转自：新华财经 1997年7月，国务院出台了《关于建立统一的企业职工基本养老保险制度的决定》，其中提出"加强退休人员社会化管理工作""确保养老金发放"。作为改革 开放的"桥头堡"，上海市政府希望在全国率先实行养老金社会化发放。上海城市合作银行积极争取，承担起了试点任务，成为上海乃至全国首家养老金代发 行。 讲述人：汪剑芳——时任上海城市合作银行个人金融部总经理 一、担重任，从"一张白纸"到"全国首家"，啃下改革"硬骨头" 现在的年轻人可能很难想象，1997年之前，离退休职工的养老金是每月到单位领取的，养老金社会化发放通俗讲就是把"单位管钱发钱"改为"社保管钱、银 行代发"。这不仅能减轻单位的社会事务负担，更能保障离退休人员按时足额领取养老金。但这事儿具体怎么做在全国没先例，上海城市合作银行勇于探索 争先，成了"第一个吃螃蟹"者。 勇挑重担，"市民银行"为市民。对当时我行来说，是否争取这项目，实为重大而艰难的决择：我行成立初期个人客户稀少，养老金代发能快速获得批量稳定 的个人客户群、提升知名度，但每月数十万老人集中领取，将对网点资源和客群结构形成巨大冲击；养老金代发涉及系统改造、网点扩容和柜员增配等大量 投入， ...

Core Insights - Ping An Bank's Shanghai branch has integrated pension finance into its strategic business framework, focusing on enhancing pension financial services and exploring high-quality pension solutions [1][2] - The bank organized a series of public welfare activities themed "Ping An Heart Orange Benefit: Respect for the Elderly," celebrating its 27th anniversary and demonstrating corporate social responsibility [1] - The activities reached various locations in Shanghai, including communities, elderly canteens, nursing homes, and senior universities, combining financial services with humanistic care [1] Summary by Categories Pension Financial Services - The bank aims to expand the coverage of "age-friendly" financial services, innovate service models, and optimize service processes to enhance customer satisfaction among elderly clients [2] - Ping An Bank emphasizes that pension finance is not only about fund management but also reflects the well-being of the populace [2] Community Engagement and Activities - During the public welfare campaign, the bank's branches organized 116 various salon activities, serving over 8,000 elderly clients, which received positive social feedback and high praise from elderly customers and the community [1] - Activities included health lectures, cultural performances, spring outings, poetry recitals, choir competitions, anti-fraud knowledge salons, and movie screenings, aimed at providing warmth and care to the elderly [1]