Core Insights - Agricultural Bank of China (ABC) Shanghai Branch is pioneering in the elderly finance sector, establishing various innovative financial products and services to meet the needs of the aging population [1][7] Group 1: Innovations in Elderly Finance - ABC Shanghai Branch has launched specialized loan products, such as the "Elderly Batch Loan," to address financing challenges faced by elderly care institutions, with a single credit limit of up to 10 million yuan [2][3] - The bank has successfully provided a total of 25 million yuan in working capital loans to a corporate group and its affiliated care stations, demonstrating its commitment to supporting the elderly care industry [3] - The establishment of the "Elderly Finance Center" and the "Elderly Finance Innovation Laboratory" reflects the bank's focus on integrating academic research with practical applications in elderly finance [7] Group 2: Service Models and Digital Solutions - ABC Shanghai Branch has developed a comprehensive digital management platform for elderly care institutions, enhancing operational efficiency and service quality through features like online signing and elder assessments [5] - The bank has created several industry-first models, including the first online smart elderly care ecosystem and the first community bank focused on elderly finance, setting benchmarks for the industry [5][6] - The bank's initiatives have led to a significant increase in its elderly finance service metrics, with over 10 billion yuan in elderly industry loans and more than 300 billion yuan in occupational pension custody [7]

在积极应对人口老龄化的背景下，养老金融不仅是应对社会变革的战略选择，更是服务国家发展大局、 实现金融高质量发展的重要命题。上海是我国人口老龄化程度最高的城市之一，日益增长的养老需求已 逐渐成为社会焦点。 具体来看，发力金融服务与养老服务的深度融合正成为当前金融机构养老金融布局中的一个重要破局方 向。此外，多方共建也为构建多层次、多元化的养老生态圈形成新的合力。而银行作为金融机构，更大 的优势还在于对产业的金融赋能和对普惠服务的金融助力。"多箭齐发"下，交行养老金融生态"上海样 本"再升级。 在"养"方面，上海地区交行客户可通过交行小程序"乐龄健康"板块预约国融乐养的居家专护、健康助浴 等服务，由专业机构提供8小时/24小时居家陪护，涵盖生活照料和健康护理，定制个性化健康管理方案 以及特定疾病的专科专病护理。还可以建立线上健康档案，开展健康评估，特别针对营养和睡眠管理， 实现线上评估和健康数据跟踪提醒，实现全面健康管理。 上海银发人群有哪些具体需求？金融服务又怎样与养老生活深度融合？作为唯一总部在沪的国有大型商 业银行，交通银行给出的答案是，围绕上海银发人群的"医、食、住、行、游、养、学"等核心生活场 景，积极 ...

积极应对我国人口老龄化，事关国家发展全局和亿万百姓福祉。交通银行作为国有大型银行，积极践行 金融工作的政治性、人民性，建立了跨领域、跨客群、跨年龄段的养老金融服务体系，为建设老年友好 型社会、发展中国式养老事业贡献金融力量。 构建老年友好型社会，是全面推进中国式现代化建设的重要目标。交行以"打造长者友好型银行"为养老 金融发展愿景，围绕不同年龄段长者客群的差异化需求，从产品、服务等五方面入手，助力长者客群实 现财富稳健增值、生活品质提升，成为长者客群全生命周期值得信赖、喜爱和托付的金融伙伴。 产品友好。构建覆盖储蓄、理财、保险、基金、信托等全谱系养老金融产品体系，满足长者客群支付结 算、财富管理、消费支持、财富传承需求。以丰富的健康管理、医疗护理、文娱旅游等特色权益，提升 对品质养老生活的保障。 服务友好。打造助老敬老服务文化氛围，让长者客户感受尊重和关怀。优化提升长者服务规范，简化优 化业务流程，体现孝老、亲老、敬老的价值理念，为长者提供高质量、有温度的金融服务。 队伍友好。培育"养老财富规划师"和网点"养老顾问"两支队伍，建强养老财富规划、产品配置专业能 力，提供社会保障、惠老政策等方面咨询服务。 生态友 ...