随着我国人口老龄化进程加快，如何让亿万老年人实现"老有所养"已成为社会关切的问题。近期，《中共中央 关于制定国民经济和社会发展第十五个五年规划的建议》中明确提出，"积极应对人口老龄化，健全养老事业和 产业协同发展政策机制""优化基本养老服务供给"。这一系列顶层设计不仅为老龄事业发展指明方向，更对金融 机构深耕养老金融领域、履行社会责任提出了更高要求。作为金融"五篇大文章"之一，养老金融已成为增强国 民养老保障能力的战略选择和关键支撑。 近年来，中国工商银行北京市分行（以下简称"工行北分"）积极顺应人口老龄化趋势与国家战略导向，以体系 化建设筑牢发展根基，以多层次服务回应民生需求，以创新融合驱动业务升级，全力构建覆盖养老金金融、养 老服务金融、养老产业金融的养老金融生态体系。 构建协同高效组织体系 开拓养老金融发展新局 当前，"银发经济"正以蓬勃之势崛起，逐渐成为我国经济发展的新亮点。作为银发经济的重要组成部分，养老 金融正发挥着越来越重要的支撑作用。对于金融机构而言，想要更好地发展养老金融，健全的组织保障是前 提。 为推动养老金融业务高质量发展、强化服务保障能力，工行北分构建起了独具特色的"3+4+3"养老金 ...

专题：中国社会科学院社会保障论坛暨《中国养老金发展报告2025》发布式 专题：中国社会科学院社会保障论坛暨《中国养老金发展报告2025》发布式 12月6日金融一线消息，中国社会科学院社会保障论坛暨《中国养老金发展报告2025》发布会今日召 开，清华五道口养老金融50人论坛秘书长、清华大学五道口金融学院中国保险与养老金融研究中心首席 专家董克用出席并发表演讲。 董克用阐述了中国式养老金融的 "三分法"：在成熟的国外养老金金融（Pension Finance）的基础上，扩 展到养老服务金融和养老产业金融。 董克用解释，养老金金融聚焦养老金制度安排。老龄化背景下，完全依靠现收现付的第一支柱或纯个人 积累模式均不可行，世界各国已形成多支柱发展的明确路径，有二、三支柱的积累型养老金发展起来， 才有了养老金资产管理。 关于养老服务金融，董克用表示，除了养老金的制度安排与保值增值，老百姓还有多样化养老需求，需 要未纳入一、二、三支柱的金融产品。 而养老产业金融的提出，源于中国老龄化速度快、市场机制与金融体系尚不健全的现实。规模庞大的养 老产业更需要金融支持。。 董克用强调，中国式养老金融应放在银发经济大环境下理解，银行、基 ...

Core Insights - The annual campus recruitment season for major banks has commenced, with six state-owned banks announcing their hiring plans for 2026 aimed at fresh graduates both domestically and internationally [1][2] Group 1: Recruitment Plans - Industrial and Commercial Bank of China (ICBC) plans to recruit approximately 120 individuals, focusing on management trainees, "Artificial Intelligence+" roles, and trading positions [2] - Agricultural Bank of China (ABC) has announced a recruitment plan for 34 positions across its headquarters and branches [2][3] - China Bank is also participating in the recruitment, targeting global candidates for various roles [2] - China Construction Bank (CCB) aims to hire a total of 130 graduates, with 120 for general positions and 10 for the credit card center [3] - Other banks like Bank of Communications and Postal Savings Bank have also initiated their recruitment processes [3] Group 2: Talent Preferences - There is a growing demand for fintech talent as banks continue to emphasize digital transformation, with all six banks offering positions related to financial technology [4] - ICBC has increased its recruitment of technology talent, including roles in system development and data mining [4] - ABC is focusing on fintech roles, with plans to hire 145 for its data center and 215 for its research and development center [4] Group 3: Language and Specialized Roles - China Bank has introduced a special recruitment plan for candidates proficient in less commonly taught languages, reflecting its global operational needs [5] - The recruitment for these language roles includes positions for graduates fluent in German, French, Spanish, and Portuguese [5] - Several banks have set specific language proficiency requirements for applicants, such as CET6 or equivalent scores [5] Group 4: Specialized Recruitment Initiatives - Some banks have launched specialized recruitment initiatives aligned with financial service strategies, such as the "Five Major Articles" recruitment plan by Bank of Communications [6] - China Bank has created a dedicated position for its pension finance center, focusing on pension policy research and market analysis [6]

Group 1: Aging Population Challenge - China is facing an unprecedented aging challenge, with the elderly population aged 60 and above reaching 31.03 million by the end of 2024, accounting for 22.0% of the total population [2] - The elderly dependency ratio for those aged 65 and above is 22.8%, highlighting the increasing social burden and the limitations of traditional family-based care [2] - The transition to a more diversified and multi-layered pension system is urgently needed to address the pressures on public pension systems and the inadequacies of relying solely on government or family support [2][3] Group 2: Economic Implications - China entered an aging society in 2000 and reached a deep aging society by 2021, with the proportion of those aged 65 and above at 14.2% [3] - The acceleration of population aging poses significant challenges to economic development and social stability, with China's per capita GDP at approximately $13,000 when entering moderate aging, compared to higher figures in Japan and South Korea at similar aging stages [3] Group 3: Pension System Structure - The pension system in China consists of three pillars: basic pension insurance, enterprise annuities, and personal pensions, which are crucial for addressing the aging population [4][5] - Predictions indicate that the cumulative balance of urban employee basic pension insurance funds will peak at 6.99 trillion yuan by 2027 and then decline rapidly, potentially exhausting reserves by 2035 [6] Group 4: Financial Support for Aging - The Chinese government has been actively promoting policies to support the development of pension finance, emphasizing the need for a multi-layered pension insurance system [7] - China Merchants Bank is strategically positioning itself in the pension finance sector, offering comprehensive solutions through pension finance, elderly service finance, and pension industry finance [8] Group 5: Service Innovations - China Merchants Bank has established a competitive advantage in the pension finance sector, providing services to over 9,900 enterprises and managing nearly 30 billion yuan in enterprise annuity assets [8] - The bank's initiatives include creating age-friendly banking environments and offering personalized services to elderly clients, demonstrating a commitment to enhancing the quality of life for seniors [9][10] Group 6: Industry Challenges and Opportunities - The pension finance sector in China is still transitioning from its initial phase to maturity, facing challenges such as limited financial support, single financing channels, and long project profitability cycles [7] - The potential of the second pillar of pension finance remains largely untapped, with less than 10% of employees covered by enterprise annuities, indicating significant room for growth [10] Group 7: Societal Impact and Future Outlook - The development of pension finance is crucial for ensuring that every elderly individual can enjoy a dignified and secure retirement, reflecting the societal values of respect and care for the elderly [11] - The balance between efficiency and equity in pension finance is a key challenge, requiring financial institutions to manage risks while ensuring fair access to resources for all elderly individuals [11]