Core Insights - The National Financial Regulatory Administration has announced the nationwide expansion of pension financial products, increasing the fundraising limit for individual financial companies to five times the net capital after deducting risk capital, which is a significant boost for the silver economy market [1] - The aging population in China is projected to exceed 300 million by the end of 2024, making pension finance a critical issue for social and economic development, driven by both policy support and market demand [1][2] - The silver economy is expected to grow significantly, with its scale currently around 7 trillion yuan, projected to reach 30 trillion yuan by 2035, accounting for 10% of GDP [2] Regulatory Developments - The recent notification supports financial companies in investing in long-term quality assets that match the characteristics of pension finance, enhancing support for the health and pension industries [1] - In 2024, further policy support is anticipated, with a focus on developing targeted financial products for different age groups and elderly populations [2] Market Trends - Financial institutions are rapidly entering the pension finance market, evolving from basic account services to comprehensive wealth management throughout the life cycle [3] - Banks like ICBC and CITIC Bank are launching innovative pension financial products that integrate health consultation, medical assistance, and home care services [3][4] Challenges in the Industry - Despite the market potential, there are challenges such as inadequate elderly-friendly services and the complexity of financial products, which may not meet the needs of older adults [5] - Financial institutions are addressing these issues by optimizing their apps for elderly users and incorporating risk management measures to prevent financial fraud [5]

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转自：新华财经 工行防城港分行深入践行中央金融工作会议精神，高举"养老金融"旗帜，全力以赴推动地方养老金融发 展再提速。截至2025年8月末，该行养老金理财累计销售额达9713万元，同比增7609万元。 深耕网点场景，精准触达银发客群。该行以网点为阵地，实施"锁客-挖需-提质"三步策略。一是锁定代 发工资、社保缴存等客群，通过行内理财到期提醒等实用系统功能，为客户无缝衔接做好个人养老理财 推介续办；二是深挖老年客群养老规划需求，联动反诈、社区服务，强化对业务产品的持续宣传，不断 深化"养老+金融"品牌塑造；三是做好优质资源配置，通过"一对一"服务及专业性讲解，提升客户个人 养老金产品配置规模；四是抓好到店客户的金融服务，通过抓好厅堂服务，迅速识别客户需求，针对性 进行产品推介。（陈艺文） 编辑：穆皓 聚焦养老金融生态，打造"如意人生"综合服务体系。该行深度践行国家养老金融战略，依托总行"如意 人生养老计划"，构建覆盖"养老规划+优选产品+养老服务"的一站式综合服务体系。通过整合理财、保 险、基金、存款等多元化产品，针对客户不同生命周期需求，推出"安心、稳益、长盈"三类组合，满足 从备老到享老的全周期财富管理需 ...