转自：新华财经 12月26日，北京农商银行与海淀区民政局"聚力同行・悦享银龄"战略合作协议签约仪式在中关村展示中心会议中心举行。 海淀区人民政府副区长林航，北京农商银行行长助理魏广慧出席活动并致辞。海淀区民政局副局长赵迎春，海淀区地方金融管理局副局长李振宇，海淀区养 老服务管理协会副会长简晓慧，海淀区29个街镇、75家养老机构共同见证这一重要时刻。 深化结对共建，打造"金融+养老"一站式服务场景。本次合作推动银行网点与街镇、养老服务驿站开展体系化结对共建。通过整合行政组织力（街镇）、社 区服务力（驿站）与专业金融力（银行网点），打破传统服务壁垒，构建起覆盖全区、纵深到底的"金融+养老"一站式服务网络，让老年人在"家门口"即可 享受暖心服务。 设立"双官"机制，推动服务与民生深度融合。创新推出"金邻推荐官"与"海淀食堂体验官"双角色机制，邀请老年客户担任，促进金融服务与社区生活场景有 效衔接。"双官"既是金融服务的"贴心推荐者"，也是助餐服务的"体验监督者"，实现"助餐+助融"的闭环服务。 北京农商银行海淀支行、海淀新区支行、四季青支行3家海淀区域支行在海淀区深耕五十余载，持续深化为老服务，累计发放养老助残卡超 ...

人口老龄化背景下，养老金融服务已成为关乎民生福祉、社会和谐的重要课题。高质量的养老金融不仅 是财富的守护，更是晚年幸福的底气，承载着老年人对美好生活的向往。作为金融服务民生的践行者， 兴业银行北京分行主动扛起社会责任，精准锚定银发族金融需求，以"专业+温度"为核心，构建多元化 敬老服务体系，让金融服务既护好"钱袋子"，又温暖"心窝子"，为老年群体的幸福晚年保驾护航。 奥森健步走 运动里藏着金融"干货" 11月10日，奥林匹克森林公园迎来了一群精神矍铄的身影——花园路支行组织多位老年客户开展健步走 活动。支行工作人员全程贴心陪护，沿途递水引路，反复叮嘱"慢步赏景，注意脚下安全"。秋阳洒在金 黄的落叶上，老人们或结伴闲谈，或驻足拍照定格美景，全部顺利完成5公里，更收获了支行定制的奖 牌。 社区反诈行 开户过程中，人脸识别环节遇到了问题——因老人是躺卧姿势，系统多次验证失败。为不打扰老人休 息，工作人员耐心在床边不断调整设备角度、优化光线条件，经过多次尝试，最终顺利完成操作。 在合影确认环节，为保障流程合规、影像清晰，工作人员用牙齿咬住工牌挂绳固定证件，双手稳持设备 完成拍照流程。专业又暖心的服务，让老人家属深受感 ...

"十四五"以来 英大集团党委以习近平新时代中国特色社会主义思想为指导 在国家电网公司党组的正确领导下 深刻把握金融工作的政治性、人民性 紧紧围绕服务实体经济、防控金融风险、深化金融改革三项任务 坚持"根植主业、服务实业、以融强产、创造价值"的发展定位 统筹"稳经营、强监管、调结构、优治理、防风险" 稳中求进推动国网金融事业高质量发展 走出了一条具有央企特色的产融结合发展之路 为国家电网公司和电网高质量发展提供了有力金融支撑 2023年，中央金融工作会议指出，要做好科技金融、绿色金融、普惠金融、养老金融、数字金融五篇大 文章，为加快建设金融强国、推动金融高质量服务实体经济指明了前进方向、提供了根本遵循。 英大集团积极响应国家战略号召，深入贯彻落实中央金融工作会议精神，践行央企金融责任担当，坚持 走中国特色产融结合发展道路，率先布局、聚势突破，打造金融"五篇大文章"实践样板，为服务实体经 济高质量发展提供有力支撑。 做专科技金融 科技创新是经济社会发展和增强国际竞争力的核心驱动力。英大集团服务科技自立自强向新求质，统筹 运用股权、债权、保险、资管协同等手段，为科技企业提供全链条、全生命周期的金融服务，以金融活 水 ...

Core Viewpoint - The "migrant bird economy" is becoming a new engine for consumption in southern regions of China, particularly during winter, but it also reveals significant issues such as consumption traps for the elderly and imbalances in medical resource supply and demand [3][19][20]. Group 1: Economic Growth and Trends - The "migrant bird economy" has led to a notable increase in demand for winter travel and health monitoring packages, with a 35% year-on-year increase in bookings for Yunnan routes [16][18]. - The number of enterprises related to the "migrant bird economy" has exceeded 75,000, with approximately 13,000 new registrations since 2025, reflecting a 2.5% year-on-year growth [18]. - The integration of services in the industry has expanded from simple accommodation to a comprehensive model that includes travel, living, health, and entertainment [18]. Group 2: Challenges and Risks - The industry faces structural challenges, including regulatory bottlenecks, inconsistent service quality, and a lack of mental support for the elderly [19][20]. - Data shows that 4.4% of related enterprises have experienced operational anomalies, and 2% have faced legal disputes, highlighting the risks in the sector [19]. - The elderly population often encounters issues with misleading advertisements and inadequate service delivery, which can infringe on their rights [19][20]. Group 3: Recommendations for Improvement - To enhance the "migrant bird economy," collaboration among government, enterprises, and society is essential to establish a robust support system [22][23]. - There is a need for standardized regulations and improved oversight to ensure the quality of services provided to the elderly [22]. - The establishment of a credit system and industry standards is underway in various regions to address existing challenges and improve service quality [22].

