二、产品创新"提适配"，满足养老产业特性。针对养老产业"周期长、轻资产、缺抵押"等痛点，指导金 融机构在延长贷款期限、扩大贷款覆盖面、拓展抵质押物范围等方面积极探索，如，指导国开行青岛分 行将养老贷款的期限延长至最长30年；指导省联社创设养老机构建设贷、运营贷等一系列专属信贷产 品，将养老设备、应收账款、床位收费权、知识产权等动产和权利纳入可抵质押范围。目前，相关贷款 已达392笔、8.9亿元；指导工商银行山东省分行在菏泽市创新推出"民政养老贷"，运用民政部门养老机 构评级等信息，为养老机构发放信用贷款。 齐鲁晚报·齐鲁壹点 张如意 实习生 李名洋 11月27日，省政府新闻办举行新闻发布会，邀请中国人民银行山东省分行主要负责同志等介绍山东省金 融服务养老事业和银发经济情况。记者在发布会上了解到，截至10月末，全省累计发放服务消费与养老 产业贷款364.2亿元，申报再贷款77.8亿元，其中，累计发放养老产业贷款61.8亿元，申报再贷款21.1亿 元，政策红利加速释放。 中国人民银行山东省分行党委书记、行长兼国家外汇管理局山东省分局局长曾涛介绍，为落实党中央关 于扩大服务消费、做好养老金融大文章的决策部署，今年5 ...

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]

Group 1 - The core viewpoint emphasizes the importance of pension finance in addressing aging issues, linking funding, services, and industry, with significant growth in Shandong province's pension industry loans reaching 15 billion yuan, a year-on-year increase of 32.3% [2] - Shandong province's pension industry loan balance is higher than the overall loan growth rate by 23.3 percentage points, with an average loan interest rate of 3.85%, down 63 basis points year-on-year [2] - The People's Bank of China in Shandong has implemented a five-year action plan to enhance financial support for pension services, including a special fund of 500 million yuan to boost financial institutions' support for the pension industry [3][7] Group 2 - The case of Zhongbo Pension illustrates the challenges faced by pension institutions, such as a 5 million yuan liquidity gap due to insufficient collateral, which is a common issue in the sector [6] - The successful resolution of Zhongbo Pension's financing needs was achieved through a "bank + guarantee" model, allowing for a 500,000 yuan loan approval in just three working days [6][7] - Another institution, Hanjia Pension, also benefited from tailored financial services, receiving a 200,000 yuan loan with a quick approval process, highlighting the effectiveness of the financial support initiatives [7] Group 3 - The development of various pension service facilities in Binzhou has reached 1,632, including 103 pension institutions with nearly 20,000 beds, indicating a robust growth in the sector [8] - The integration of financial support into the entire pension service chain is crucial, with companies like Xinyue Health covering multiple aspects of the pension industry, including rehabilitation hospitals and health product manufacturing [11] - The establishment of a vocational college for health care in Binzhou aims to address the talent gap in the industry, with a projected investment of 9.75 billion yuan and a funding shortfall of 7.6 billion yuan [12] Group 4 - Financial institutions in Binzhou are actively enhancing their pension service offerings, with initiatives like the "Pension Financial Service Special Zone" and training for pension planners to create a more supportive environment for the elderly [13][17] - Local banks are also focusing on improving payment convenience for seniors, integrating various government services into their platforms to facilitate social security and healthcare payments [18] - The People's Bank of China in Binzhou plans to strengthen collaboration with various departments to leverage direct financing, insurance, and funds to further support the pension industry [18]

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].