Core Viewpoint - The Shanghai Municipal Government has issued a set of measures aimed at enhancing service quality and boosting consumption, focusing on the interconnection between service industries and consumer demand through 28 specific initiatives [1][8]. Group 1: Policy Measures - The measures support the innovation and development of comprehensive platform enterprises, including e-commerce and life service platforms, while promoting specialized consumption platforms in areas such as maternal and child care, housekeeping, and elderly care [1][8]. - The government aims to optimize the automotive loan process by relaxing application conditions and determining reasonable loan issuance ratios, terms, and interest rates [2][9]. - The measures encourage financial institutions to innovate consumer financial services tailored to new consumption characteristics, including holiday, night, nostalgic, and subculture economies [4][10]. Group 2: Financial Support and Infrastructure - There is a focus on enhancing financial support for consumer infrastructure, encouraging financial institutions to back key projects in commercial facilities and community service upgrades [4][10]. - The measures promote the issuance of real estate investment trusts (REITs) for consumer infrastructure and support eligible projects in applying for local government special bonds [4][10]. Group 3: Cultural and Entertainment Sector - The measures aim to invigorate the cultural and entertainment sectors by enhancing the supply of cultural performances and exhibitions, supporting high-level paid exhibitions, and developing cultural products [6][12]. - There is an emphasis on leveraging the spillover effects of sports events by attracting well-known brand events and creating proprietary sports event IPs, with incentives based on the economic impact of these events [6][12]. Group 4: Gaming and Short Video Content - The government plans to promote the development of the gaming and esports industry by establishing a globally influential proprietary event system and supporting high-quality original games and esports projects [7][13]. - Support for the creation of quality micro-short films is included, with initiatives to attract creators and provide rewards for outstanding projects [7][13]. Group 5: Health Services - The measures encourage the development of high-end medical services and diversified health industries, including medical tourism and various health insurance products [7][13].

北京商报讯(记者李秀梅)1月13日，上海市人民政府办公厅发布《上海市促进服务业提质增效和消费提 振扩容联动发展的若干措施》，其中提到，支持保险产品和业务创新，优化升级"沪惠保""沪家保""沪 业保""沪骑保"等"沪"系列普惠保险产品，针对特定群体和服务业小微经营主体加大保险保障力度。丰 富旅游保险、意外伤害保险、健康保险等产品供给，扩大商业健康保险直赔服务覆盖面，逐步实现医保 商保同步结算覆盖上海主要三级医院。积极发展第三支柱养老保险，鼓励开发多元化的个人养老金专属 产品，创新商业养老金产品。 ...

关键词阅读：保险创新 普惠保险 责任编辑：栎树 1月13日，据上海市政府网站，近日上海市政府办公厅印发《上海市促进服务业提质增效和消费提振扩 容联动发展的若干措施》（以下简称《若干措施》）。其中提到，创新金融产品和服务，撬动优质供给 和潜力需求，支持保险产品和业务创新。优化升级"沪惠保""沪家保""沪业保""沪骑保"等"沪"系列普惠 保险产品，针对特定群体和服务业小微经营主体加大保险保障力度。丰富旅游保险、意外伤害保险、健 康保险等产品供给，扩大商业健康保险直赔服务覆盖面，逐步实现医保商保同步结算覆盖上海主要三级 医院。积极发展第三支柱养老保险，鼓励开发多元化的个人养老金专属产品，创新商业养老金产品。 ...

人民财讯1月13日电，上海市人民政府办公厅关于印发《上海市促进服务业提质增效和消费提振扩容联 动发展的若干措施》，其中提出，支持保险产品和业务创新。优化升级"沪惠保""沪家保""沪业保""沪 骑保"等"沪"系列普惠保险产品，针对特定群体和服务业小微经营主体加大保险保障力度。丰富旅游保 险、意外伤害保险、健康保险等产品供给，扩大商业健康保险直赔服务覆盖面，逐步实现医保商保同步 结算覆盖上海主要三级医院。积极发展第三支柱养老保险，鼓励开发多元化的个人养老金专属产品，创 新商业养老金产品。 ...