Core Insights - The UNDP has released three reports on China's silver economy, emphasizing the importance of high-quality development in creating an inclusive and sustainable aging society [1][2] - The reports analyze the construction of the elderly care service system, financial empowerment, and the multidimensional vulnerabilities of the elderly population [1] Group 1: Reports Overview - The report "Improving the Elderly Care Service System through Silver Economy Development" highlights the critical role of a robust elderly care service system in addressing aging challenges and the key role of the silver economy in expanding high-quality elderly care services [1] - "Financial Empowerment of China's Silver Economy: Promoting Inclusive and Sustainable Development in an Aging Society" identifies key investment opportunities in China's elderly care industry, including smart devices and home modifications for the elderly, using the SDG Investor Map methodology [1] - "Research on the Multidimensional Vulnerabilities of China's Elderly Population" systematically assesses the overall well-being of the elderly based on the UNDP's multidimensional vulnerability analysis framework [1] Group 2: Event Highlights - The event was hosted by the UNDP and supported by Industrial Securities Co., Ltd., featuring constructive discussions on the development paths of the silver economy [1][2] - Key speakers emphasized that appropriate policy guidance and effective financing mechanisms can transform the challenges of population aging into opportunities for inclusive growth [2] - The event included two thematic discussions focusing on creating a high-quality, inclusive elderly care service ecosystem and exploring sustainable pension financing pathways, with participation from experts in finance and elderly care services [2]

Core Viewpoint - Dongming Rural Commercial Bank is committed to safeguarding the financial rights of the elderly, enhancing their sense of security and accessibility to financial services through diversified pension financial service initiatives [1] Group 1: Promotion of Financial Knowledge - The bank utilizes its branches as primary venues for promoting financial knowledge, engaging directly with elderly clients to educate them on account security and fraud prevention [2] - Staff members provide face-to-face communication to enhance the elderly's awareness of financial risks and their rights, using various promotional materials to facilitate understanding [2] - The bank organizes concentrated promotional activities to explain common forms of telecom fraud and preventive measures in simple language, helping elderly clients recognize and avoid financial risks [2] Group 2: Accessibility of Services - Recognizing the mobility challenges faced by elderly clients in rural areas, the bank conducts "Financial Knowledge Night School" sessions in villages to provide financial consulting services [3] - A specialized financial service team has been established to offer personalized services, including home visits, to assist elderly clients with their financial needs [3] - The bank has completed over 2,800 personalized service visits, effectively addressing the last-mile service challenges for elderly clients in rural areas [3] Group 3: Complaint Handling and Service Improvement - The bank emphasizes the importance of handling complaints from elderly clients by establishing a closed-loop management mechanism for complaints [4] - Staff analyze the root causes of complaints to improve internal processes and service quality, thereby enhancing customer satisfaction [4] - Future plans include continuous innovation in promotional methods and service offerings to better meet the financial needs of the elderly, positioning the bank as a reliable financial steward for this demographic [4]

Core Viewpoint - Construction Bank's Sichuan Branch launched its first "Elderly Day" series of activities across 13 cities in the province, focusing on providing financial knowledge and health care services to approximately 600 elderly individuals [1][2][4] Group 1: Event Overview - The "Elderly Day" event was themed "Beautiful Years, Accompanied by Sincerity," and involved 22 selected model outlets to address high-frequency needs of the elderly, such as medical appointment tips and financial management [1][2] - The event received enthusiastic responses from the elderly community, highlighting the importance of tailored services [2] Group 2: Specific Activities - In Guangyuan, a customer meeting was organized to clarify social security card upgrades and pension rights, receiving positive feedback for its accessible service [2] - In Luzhou, a collaboration with a local dental hospital provided oral care education to elderly residents in a welfare home, showcasing the bank's commitment to community care [2] - In Chongzhou, a fraud prevention class was conducted for over 200 elderly individuals, teaching practical tips to avoid scams and distributing informational materials [3] Group 3: Future Plans - The Sichuan Branch plans to establish the "Elderly Day" as a regular service mechanism, aiming to expand its elderly care activities across more outlets in the province [4] - The bank intends to enhance its elderly financial services by broadening its product offerings and optimizing service processes to meet diverse needs [4]

