新华财经北京12月9日电（记者吴丛司）养老金融作为金融"五篇大文章"之一，正迎来前所未有的发展机遇。面对2035年我国60岁以上人口将突破4亿、银 发经济规模有望达30万亿元的未来，银行业如何把握个人养老金全面实施、养老理财试点扩容等政策红利，在养老金金融、养老服务金融、养老产业金融 三大领域精准布局，成为行业关注焦点。 近日，光大银行副行长齐晔接受记者专访时指出，养老金融不仅关乎银行业务增长，更承载着实现老有所养的社会期望。随着老龄化进程持续加速，银发 经济需求将变得更加迫切和刚性，打通养老资金长期保值增值与养老金融产品服务有效供给的闭环，已成为行业发展的关键课题。 三大领域重构养老金融蓝图 今年以来，养老金融政策密集落地，为行业发展注入新动能。国家金融监督管理总局10月30日发布《关于促进养老理财业务持续健康发展的通知》，不仅 打破养老理财产品试点地域限制，更在机构准入、规模上限、产品设计等方面升级；国家金融监督管理总局3月发布《银行业保险业养老金融高质量发展 实施方案》，对银行保险机构参与养老体系建设提出明确要求。 国家金融监管总局局长李云泽在2025陆家嘴论坛上曾表示，银发经济方兴未艾，养老金融大有可 ...

聚焦"享老"新需求 人口老龄化是我国全面建设社会主义现代化国家新征程的基本国情，也是推进中国式现代化必须面对的 重大课题。在此背景下，发展养老金融不仅是国家战略的重要部署，更是金融机构践行人民性、赋能美 好生活的必然使命。 11月21日，由中信银行主办、新华网承办的第三届"信·新"品牌高质量发展论坛在北京举办。其间，中 信银行正式宣布对"幸福+"养老金融服务体系焕新再升级，以更懂客户的养老账本、更前瞻的投教工具 和更专业的队伍服务，积极构建覆盖全生命周期的养老保障体系，为我国养老金融高质量发展注入新动 能。 作为国内较早布局养老金融的商业银行，中信银行历经多年探索，养老金融服务体系日臻完善。2009年 围绕客户全生命周期养老需求布局，推出国内首张老年专属借记卡"幸福年华卡"；2019年与中国老龄协 会建立战略合作关系；2022年推出涵盖"一个账户、一个账本、一套产品、一套服务、一支队伍、一个 平台"六大支撑的"幸福+"养老金融服务体系，首创"养老账本"一站式养老规划服务平台、组建首支养老 金融规划师队伍；2023年首创"三分四步"全生命周期财务规划方法论，举办首届养老金融论坛，相关成 果获评服贸会服务示范案例 ...

人口老龄化是我国全面建设社会主义现代化国家新征程的基本国情，也是推进中国式现代化 必须面对的重大课题。在此背景下，发展养老金融不仅是国家战略的重要部署，更是金融机 构践行人民性、赋能美好生活的必然使命。 11月21日，由中信银行主办、新华网承办的第三届"信·新"品牌高质量发展论坛在北京举 办。其间，中信银行正式宣布对"幸福+"养老金融服务体系焕新再升级，以更懂客户的养老 账本、更前瞻的投教工具和更专业的队伍服务，积极构建覆盖全生命周期的养老保障体系， 为我国养老金融高质量发展注入新动能。 作为国内较早布局养老金融的商业银行，中信银行历经多年探索，养老金融服务体系日臻完 善。2009年围绕客户全生命周期养老需求布局，推出国内首张老年专属借记卡"幸福年华 卡"；2019年与中国老龄协会建立战略合作关系；2022年推出涵盖"一个账户、一个账本、 一套产品、一套服务、一支队伍、一个平台"六大支撑的"幸福+"养老金融服务体系，首 创"养老账本"一站式养老规划服务平台、组建首支养老金融规划师队伍；2023年首创"三 分四步"全生命周期财务规划方法论，举办首届养老金融论坛，相关成果获评服贸会服务示 范案例；2024年举办首 ...

