产业，例如，通过养老社区建设带动建筑、护理、管理等专 业人才集聚，也有助于人力资本在产业链中实现高效流动。 其四，提高经济发展质量。顺应银发经济发展趋势，扩大养老金融覆盖面和服务层次，促进老年群体的 消费活力，通过对银发消费的挖掘，有助于拉动国内消费水平、提升消费质量和可持续性，增强国内大 循环内生动力。通过养老金融与科技金融深度融合，将人工智能等新兴技术加快引入医疗健康、养老康 养等产业，也将有助于进一步培育新质生产力，提升经济金融适配性，增强经济高质量发展的动力。 黄涛表示，大力发展养老金融，将社会养老支出合理转化为对人的长 ...

Core Viewpoint - The establishment of the first "Elderly Financial Demonstration Outlet" by Zhongyuan Bank in Zhengzhou aims to provide comprehensive financial services tailored to the elderly population, focusing on their unique financial needs and enhancing their overall service experience [1][5]. Group 1: Elderly-Focused Services - The Zhengzhou Jing San Road branch has implemented ten specialized services for the elderly, including user-friendly smart teller machines designed for ease of use, priority service channels, and a range of supportive facilities such as wheelchairs and magnifying glasses [2]. - The branch has integrated elderly-friendly concepts into its business processes through hardware upgrades, creating a comfortable and reassuring environment for elderly clients [2]. Group 2: Comprehensive Financial Solutions - A dedicated elderly financial team has been established to address the specific needs of elderly clients, offering personalized financial consulting in areas such as wealth management and retirement planning [3]. - The bank promotes a product system that includes savings, insurance, and wealth management, aiming to provide stable retirement asset allocation solutions [3]. - Regular financial education activities are conducted to enhance elderly clients' awareness of personal information protection and fraud prevention [3]. Group 3: Community Engagement and Cultural Activities - The bank has created a multifunctional service center that combines financial services with health consultations and social activities, fostering community engagement among the elderly [4]. - Regularly organized cultural activities, such as traditional crafts, enrich the spiritual and cultural lives of elderly clients, positioning the branch as a "warm harbor" for the local elderly community [4]. Group 4: Future Development Plans - Zhongyuan Bank plans to extend the elderly-friendly upgrades to other branches, aiming to create a "financial + lifestyle" ecosystem for elderly clients, thereby enhancing their quality of life [5].

Core Insights - Southbound funds increased their holdings in China People's Insurance Group by 6.452 million shares on November 18, 2025, marking a 0.24% increase in total shares held [1][2] - Over the past five trading days, there were three days of net increases, totaling 10.745 million shares, while in the last twenty trading days, there were eleven days of net reductions, totaling 13.60 million shares [1] - As of now, southbound funds hold 2.654 billion shares of China People's Insurance Group, accounting for 30.4% of the company's total issued ordinary shares [1] Shareholding Summary - On November 18, 2025, total shares held reached 2.654 billion, with a change of 6.452 million shares [2] - On November 17, 2025, total shares held were 2.647 billion, with a change of 0.964 million shares [2] - On November 14, 2025, total shares held were 2.646 billion, with a decrease of 1.946 million shares [2] - On November 13, 2025, total shares held were 2.648 billion, with an increase of 5.877 million shares [2] - On November 12, 2025, total shares held were 2.642 billion, with a decrease of 0.602 million shares [2] Company Overview - China People's Insurance Group is a holding company primarily engaged in providing insurance products, including property insurance, health insurance, life insurance, reinsurance, Hong Kong insurance, and pension insurance [2] - The property insurance segment includes products for both corporate and individual clients, such as motor vehicle insurance, agricultural insurance, property insurance, and liability insurance [2] - The health insurance segment focuses on health and medical insurance products, while the life insurance segment includes various life insurance products such as participating, whole life, annuity, and universal life insurance [2] - The Hong Kong insurance business encompasses property insurance operations in Hong Kong, and the pension insurance segment includes corporate annuities and occupational annuities [2]

11月15日，蒙古社会保险总局公布数据称，2025年1—9月，蒙古社会保险收入达4.8万亿图格里克（约 合人民币95.6亿元），同比增长15.9%。其中，养老保险收入同比增长14.2%，生育、重疾等保障型保险 收入同比增长24.4%。同期，蒙古社会保险支出达4.4万亿图格里克（约合人民币87.6亿元），同比增长 16.5%。其中，养老保险支出同比增长15.7%，生育、重疾等保障型保险支出同比增长20.8%。此外， 2025年1—9月蒙古养老保险受益人数达52.0万人，同比增长2.5%，保障型保险受益人数达14.6万人，同 比增长7.0%。 ...