Group 1 - The Shandong provincial government is enhancing financial services for the elderly care industry and silver economy, focusing on supply-demand alignment as a key premise for implementing financial support policies [1] - Significant events include the successful hosting of the 6th Multinational Company Leaders Qingdao Summit Silver Economy Forum, which attracted over 170 representatives and promoted more than 30 major silver economy projects [1] - The "Lule Qiu'an" shopping season was launched to boost consumption in elderly services, with over 20 financial institutions and numerous enterprises participating, resulting in a total demand for working capital loans of 17.19 billion and project loans of 48.63 billion [1] Group 2 - A meeting was held to discuss the insurance industry's role in supporting the elderly care sector, emphasizing collaboration among civil affairs departments, insurance companies, regulatory bodies, and academic experts [2] - The "Five Ones" action plan was initiated to enhance financial support for elderly services, leading to the engagement of 2,139 enterprises, with 429 having financing needs totaling 37.688 billion [2] - Pilot projects are underway in five cities to improve financial services for elderly care, with specific initiatives including the issuance of 83 million in local government bonds and loans provided to three elderly care institutions [2] Group 3 - The 10th China Shandong (Qingdao) International Health and Wellness Industry Expo was guided, featuring over 300 exhibitors and attracting more than 28,000 visitors, with an intended transaction amount of 39 million [3]

Core Viewpoint - Ping An Bank's Shanghai branch is committed to enhancing its credit investment and service capabilities to support the real economy, reflecting its role in Shanghai's high-quality development [1][3]. Group 1: Financial Strategy and Innovation - The bank focuses on being a partner in technological innovation, assessing not just collateral but also the technological potential and market prospects of enterprises [4]. - It aims to serve as a bridge for internationalization, leveraging Shanghai's status as an international financial center to provide convenient cross-border financial services [4]. - The bank positions itself as a "booster" for industrial upgrades, integrating its understanding of supply chains and green finance into its services [4]. Group 2: Organizational Reform - Ping An Bank has implemented a "stronger branch" strategy, enhancing the autonomy and comprehensive service capabilities of its branches [5]. - The bank has restructured its organizational form from "individual efforts" to "team operations," resulting in the establishment of 29 comprehensive branches, which have seen a 17.5% increase in annual revenue and a 13.5% growth in loan and deposit scale compared to the previous year [5]. - Management mechanisms have been reformed to allow for differentiated resource allocation based on the diverse market levels in Shanghai, fostering a shift from "I have to develop" to "I want to develop" [5]. Group 3: Financial Services and Market Positioning - The bank emphasizes a systematic and ecological approach to financial services, particularly in supporting new quality productivity, which is characterized by internationalization and high standards [7][8]. - It aims to be a key player in the construction of Shanghai's international financial center, acting as a converter between national strategies and market demands [8]. - The bank's strategic roles include being an executor of institutional openness, a participant in the construction of the "Shanghai price" system, and a strategic connector for dual circulation [8].

Core Viewpoint - The establishment of a strong financial culture rooted in Chinese characteristics is essential for the development of a financial powerhouse, emphasizing the importance of integrating traditional culture into modern financial practices [1][2]. Financial Culture Development - The Qingdao Branch of Bank of Communications emphasizes the cultivation and promotion of Chinese financial culture as a key task, integrating it into all aspects of its operations [2][3]. - The bank's leadership prioritizes the establishment of a unified leadership structure to enhance compliance and governance, ensuring adherence to laws and regulations [2][3]. Compliance and Risk Management - The bank has made compliance culture a top priority, conducting extensive education and training on internal controls and compliance, fostering a culture of compliance among all employees [3][4]. - Regular analysis of typical cases and the creation of warning materials are employed to educate employees on correct operational and risk perspectives [4]. Innovation and Service Quality - The bank focuses on "guarding integrity while innovating," ensuring that financial services remain grounded in real economic needs while continuously innovating products and services [5][6]. - As of August, the bank's loans to technology enterprises reached 24.987 billion, with a year-to-date increase of 4.418 billion, reflecting a growth rate of 21.48% [6]. Green and Inclusive Finance - The bank actively supports green finance initiatives, with green loan balances exceeding 32 billion as of August, and is involved in projects that integrate clean energy with modern agriculture [7]. - The bank's inclusive finance strategy has resulted in a 27% increase in inclusive loans, demonstrating its commitment to supporting small and micro enterprises [8]. Rural and Elderly Financial Services - The bank has tailored its services to support rural revitalization, with agricultural loans increasing by over 10% year-to-date, significantly outpacing other loan categories [8]. - The bank has developed a comprehensive pension financial service system, opening 344,600 personal pension accounts and increasing loans to the elderly care industry by over 83% [12]. Digital Financial Services - The bank enhances customer experience through digital financial services, including the establishment of a comprehensive online platform for public services, facilitating over 80 self-service transactions [9]. - The bank has implemented a leading digital RMB payment system, expanding its application scenarios in the local economy [9]. Commitment to Social Responsibility - The bank adheres to the principle of "finance for the people," serving nearly 4.95 million citizens, which is about 50% of the local population, and has been recognized for its consumer rights protection efforts [11][13]. - The bank has introduced innovative services for flexible employment and retirement, receiving national recognition for its contributions to social security [12].