11 月 21 日，由中信银行主办、新华网承办的第三届"信·新"品牌高质量发展论坛于北京 举行。论坛上，中信银行重磅发布《中国居民养老财富管理发展报告（ 2025 ）》（以下 简称《报告》）。 据悉，这是中信银行连续第四年发布该系列《报告》，通过深入调研分析居民养老 财富管 理行为和非金融服务需求 ， 深入探讨金融产品创新与养老服务融合模式，同时吸收国际经 验，力求为我国养老金融发展提供观察视角和实践经验。 中国老龄科学研究中心党委书 记、主任高成运表示，《报告》提出的"中信方案"为行业提供了宝贵实践经验， 期待我国 养老金融理论研究与实践创新的同频共振，为探索中国特色积极应对人口老龄化道路、更好 满足老年人多层次高品质养老生活需求贡献更大力量。 长寿时代，需求觉醒， 从"被动思考"走向"主动规划" 此次《报告》由中信金控、中国老龄科学研究中心指导，中信银行携手集团子公司共同参与 调研、分析，通过线上平台和线下面访的方式，共获得 10137 个 有效样本， 涵盖全国 31 个省、自治区、直辖市 18 岁及以上人口。 幸福养老，供给破局， 从"产品扩容"迈向"融合发展" 近年来，低利率环境下金融资产增值放缓，叠 ...

与此同时，养老规划的重点正从"是否需要做"转向"如何去做"。《报告》指出，受访者不仅养 老规划意识总体较强，而且行动意愿普遍积极。 50岁以下的受访者中，85%每月均有养老规 划。 调研发现，受访者对养老金融的核心诉求，正在从"资金保值增值"延伸至"金融+健康、照护、 文化休闲"的全方位服务。调查数据显示，七成受访者希望金融机构不仅能管好钱，更能链接 优质的健康管理与医疗服务；近六成期待金融产品附加养老机构服务；还有近五成希望享受旅 居养老相关服务。 为响应市场需求，我国养老金融产品供给正在持续扩容升级。个人养老金账户已新增纳入国 债、特定养老储蓄、指数基金三类产品，进一步丰富了账户投资选择；商业养老金产品不断创 新，为临退休人群提供了更具针对性的配置品类。信托直付养老社区新模式也在积极探索，为 居民养老规划提供更丰富产品选择。 记者丨郭聪聪 编辑丨杨希 随着低利率环境下金融资产增值放缓，叠加人口长寿化带来的养老资金需求持续扩大，我国居 民养老投资正从传统单一储蓄模式向多元资产配置转型。 中信银行近日发布的《中国居民养老财富管理发展报告（2025）》（下称《报告》）显示，近 年来居民养老规划意识总体增强，而且 ...

21世纪经济报道 记者郭聪聪 随着低利率环境下金融资产增值放缓，叠加人口长寿化带来的养老资金需求持续扩大，我国居民养老投 资正从传统单一储蓄模式向多元资产配置转型。中信银行近日发布的《中国居民养老财富管理发展报告 （2025）》（下称《报告》）显示，近年来居民养老规划意识总体增强，而且行动意愿更为积极，受访 者普遍认为37岁左右是启动养老规划的较好时点。 本次《报告》共获得10137个有效样本，涵盖全国31个省、自治区、直辖市18岁及以上人口。数据显 示，37岁左右启动养老规划的认知，已连续三年保持稳定，显示出我国居民启动养老规划的平均年龄趋 于年轻化且达成共识。 其中年轻群体观念转变最为突出，2023年18-34岁群体中78%认为"还年轻，不着急"，而2025年这一比 例已降至 47%，年轻一代正主动打破"临近退休才规划养老"的传统思维。 与此同时，养老规划的重点正从"是否需要做"转向"如何去做"。《报告》指出，受访者不仅养老规划意 识总体较强，而且行动意愿普遍积极。50岁以下的受访者中，85%每月均有养老规划。 调研发现，受访者对养老金融的核心诉求，正在从"资金保值增值"延伸至"金融+健康、照护、文化休 ...

Core Viewpoint - The news highlights the innovative development of pension finance services in Shaanxi, showcasing how financial institutions are actively addressing the needs of the elderly population through tailored products and services [1][2][7]. Group 1: Financial Institutions' Initiatives - Postal Savings Bank staff successfully prevented a potential loss of nearly 320,000 yuan for an elderly customer by identifying a phone scam and providing timely assistance [1]. - Minsheng Bank has created a customized "Pension Hive" plan, enhancing financial support for elderly clients and filling the financial service gap for private nursing homes, with a total of 19.6389 million yuan in loans issued for the pension industry this year [2]. - Financial institutions are increasingly supporting the pension industry, with government and market collaboration driving the development of the travel and health care industry clusters [3]. Group 2: Product and Service Innovations - The "2025 Xi'an Elderly Expo" featured a live session where Bank of China representatives educated elderly clients on financial safety and personal pension account policies, receiving positive feedback [4]. - Various financial institutions in Shaanxi are innovating services for the elderly, including China Life's launch of ten commercial pension products and the introduction of "Xianyang Medical and Nursing Loan" by ICBC to address funding challenges in community hospitals [5]. Group 3: Integration of Healthcare and Elderly Care - The Taikang Qinyuan Elderly Community, a 1.5 billion yuan investment project, is a benchmark for high-end elderly care in Northwest China, integrating living, medical, and entertainment services [6]. - Financial institutions are leveraging technology to enhance service efficiency, such as the development of evaluation tools for elderly care institutions and user-friendly banking applications for seniors [6]. - Shaanxi is exploring innovative financial tools like pension trusts and reverse mortgage insurance to deepen the integration of smart elderly care and financial services [6].