Core Insights - The 12th "Peking University Saisir Forum 2025" was held at Peking University, focusing on the theme "Looking Ahead to the 14th Five-Year Plan: Strategic Opportunities and Risks" [1] - The forum gathered over 200 experts from regulatory bodies, universities, financial and insurance institutions, and research organizations to discuss opportunities and challenges in economic and social development during the 14th Five-Year Plan period [1] Group 1 - The 14th Five-Year Plan period is a critical stage in China's progress towards achieving socialist modernization, with the recent approval of the "Suggestions on Formulating the 14th Five-Year Plan for National Economic and Social Development" by the 20th Central Committee [1] - The forum aims to gather diverse insights to promote high-quality development in the insurance industry, improve the social security system, and facilitate coordinated economic and social development [1] Group 2 - The opening speech was delivered by Sun Qixiang, Honorary Director of the China Insurance and Social Security Research Center at Peking University, followed by a keynote address from Liang Tao, former Vice Chairman of the China Banking and Insurance Regulatory Commission, emphasizing high-quality development and the alignment of insurance with economic needs [2] - Experts including Chen Wenhui, former Vice Chairman of the National Social Security Fund Council, and others discussed topics such as digital transformation in insurance, healthcare reform, and new challenges in pension insurance [2] Group 3 - A roundtable forum on the development of the Chinese insurance industry was held, featuring the launch of the "China Insurance Industry Development Report 2025," with discussions on enhancing health insurance services, building risk management systems, and applying actuarial techniques [2] - The forum included eight sub-forums covering various topics such as insurance and economic growth, pension insurance, healthcare insurance, and family risk management, with over thirty scholars presenting their research findings [3] Group 4 - The forum concluded with a summary speech by Suo Lingyan, Vice Dean of the School of Economics at Peking University, expressing gratitude to participating experts and organizations, and reaffirming the forum's role as a platform for government, industry, academia, and research collaboration [3] - Since its establishment in 2003, the China Insurance and Social Security Research Center has focused on bridging academic research and policy practice, actively serving national strategies and promoting continuous innovation and institutional improvement in the insurance and social security sectors [3]

Core Insights - China Life Insurance has topped the global life insurance rankings with a reserve scale of $798.07 billion, surpassing Allianz SE [1][2] - The rise of China Life reflects the overall strengthening of the Chinese insurance industry on the global stage, with both China Life and Ping An Insurance ranking among the top three [2][3] - The growth of the Chinese insurance market is supported by favorable policies and an increasing awareness of risk management among consumers [4][6] Company Performance - In the first three quarters of 2025, China Life reported a new business value growth of 41.8% and a net profit exceeding 167.8 billion yuan, marking a 60.5% increase [6][7] - Total premiums reached 669.645 billion yuan, a year-on-year increase of 10.1%, with new single premiums growing by 10.4% [6][7] - The company maintains a strong solvency position, with a core solvency ratio of 137.5% and a comprehensive solvency ratio of 183.94% [7] Strategic Initiatives - China Life is expanding its presence in the health and elderly care sectors, with 19 institutions established across 15 cities [7][8] - The company has launched over 80 new products in the first half of the year, enhancing its product matrix to meet diverse customer needs [9][10] - A multi-channel strategy is being implemented to improve customer engagement and service delivery, with over 44 million claims processed in the first three quarters [10] Industry Outlook - The Chinese life insurance industry is entering a golden period, driven by a large population, rising income levels, and significant market demand for health, retirement, and wealth management [11][12] - Regulatory support and a focus on quality improvement are expected to enhance the industry's growth potential [12] - The future growth of the industry is anticipated to be robust, with China Life positioned to leverage its historical strengths and innovative capabilities [12]

Core Points - Taobao Flash Sale is now offering social security subsidies such as pension and medical insurance to all riders, with reports indicating that riders in cities like Shenzhen and Fuzhou can apply for subsidies up to 100% [1] - This initiative is based on the principles of autonomy and inclusivity, allowing both full-time and part-time riders who meet the payment criteria to independently contribute and receive subsidies [1] - Riders can choose to pay social security in either their registered residence or work location, with Taobao Flash Sale covering at least 50% of the insurance costs for contributing riders, while team leaders and honorary riders can receive full subsidies [1]

Core Viewpoint - The Shanghai Hongkou District People's Court has released a white paper detailing the adjudication of pension financial disputes from 2020 to 2025, highlighting the increasing complexity and volume of such cases in the context of the aging economy [1]. Group 1: Overview of Pension Financial Disputes - From 2020 to 2025, the court received a total of 1,184 pension financial dispute cases and concluded 1,154 of them [1]. - The white paper categorizes disputes related to financial products, pension asset management, pension insurance, and pension financing, identifying practical pain points in the pension financial service sector [1]. Group 2: Recommendations and Case Studies - The white paper provides four targeted recommendations based on judicial practice and industry conditions to address the identified issues in pension financial services [1]. - Five typical cases were reported during the press conference, covering various types of disputes such as property damage compensation, life insurance contracts, service contracts, and tort liability, which reveal common legal controversies and clarify corresponding adjudication rules and behavioral guidelines [1].