江苏金融监管局强化牵头统筹，持续完善"大消保"工作格局，牵头建立辖区金融消费者权益保护工作协调机制，组织召开联席会议，强化部门协同与信息 共享。会同省公安厅开展金融领域"黑灰产"违法犯罪集群打击行动,聚焦不法贷款中介、非法代理维权等重点，加强刑事打击与行业监管的多元共治。通 过线索摸排、数据建模，提升精准打击力度，向公安机关移交线索数百条，全省公安机关立案数十起。江苏省保险行业协会发布《江苏保险业打击非 法"代理退保"黑灰产典型案例汇编》，推动行业协同共治。 江苏金融监管局持续推进养老金融服务提升。截至2025年6月末，江苏个人养老金保险保费收入13.66亿元，承保11.01万人；商业养老金业务累计开立账户 8.07万户，存量规模58.54亿元；全省建成养老社区7个，运营床位4090个。指导银行提升外籍来华人员金融服务。推动外资银行主动接入支付宝、微信、 银联云闪付等国内电子支付工具，为境外来华人员开立数字人民币钱包服务，实现人民币 I 类账户结算。鼓励银行开发双语购汇、小程序查询、线上预 约、批量办理等多项功能。引导银行在网点摆放多语种宣传资料，升级柜面证件读取机具功能，支持使用新、旧版外国人永久居留身份证 ...

Core Insights - The Chinese government has issued comprehensive guidelines for the development of elderly care services, emphasizing a sustainable and inclusive system that focuses on the care of disabled elderly individuals [1] - Significant achievements in China's pension finance include the establishment of a robust policy framework and the development of a multi-tiered pension insurance system [2][3] - Financial institutions are increasingly supporting the silver economy, with various pension financial products being introduced to meet the diverse needs of the elderly population [4] Policy Framework and Achievements - The implementation of policies in the pension finance sector has been proactive, with multiple regulations introduced to enhance the quality of pension services [2] - The multi-tiered pension insurance system has stabilized, with the first pillar covering nearly 1.1 billion people, while the second and third pillars are gradually expanding [3] - As of May 2025, the personal pension product market has reached nearly 50 billion yuan, with over 1,000 different products available [3] Financial Support and Market Dynamics - Financial institutions are actively developing products tailored to the elderly, with notable growth in pension fund management and innovative financial services [4] - The elderly population is increasingly seeking diverse and personalized financial products, moving away from traditional savings methods [5] Challenges in Pension Finance - The imbalance in the three pillars of pension insurance indicates that the third pillar's role needs enhancement, as many individuals rely solely on the basic pension [6][7] - The phenomenon of "high account openings but low contributions" in the third pillar highlights the need for improved engagement and incentives for personal pension savings [8] - Regional disparities in pension resources and funding allocations between eastern and western China reveal significant imbalances in support for elderly care [9] Product Development and Innovation - The current pension products are often homogeneous, lacking innovation and tailored solutions for different demographics [10] - There is a widening gap in pension savings between high-income and low-income groups, necessitating targeted financial products for diverse income levels [11] Recommendations for Improvement - The industry should focus on creating a more inclusive and diversified range of pension products that cater to various needs and preferences [14][15] - Enhancing direct financing support for the silver economy can facilitate the growth of businesses catering to elderly care [17] - Emphasizing the role of insurance in providing comprehensive elderly care solutions can improve the overall effectiveness of the pension finance system [18]

作为2023年开始试点的新型商业养老保险业务，商业养老金业务正取得快速发展。 在4家参与试点的养老保险公司中，国民养老保险股份有限公司(简称"国民养老")颇受市场关注。作为 2022年成立的最新养老险公司，国民养老的商业养老金业务账户管理数量及保有规模均居市场前列。 近日，国民养老相关负责人接受证券时报记者专访，阐述了公司对商养业务的理解与定位，并介绍了公 司对此的投入布局和实践进展。 战略发展重点业务 国民养老相关负责人表示，国民养老作为专业的养老金融机构，要贯彻落实积极应对人口老龄化的国家 战略部署。2024年出台的保险业"国十条"、2025年金融监管总局印发的《银行业保险业养老金融高质量 发展实施方案》等，均对发展商业保险年金或商业养老金提出了要求。 "公司高度重视商业养老金业务发展，将其列为战略发展重点领域，在产品研发创新、运营体系优化及 信息系统建设等方面持续加大资源投入。"该负责人介绍，自业务开展以来，国民养老商养业务发展态 势良好，各项经营指标基本符合预期规划。 数据显示，截至2024年末，国民养老管理的商业养老金账户共计43.8万个，2024年度业务销售金额 353.86亿元，两项指标同比增长 ...

中国太平成绩单出炉！投资收益"立功"，寿险新业务价值猛增94.2% "将帅"齐换后，中国太平保险控股有限公司（以下简称"中国太平"）交出了怎样的答卷颇受业内关注。3月24日，中国太平2024年度业绩出炉。数 据显示，2024年中国太平实现保险服务收入1113亿港元，同比增长3.5%。实现净利润84.32亿港元，同比增长36.2%。董事会建议派发截至2024年 12月31日止年度末期股息每股0.35港元。 在中国太平诸多业务版图中，各家子公司均有亮点。其中，太平人寿新业务价值增长明显，太平财险业绩"翻身"。 总投资收益增长98.2% 中国太平净利润大涨背后，投资端"功不可没"。 数据显示，2024年，中国太平实现净投资收益率3.46%；总投资收益率4.57%，同比增加1.91个百分点。从投资收益来看，中国太平2024年实现净 投资收益503.36亿港元，同比增长12%，主要原因为债券利息收入高于上年同期。实现总投资收益665.43亿港元，同比大幅增长98.2%。主要原因 为已实现及未实现资本利得由上年的亏损转为盈利。 中国太平透露，2024年，集团加强权益市场研究，持续提升投资能力，持有的高股息策略品种表现较好 ...