Core Viewpoint - Huaxia Bank's 2025 semi-annual report highlights its commitment to sustainable development and financial support for key sectors, achieving steady growth in assets and loans while maintaining stable asset quality [1][2]. Financial Performance - As of the end of the reporting period, Huaxia Bank's total assets reached 4,549.63 billion yuan, a 3.96% increase from the previous year [2] - Total loans amounted to 2,417.10 billion yuan, up 2.15% year-on-year [2] - Total deposits were 2,323.16 billion yuan, reflecting a 7.99% increase [2] - Operating income for the period was 45.52 billion yuan, down 5.86% year-on-year, but improved by 11.87 percentage points from Q1 2025 [2] - Net profit attributable to shareholders was 11.47 billion yuan, a decrease of 7.95% year-on-year, but also showed a 6.09 percentage point improvement from Q1 2025 [2] - The non-performing loan ratio remained stable at 1.60%, unchanged from the end of the previous year [2] Business Structure Optimization - The bank has optimized its asset structure, increasing support for key sectors such as private economy and strategic emerging industries [3] - Loans to technology enterprises grew by 32.31%, while green loans increased by 16.79% [3] - The proportion of deposits rose to 51.06%, up 1.90 percentage points from the previous year [3] - Net income from fees and commissions reached 3.10 billion yuan, a 2.55% increase year-on-year [3] Strategic Initiatives - Huaxia Bank is actively implementing the national strategy through its "Five Major Articles," focusing on technology and green finance [4] - The bank has issued 10 billion yuan in technology innovation bonds and increased its loan balance for technology enterprises to 210.53 billion yuan [4] - Green loan balance reached 332.91 billion yuan, with a continuous increase in its proportion [4] Digital Transformation - The bank is accelerating its digital and intelligent transformation, enhancing its digital service capabilities [7][8] - The number of online scenarios has reached 2,045, saving 352,100 hours of work [7] - The bank is also focusing on data management and sharing to improve customer service and operational efficiency [8] Risk Management and Compliance - Huaxia Bank has strengthened its risk management framework, maintaining stable asset quality and enhancing its governance structure [9] - The bank has implemented a comprehensive risk management mechanism and improved its compliance management system [9]

华夏银行今日公布了2025年半年度报告。2025年上半年，华夏银行坚持稳中求进工作总基调，严格 落实监管部门各项要求，坚持稳中求进，紧扣战略规划目标，秉持"可持续 更美好"的品牌理念，持续 加大金融"五篇大文章"重点领域支持力度，深化集团化与精细化管理，深耕主责主业，严守安全防线， 扎实推进高质量、可持续发展。在2025年7月英国《银行家》全球1000家银行排名中，该行按一级资本 排名全球第47位，较上年提升2位，经营发展再上新台阶。 2025年上半年，华夏银行各项业务有序开展，经营态势平稳向好。截至报告期末，该行资产规模稳 步增长，资产总额达45,496.25亿元，比上年末增长3.96%；贷款总额24,170.95亿元，比上年末增长 2.15%；存款总额23,231.59亿元，比上年末增长7.99%。 报告期内，华夏银行积极应对经营环境变化，实现营业收入455.22亿元，比上年同期下降5.86%， 比2025年一季度收窄11.87个百分点；实现归属于上市公司股东的净利润114.70亿元，比上年同期下降 7.95%，比一季度收窄6.09个百分点，盈利趋势企稳向好。资产质量保持稳定，不良贷款率1.60%，与上 ...

Group 1 - The core viewpoint of the article highlights the growth and development of the insurance industry in Shenzhen, with a significant increase in premium income and claims payout in the first half of the year [1] - Shenzhen's insurance industry achieved original premium income of 121.307 billion yuan, representing a year-on-year growth of 7.96%, the highest growth rate among first-tier cities [1] - Claims payout reached 38.743 billion yuan, with a year-on-year increase of 8.84% [1] Group 2 - The introduction of the "Shenzhen Huijia Bao" insurance product aims to enhance public welfare, with 34,800 policies underwritten and premium income of 2.2758 million yuan since its launch in July [1] - The upgraded "Shenzhen Huimin Bao" insurance product has expanded coverage to include family members and students from Shenzhen, with a total of 6.15 million participants [1] - The commercial pension products in Shenzhen have shown steady growth, with 116,200 commercial pension accounts opened and a total sales amount of 18.344 billion yuan as of the first half of the year [1]