1月13日金融一线消息，上海市发布《上海市促进服务业提质增效和消费提振扩容联动发展的若干措 施》，其中提到，支持保险产品和业务创新。优化升级"沪惠保""沪家保""沪业保""沪骑保"等"沪"系列 普惠保险产品，针对特定群体和服务业小微经营主体加大保险保障力度。丰富旅游保险、意外伤害保 险、健康保险等产品供给，扩大商业健康保险直赔服务覆盖面，逐步实现医保商保同步结算覆盖上海主 要三级医院。积极发展第三支柱养老保险，鼓励开发多元化的个人养老金专属产品，创新商业养老金产 品。 1月13日金融一线消息，上海市发布《上海市促进服务业提质增效和消费提振扩容联动发展的若干措 施》，其中提到，支持保险产品和业务创新。优化升级"沪惠保""沪家保""沪业保""沪骑保"等"沪"系列 普惠保险产品，针对特定群体和服务业小微经营主体加大保险保障力度。丰富旅游保险、意外伤害保 险、健康保险等产品供给，扩大商业健康保险直赔服务覆盖面，逐步实现医保商保同步结算覆盖上海主 要三级医院。积极发展第三支柱养老保险，鼓励开发多元化的个人养老金专属产品，创新商业养老金产 品。 责任编辑：王馨茹 责任编辑：王馨茹 ...

（文章来源：第一财经） 上海市人民政府办公厅印发《上海市促进服务业提质增效和消费提振扩容联动发展的若干措施》。其中 提到，支持保险产品和业务创新。优化升级"沪惠保""沪家保""沪业保""沪骑保"等"沪"系列普惠保险产 品，针对特定群体和服务业小微经营主体加大保险保障力度。丰富旅游保险、意外伤害保险、健康保险 等产品供给，扩大商业健康保险直赔服务覆盖面，逐步实现医保商保同步结算覆盖上海主要三级医院。 积极发展第三支柱养老保险，鼓励开发多元化的个人养老金专属产品，创新商业养老金产品。 ...

随着人口老龄化程度加深，"老有所养"不仅是每个家庭的刚需，更是关乎民生福祉的时代考题。如 何让养老钱袋子更鼓、让照护服务更优？中国人寿给出了一份综合金融解决方案。 充实养老钱袋子 养老金储备是否充分，事关居民养老刚需。如何充实居民养老的钱袋子？中国人寿给出的答案 是"一增一减"。 "增"即通过专业投资，丰盈养老资金储备。中国人寿充分发挥保险、投资、银行三大业务板块协同 发展的综合金融优势，全面布局养老保险三支柱。 截至2025年三季度末，第一支柱方面，中国人寿集团旗下养老险公司为超750亿元基本养老保险基 金提供投资管理服务。第二支柱方面，养老险公司管理企业年金、职业年金累计规模超2.1万亿元，稳 居行业首位。第三支柱方面，中国人寿集团成员单位广发银行个人养老金资金账户开户量超340万人， 个人养老金产品数量超220只；养老险公司陆续发行10款商业养老金产品，累计规模和有效客户数持续 保持行业"双第一"；中国人寿集团旗下资产公司为养老险公司商业养老金产品提供投资管理服务，形 成"产品+专户"的全类型投资合作格局。 "减"即通过各类保险，减轻个人养老支出负担。"住院以后家里压力非常大，都不知道该咋办了， 幸亏拿 ...

党的二十届四中全会部署"十五五"战略任务，进一步推动老有所养、老有所为，为未来五年发展养老金 融提供了根本遵循和指引。作为金融央企，中国人寿立足综合金融优势，促进养老资金储备、探索养老 服务新模式、加大对银发经济支持力度，助力金融活水融入养老事业肌理，扎实写好养老金融大文章。 "一增一减" 充实养老钱袋子 养老资金储备直接关系到晚年养老的幸福指数，事关居民养老"刚需"，如何充实养老钱袋子？一增一 减，是中国人寿的实践路径。 "增"即通过专业投资，丰盈养老资金储备。中国人寿充分发挥保险、投资、银行三大业务板块协同发展 的综合金融优势，立足于丰富的险资跨周期资金管理经验，全面布局养老三支柱业务。截至2025年三季 度末，第一支柱方面，中国人寿集团旗下养老险公司为超750亿元基本养老保险基金提供投资管理服 务，特定投资组合规模和业绩排名前列，实现基金保值增值；第二支柱方面，中国人寿养老险公司企业 年金和职业年金管理累计规模超2.1万亿元；第三支柱是养老金融发展的突破口，也是中国人寿落实养 老金融的着力点，中国人寿集团成员单位广发银行个人养老金资金账户开户量超340万，持续丰富产品 货架，积极开发、引进符合不同投资偏 ...