Group 1 - The article introduces the concept of "Pension Ledger," which helps individuals plan their retirement funds by presenting current pension assets and estimating future pension income [2][3]. - It outlines the three pillars of pension funding: the first pillar is social security pensions, the second pillar includes enterprise or occupational annuities, and the third pillar consists of personal pensions [3][5]. - The article emphasizes the importance of understanding the total pension assets and the estimated monthly pension income from all three pillars combined [3][5]. Group 2 - The article provides a guide on how to experience the new "Pension Ledger" through a QR code for immediate calculation of retirement benefits [2][3]. - It details the potential rewards for individuals who open and contribute to personal pension accounts, including bonuses for first-time deposits and referral incentives [6][7]. - The article promotes specific investment products aimed at enhancing retirement savings, including low and medium-risk funds available through the bank [6][8].

Group 1 - The core viewpoint of the articles emphasizes the importance of integrating health management with financial planning, as health investment becomes a consensus among the public [1][2] - CITIC Bank launched the "Time of Trust: Health Season" online event to address health and wealth management concerns, focusing on scientific weight loss and financial planning [1] - The bank plans to continue its "Time of Trust" series with future events covering workplace health, medical insurance, and rehabilitation, aiming to provide professional healthcare services to clients [1] Group 2 - CITIC Bank has established itself as a pioneer in pension finance, continuously upgrading its "Happiness+" pension financial service system based on a full lifecycle concept [2] - The bank introduced the "Happiness+" pension ledger, utilizing big data algorithms for visual and actionable pension planning, including financial and non-financial asset aggregation [2] - To address the limitations of medical insurance reimbursement, CITIC Bank enhanced the medical health module of the pension ledger, advocating for a comprehensive health protection strategy [2]

Core Viewpoint - The article highlights the comprehensive efforts of CITIC Bank Shenzhen Branch in enhancing the pension financial services, particularly through the "Happiness+" brand, to support the aging population in Shenzhen as the city celebrates its 45th anniversary as an economic special zone [1][2]. Group 1: Pension Financial Services Development - CITIC Bank Shenzhen Branch has opened over 100,000 personal pension accounts, significantly improving the coverage rate of the third pillar of pension [1]. - Since 2024, the branch has organized over 600 pension financial theme activities, contributing to the high-quality development of the pension industry and enhancing the well-being of residents [1]. Group 2: "Six Ones" Service System - The bank has established a "Six Ones" service system, which includes "one account, one ledger, one set of products, one set of services, one team, and one platform," to simplify pension planning for clients [2]. - The intelligent "pension ledger" and "asset planning system" are key digital tools that support this service model, allowing for comprehensive pension solutions tailored to client needs [2]. - Approximately 10,000 clients have received professional pension planning reports through this system, helping families build a solid financial foundation [2]. Group 3: Comprehensive "Age-Friendly" Ecosystem - CITIC Bank Shenzhen Branch focuses on building a professional team for pension financial services, ensuring 100% coverage of pension policy knowledge among employees through training programs [3]. - The branch has implemented "age-friendly" renovations in its service outlets, equipping them with necessary facilities and creating spaces that cater to the needs of elderly clients [3]. - The digital platform supports intelligent systems for account management and planning, enhancing the overall service experience [3]. Group 4: Community and Industry Integration - The bank actively engages in community service, conducting various activities such as financial fraud awareness sessions for the elderly and organizing immersive experiences in pension communities [4]. - CITIC Bank provides comprehensive credit support to medical and rehabilitation institutions in Shenzhen, facilitating the stable development of the industry [5]. - The bank has introduced an integrated trust pension service that combines banking, insurance, trust, and industry, addressing key client needs for professional fund management and wealth transfer [6].