Core Insights - The banking sector is actively implementing the core objectives of the "Five Major Articles" in finance, focusing on adjusting asset structures to strengthen the foundation for a financial powerhouse, with emphasis on technology, green finance, inclusive finance, pension, and digital sectors [1][4] - Major banks, including state-owned and joint-stock banks, are leading efforts by providing substantial long-term funding support for key national projects and core links in industrial chains [1][4] - Smaller banks are also making contributions by focusing on regional needs, with significant growth in loans for technology enterprises and green finance [2] Summary by Categories Major Banks - ICBC has seen its strategic emerging industry loan balance exceed 3.1 trillion yuan, with technology enterprise loans nearing 2 trillion yuan, green loans surpassing 6 trillion yuan, and inclusive loans reaching 2.9 trillion yuan by the end of 2024 [1] - Other major banks are also focusing on the five key areas, with notable loan growth in technology and green sectors [1] Small and Medium Banks - Guilin Bank's loans in the "Five Major Articles" reached 117.68 billion yuan, with technology enterprise loans growing over 30% year-on-year [2] - Shanghai Rural Commercial Bank's technology enterprise loan balance is nearly 115 billion yuan, up 24.29% from the previous year [2] - Huishang Bank's green loan balance is close to 116 billion yuan, increasing over 40% year-on-year, while its inclusive small and micro enterprise loans exceed 150 billion yuan [2] Challenges - Some banks face challenges in data and business practices, with discrepancies in loan balances compared to similar-sized institutions, such as Ningbo Bank's green loan balance of 50.54 billion yuan being below the average for A-share city commercial banks [3] - There is a notable gap in technology investment between domestic banks and international peers, with only 4 out of 20 banks investing over 5% of revenue in technology by 2024 [3] - The pension finance sector requires enhanced product innovation, as the current pension system heavily relies on the first pillar, with low coverage in the second pillar and slow development in the third pillar [3] Data Governance - The banking industry faces issues with inconsistent data standards, naming conventions, and data discrepancies, which affect the objectivity of assessments [4] - There is an urgent need for unified data standards and improved data governance within the banking sector [4]

Group 1 - The core issue of aging population and changing demographics is crucial for individual social life, with projections indicating that by 2030, the population aged 60 and above in China will reach 350 million, leading to a family support ratio of 1:2 in 30 years [1] - The "insufficient family support," which includes burdens from children, lack of family care, and risks of living alone, is the main source of anxiety regarding retirement across all age groups, particularly affecting those born in the 70s and 80s [2] - Over 70% of families currently spend less than 5,000 yuan annually on retirement financial products, with 30% spending below 2,000 yuan, indicating a low willingness to invest in retirement savings due to high living costs for middle-income families [2] Group 2 - Recommendations from the report suggest a comprehensive approach to enhance retirement financial health, including the construction of a retirement financial system, public financial literacy education, innovation in diversified financial products, and the establishment of intergenerational family support systems [2] - There is significant room for optimization in China's pension insurance products, which should focus on inclusivity, safety, and long-term benefits, as current innovations are often driven by policy rather than genuine market needs [2] - Retirement planning should begin early and involve comprehensive cash flow planning for families, emphasizing the importance of a scientific savings plan based on income and expenditure levels [3]

Core Viewpoint - The article discusses the challenges and opportunities in ensuring financial health for family pensions in the context of China's aging population and the need for effective financial products like insurance to support elderly care [2][3][5]. Group 1: Current Situation and Challenges - China is facing an unprecedented aging population crisis, making elderly care a national concern rather than just a family issue [3]. - The report highlights the collision between traditional views on elderly care and modern challenges, with significant anxiety about retirement among different age groups, particularly those born in the 70s and 80s [15]. - The "sandwich generation" (ages 30-50) is under dual pressure from both child education (67.7% of respondents) and elder care (14.7% of respondents), indicating a lack of focus on retirement planning [15]. Group 2: Financial Health Index - The first "China Family Pension Financial Health Index Research Report" was launched, revealing an average score of 48.56, indicating that families are in an accumulation phase regarding pension planning [10][14]. - The report is based on 26,835 valid samples from 34 provincial-level administrative regions, providing a comprehensive view of the current state of family pension financial health [14]. Group 3: Asset Allocation and Pension Models - The survey found that family asset allocation is imbalanced, with over 70% in real estate and less than 5% in financial assets, highlighting a reliance on traditional pension methods [15]. - Home-based elderly care remains the mainstream model, with 46.34% of nuclear families and 49.56% of extended families preferring this approach [15]. Group 4: Recommendations for Improvement - The report suggests establishing a wealth management concept throughout the life cycle and expanding the second and third pillars of pension systems to enrich financial product offerings [16]. - It emphasizes the need for a multi-layered pension security system and improved social support, particularly for the 70s and 80s generations, who face economic, psychological, and social challenges [16].