养老资金储备直接关系到晚年养老的幸福指数，事关居民养老"刚需"，如何充实养老钱袋子？一增一 减，是中国人寿的实践路径。 "增"即通过专业投资，丰盈养老资金储备。中国人寿充分发挥保险、投资、银行三大业务板块协同发展 的综合金融优势，立足于丰富的险资跨周期资金管理经验，全面布局养老三支柱业务。截至2025年三季 度末，第一支柱方面，中国人寿集团旗下养老险公司为超750亿元基本养老保险基金提供投资管理服 务，特定投资组合规模和业绩排名前列，实现基金保值增值；第二支柱方面，中国人寿养老险公司企业 年金和职业年金管理累计规模超2.1万亿元，管理资产总规模稳居行业首位；第三支柱是养老金融发展 的突破口，也是中国人寿落实养老金融的着力点，中国人寿集团成员单位广发银行个人养老金资金账户 开户量超340万，排名股份制银行前列，持续丰富产品货架，积极开发、引进符合不同投资偏好的养老 金融产品，个人养老金产品数量超220只；中国人寿养老险公司陆续发行10款商业养老金产品，商业养 老金累计规模和有效客户数持续保持"行业双第一"；中国人寿集团旗下资产公司立足主业，充分调动公 司本级及子公司多业务单元潜能，为中国人寿养老险公司商业养老金 ...

Core Viewpoint - The report emphasizes the increasing awareness and proactive planning of retirement among Chinese residents, highlighting a shift from traditional views to a more integrated approach to retirement wealth management and services [2][3][4]. Group 1: Awareness and Planning - Recent surveys indicate that respondents believe around age 37 is the optimal time to start retirement planning, showing a trend towards younger planning ages while remaining stable over the years [4]. - There is a significant decline in the younger demographic (ages 18-34) who feel they are "too young to worry," dropping from 78% in 2023 to 47% in 2025, indicating a shift in mindset towards planning [4]. - Among respondents under 50, 85% are actively engaged in monthly retirement planning, reflecting a strong awareness and willingness to act [4]. Group 2: Supply and Demand Dynamics - The low-interest-rate environment and increasing longevity have led to a shift in retirement investment from "safety-first" savings to "diversified asset allocation" [6]. - Financial product offerings have expanded, including personal pension accounts that now encompass government bonds, specific retirement savings, and index funds, enhancing the variety available for retirement planning [6]. - The core demands of respondents have evolved from merely preserving capital to seeking comprehensive services that integrate finance with health, care, and leisure [6]. Group 3: Integrated Financial Services - The report suggests that retirement financial services are transitioning from single-product offerings to a comprehensive service system that balances returns, safety, and quality of life [6]. - Financial institutions are innovating continuously, leading to more refined product structures that closely integrate with retirement services and leverage digital technology [6]. Group 4: The CITIC Solution - Since 2009, CITIC Bank has focused on the full lifecycle of customer retirement needs, establishing a unique "Happiness+" retirement financial service system [8]. - CITIC Bank has developed a comprehensive ecosystem for retirement financial services by leveraging its full financial license and extensive industrial coverage, integrating wealth management, health care, and home living [9]. - The bank is committed to educating the elderly on retirement financial knowledge, publishing resources that address core needs such as retirement security, quality of life, and intergenerational wealth transfer [9]. Group 5: Commitment to Quality Development - CITIC Bank aims to innovate retirement financial products and services, adhering to a customer-centric approach while collaborating with industry partners to promote the deep integration of retirement finance and services [10].