助力养老金融降成本降门槛 截至2024年末，我国60周岁及以上老年人口31031万人，占总人口的22.0%；全国65周岁及以上老年人 口22023万人，占总人口的15.6%。人口老龄化已成为今后较长一段时期我国基本国情。 在中央金融工作会议提出的"五篇大文章"中，养老金融被赋予服务国家战略、增进民生福祉的重要使 命。随着人口老龄化加速，老年群体对专业化、精准化养老金融服务需求愈发迫切。 我国人口老龄化进程加速，养老服务需求日益多元化，养老金融作为保障老年人生活质量、支撑养老体 系建设的关键领域，其普惠化、智能化发展成为行业焦点。当前，人工智能技术正深度融入养老金融全 链条，为破解服务门槛高、覆盖范围窄、数据支撑弱等痛点提供新解法。9月13日，2025年中国国际服 务贸易交易全球养老金融大会在首钢园举行，与会嘉宾热议人工智能如何激活养老金融潜能，为行业发 展贡献真知灼见。 AI模型开发需要海量数据，金融是数据密集型行业，金融数据有效价值取决于真实性和有效性。 然而，当前在金融行业，数据共享方面存在明显短板。中国银行原行长李礼辉在演讲中分析，当前公共 数据还存在局部行政分割问题，有些数据分散在有关部门中，难以走出 ...

Group 1 - The core event is the "Integration Development Conference of Travel, Health Care, and Silver Economy" held in Harbin on August 4, 2025, highlighting the focus on the aging population and related financial services [2] - SPD Bank's Harbin branch has established the first pension financial studio in Heilongjiang Province and signed a strategic cooperation agreement with Harbin Senior University to integrate finance with elderly education [2][3] Group 2 - SPD Bank aims to contribute to the high-quality development of the silver economy in Heilongjiang Province through various initiatives, including promoting personal pension business and providing personalized services to protect investors' rights [3] - The bank is committed to enhancing elderly financial services by implementing user-friendly measures such as priority processing, comprehensive service, and remote assistance [3] - SPD Bank offers one-stop pension planning services, utilizing financial consultants to help the elderly achieve financial independence in retirement through intelligent financial analysis [3] - The bank emphasizes the importance of safeguarding pension funds by promoting financial literacy and awareness against fraud and illegal fundraising [3] - SPD Bank is enhancing collaboration with the Harbin Social Security Center to provide one-stop services for banking and social security, with 10 branches already offering these services [3]