Core Insights - The article emphasizes the importance of pension finance in addressing aging issues, highlighting the role of financial institutions in enhancing service quality and efficiency in Shandong Province [2] Group 1: Pension Finance Development - As of July 2025, the loan balance for the pension industry in Shandong Province reached 15 billion yuan, with a year-on-year growth of 32.3%, surpassing the overall loan growth rate by 23.3 percentage points [2] - The average loan interest rate is 3.85%, which represents a year-on-year decrease of 63 basis points [2] - The People's Bank of China in Weihai has implemented a comprehensive development plan for high-quality pension finance, focusing on enhancing policy implementation and financial product innovation [2][4] Group 2: Innovative Financial Products - The "Pension Institution Operation Loan" is a notable financial product that utilizes "pension bed fee rights" as collateral, showcasing innovation in financing for the pension sector [8] - Weihai Rural Commercial Bank has created multiple loan products, including pension institution construction loans and pension industry loans, to support the entire pension industry chain [8] - As of August 2025, Weihai Rural Commercial Bank has issued 82 million yuan in loans to the pension industry and related enterprises [8] Group 3: Support for Silver Economy - Financial institutions in Weihai are encouraged to increase credit support for upstream industries related to the silver economy, such as elderly products and smart healthcare [9] - Weihai Weigao Medical Equipment Co., Ltd. has received 100 million yuan in credit support from Weihai Bank to enhance its competitiveness in the elderly care sector [12] - The banking sector is developing tailored financial services to support the growth of companies like Weigao, which focus on integrating medical and elderly care services [12] Group 4: Establishing Demonstration Banks - Weihai has initiated a "Silver Age Worry-Free" payment service brand and established a recognition mechanism for pension finance demonstration banks [14] - Eight banks have been recognized as demonstration banks, promoting best practices in pension finance and enhancing service quality for elderly clients [14] - The banks are focusing on creating a comprehensive financial service system tailored to the needs of elderly customers, including specialized teams for pension finance [14][15] Group 5: Comprehensive Service Integration - The article highlights the integration of financial services with lifestyle offerings, such as organizing activities for elderly clients to promote a healthy and diverse retirement life [16] - Banks are developing online and offline services to provide a seamless experience for elderly customers, including dedicated service areas and simplified digital interactions [15][16] - Future plans include expanding the coverage of demonstration banks and enhancing the development of tailored financial products for home and smart elderly care [16]

编者按： 齐鲁晚报·齐鲁壹点记者 黄寿赓 作为金融"五篇大文章"之一，养老金融在应对老龄化过程中，联结着资金端、服务端、产业端，发挥着重要"枢纽"作用。近年来，人民银行山东省分行从细 化完善政策体系、深化部门协作、促进银企对接等方面发力，推动全省养老金融服务质效不断提升。截至2025年7月末，山东省养老产业贷款余额150亿元， 贷款余额同比增长32.3％，高于全部贷款增速23.3个百分点，贷款平均利率3.85％，同比下降63个BP。 数据增长背后，山东多地围绕"养老金融"亮点频出。人民银行滨州市分行制定养老金融"五年行动方案"，开展金融支持养老服务发展"五个一"提升行动，配 套设置5亿元央行资金专项额度，支持金融机构加大对养老产业主体的金融支持。终端、产业、人才……滨州市养老产业全链条"含金量"不断提升。 银行+担保解决"融资难" 9月8日下午，邹平市山东中博养老服务有限公司（简称"中博养老"）内，十几名老人在工作人员统一照护下室外凉憩。步入室内，书画室中，几名老人正在 挥毫，楷书、隶书、行草……一笔一画书写幸福晚年；手工室中，扇子、鞋子、荷包……一针一线织就美好生活。 为这些老人建起温馨港湾的中博养老是一所 ...

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].