工银养老金
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工商银行“1+2+3+N”养老服务体系助力银发经济高质量发展
Xin Hua Cai Jing· 2025-11-03 09:01
Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is committed to enhancing its investment in pension finance and developing a comprehensive service ecosystem to support the high-quality development of the silver economy [1] Group 1: Pension Financial Service System - ICBC has established a "1+2+3+N" pension financial service system, which includes one government-oriented service plan and three supporting plans for pension enterprises, individual pensions, and comprehensive financial services [1] - The bank aims to support the national pension security system, silver economy development, resident pension wealth, elderly-friendly society, and the informatization of elderly work [1] Group 2: Service Accessibility and Convenience - ICBC is enhancing service accessibility by launching the "Hundred-Thousand-Million Project," which aims to create 100 flagship pension financial outlets, 1,000 benchmark pension financial outlets, and 10,000 ordinary pension financial outlets [1] - Within a year, ICBC has established 6,400 various outlets, with 41% of its outlets now capable of providing pension financial services, and is expected to meet its target a year ahead of schedule [1] Group 3: Human-Centric Service Teams - ICBC has formed three teams to inject a human touch into its service system, including at least one "pension service consultant" at each outlet, retired employees as "pension service experience volunteers," and a "youth volunteer team" for community outreach [2] - The bank has collected over 1,500 valuable suggestions from these volunteers to optimize processes and products [2] Group 4: Diverse Financial Products - ICBC offers a variety of pension service products to meet diverse needs, including the "ICBC Pension" service for corporate annuities, managing over 1.7 trillion yuan in corporate annuities [2] - The bank has introduced "Pension REITs" services to address financing challenges for pension institutions and created a free, secure "Silver Industry Cloud" platform for government, institutions, and individuals [2] Group 5: Localized Service Initiatives - ICBC Chengdu Branch has developed a comprehensive pension financial service model tailored to local needs, managing the largest scale of entrusted pension business in the region, accounting for about 30% of the market [3] - The branch has created a series of themed activities in collaboration with local governments and communities, enhancing customer engagement and receiving widespread acclaim [3]