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].

分分钟实现掌上投保 快需看看如何替 宗 国寿有险个人弄老金保险 最近个人养老金的话题 广受关注，我想知道什 么是个人养老金? 第一批个人养老金产品获批 上线不久，11月25日，中国人寿 寿险公司与客户王先生成功签订 了首份个人养老金产品保单。 好棒! 那么应该怎样参与个人 养老金制度并投保这款个人养 老金产品呢? 首先需要开设您的个人养老金账户和个人养老 金资金账户,符合参与资格并在试行区域内的 客户可在有个人养老金业务资格的商业银行 【一次性办理开立两个账户】 : 好嘞!所谓个人养老金,是指 政府政策支持、个人自愿参 加、市场化运营、实现养老保 险补充功能的制度。凡参加城 镇职工基本养老保险或者城乡 居民基本养老保险的劳动者, 都可以参加个人养老金制度。 个人养老金实行个人账户制，缴费完全由参加人 个人承担,自主选择购买符合规定的商业养老保险、 储蓄存款、理财产品、公募基金等金融产品，实行完 全积累，按照国家有关规定享受税收优惠政策。 税收优惠政策 商业养老保险 参加人每年缴纳个人养老金额度上限为12000 元，参加人每年缴费不得超过该缴费额度上限。可 以按月、分次或者按年度缴费,缴费额度按自然年 度累计, ...

11月23日，中国银行保险信息技术管理有限公司披露了首批个人养老金保险产品名单，包含6家险企的7款产品。中国人寿保险股份有限公司（以下简 称"中国人寿寿险公司"）首款个人养老金产品——国寿鑫享宝专属商业养老保险被列入该产品名单。 操作省心，服务贴心。凭借近百万的寿险营销及客户服务队伍，以及全国各省、自治区、直辖市和计划单列市共计2万余家分支机构和网点，中国人寿 寿险公司在为参保人提供线上、线下等多种服务方式的同时，也将为参保人打造更加简捷、品质、温暖的全方位服务体系，实现客户办理省心、服务舒心、 资金放心的参保体验。 税收递延，惠民养老。购买个人养老金专属保险产品，参保人可享受在规定的标准内准予税前扣除。在投资环节，计入个人养老金资金账户的投资收益 暂不征收个人所得税。个人领取的个人养老金，再单独按照3%的税率计算缴纳个人所得税。 作为行业"头雁"，中国人寿寿险公司将紧跟国家发展战略，为健全覆盖全民、统筹城乡、公平统一、安全规范、可持续的多层次社会保障体系，扩大社 会保险覆盖面等方面贡献力量。该公司表示，将始终坚持"以人民为中心"的发展思想，坚持政治性、人民性，提升专业性，充分发挥经济"减震器"和社 会"稳定 ...