Core Viewpoint - The article emphasizes the importance of providing comprehensive and warm financial services for the elderly in Shenzhen, particularly through the "Happiness+" pension financial brand of CITIC Bank Shenzhen Branch, which aims to enhance the quality of life for retirees and contribute to the city's development [1][2]. Group 1: Pension Financial Services - CITIC Bank Shenzhen Branch has opened over 100,000 personal pension accounts, significantly improving the coverage of the third pillar of pension [1]. - Since 2024, the bank has organized over 600 pension financial theme activities, contributing to the high-quality development of the pension industry and enhancing residents' welfare [1][2]. Group 2: "Six Ones" Service System - The bank has established a "Six Ones" service system, which includes "one account, one ledger, one set of products, one set of services, one team, and one platform," to simplify pension planning for clients [2]. - The intelligent "pension ledger" and "asset planning system" are key components of this system, providing clients with comprehensive pension solutions [2]. Group 3: Professional and Accessible Services - CITIC Bank focuses on cultivating a professional team for pension financial services, ensuring 100% coverage of pension policy knowledge among employees [3]. - The bank has implemented "age-friendly" renovations in its branches, equipping them with necessary facilities for the elderly, such as reading glasses and wheelchairs [3]. Group 4: Technological Empowerment - The bank has developed an intelligent "pension ledger" and "asset planning system" to enhance online and offline service integration, providing clients with efficient account management and planning tools [4]. Group 5: Community Engagement and Ecosystem Building - CITIC Bank actively engages in community services, conducting various activities to promote financial literacy among the elderly and enhance the warmth of financial services [5]. - The bank is extending its pension financial services by linking with medical and rehabilitation institutions, offering customized financial planning services for corporate pension clients [6]. Group 6: Innovative Business Models - The bank has introduced an integrated trust pension service model that combines insurance, trust structures, and pension services, addressing clients' needs for professional management of pension funds and wealth transfer [6]. - CITIC Bank is redefining its role in the pension sector as a comprehensive partner rather than just a product seller, actively promoting innovative products like smart elderly communities and long-term care insurance [6].

Core Viewpoint - The article highlights the efforts of CITIC Bank Shenzhen Branch in enhancing the quality of elderly care services through its "Happiness+" pension financial brand, aiming to provide a comprehensive and warm service system for the aging population in Shenzhen, coinciding with the 45th anniversary of the Shenzhen Special Economic Zone [1][4]. Group 1: Service System Development - CITIC Bank Shenzhen Branch has established a "Six Ones" service system, which includes "one account, one ledger, one set of products, one set of services, one team, and one platform," to simplify pension planning for residents [1][3]. - The bank has opened over 100,000 personal pension accounts, significantly increasing the coverage of the third pillar of pension [1]. - Since 2024, the bank has organized over 600 pension financial theme activities, contributing to the high-quality development of the pension industry and improving residents' welfare [1][2]. Group 2: Digital Tools and Professional Services - The bank has developed an intelligent "pension ledger" and "asset planning system" to provide clients with comprehensive pension solutions, combining professional tools with banking services [2][3]. - Approximately 10,000 clients have received professional pension planning reports through this system, helping families establish a solid financial foundation for retirement [2][3]. Group 3: Elderly-Friendly Ecosystem - CITIC Bank Shenzhen Branch is building a comprehensive "elderly-friendly" service ecosystem by focusing on professional talent development, enhancing service environments, and leveraging technology [3][4]. - The bank has trained its staff in pension policies and has renovated its branches to meet the needs of elderly clients, including the installation of facilities like reading glasses and wheelchairs [3][4]. Group 4: Community Engagement and Industry Integration - The bank actively engages with the community by providing various services, such as financial education for the elderly and organizing immersive experiences in pension communities [4][5]. - CITIC Bank Shenzhen Branch is extending its pension financial services by linking with healthcare and rehabilitation institutions, offering customized financial planning services, and innovating a comprehensive trust pension service model [5][6]. - The bank is redefining its role in the pension sector from a mere product seller to a comprehensive partner throughout the entire pension lifecycle [5].