Core Viewpoint - Ping An Life Insurance has launched its first personal pension insurance product, "Ping An Shengshi Youxiang Pension Annuity Insurance (Participating)," to meet the diverse pension savings and security needs of consumers and to support tax incentive policies [1][9]. Product Features - The "Shengshi Youxiang" product emphasizes "saving now, peace of mind later," providing valuable pension savings options for customers [2]. - Customers can enjoy tax benefits, with a maximum annual tax saving of 5,400 yuan during the contribution period [2][11]. - The product offers flexible payment options with up to nine different payment periods, catering to various financial capabilities and preferences [2][11]. Customer Example - A case study of a 35-year-old customer illustrates the potential savings and benefits: by contributing 12,000 yuan annually until age 60, the customer could save 75,000 yuan in taxes over 25 years, with potential annual pension payouts of approximately 21,865 yuan or 27,940 yuan depending on dividend participation [3][5][7]. Additional Services - Customers meeting specific criteria can access the "Zhenxiang Family Medical" service, which includes health consultations and regular check-ups, enhancing their overall retirement experience [4][8]. Company Background - Ping An Life has been a leader in pension finance for 30 years, serving around 14 million pension insurance customers and continuously expanding its product offerings to meet market demands [5][6]. - The company has optimized its asset-liability matching and maintained stable investment performance, aiming to provide long-term returns for policyholders [5][6]. Market Context - The personal pension system in China, supported by government policies, has gained popularity since its pilot launch in November 2022, with over 70 million accounts opened and nearly 500 billion yuan in contributions by the end of November 2024 [8][9]. - The recent announcement to implement the personal pension system nationwide is expected to further stimulate participation and strengthen the pension security framework in China [8][9].

编者按： 自2023年中央金融工作会议谋划科技、绿色、普惠、养老、数字金融发展蓝图，到今年3月国务院 出台专项指导意见，做好金融"五篇大文章"引发金融业广泛共鸣。本报推出"做好'五篇大文章' 金 融业作答进行时"专栏，记录行业的行动和思考，淬炼可复制的创新样本，求解亟待突破的实践难 题。敬请垂注。 3月初，国务院办公厅印发《关于做好金融"五篇大文章"的指导意见》，进一步细化金融"五篇大文章"重点 领域和主要着力点。写好"五篇大文章"，是金融机构责无旁贷的重要使命。 中国平安始终坚持金融工作的政治性和人民性，发挥"综合金融+医疗养老"双轮并行、科技驱动的战略优势， 以"五篇大文章"为方针指引，全方位、系统性持续提升金融服务质效，以高质量金融服务助力经济社会高质量 发展。 发挥"综合金融+医疗养老"优势，丰富养老服务供给 养老，家之大事，国之大事。平安以满足人民日益增长的美好生活需要作为高质量发展的出发点和落脚点，把 医疗养老摆在战略突出位置，聚焦金融保险主业，服务养老三大支柱，打造了投资、保险、医疗、养老四个服 务平台，初步构建起养老金融生态，为进一步做好养老金融大文章打下坚实基础。 深耕养老三大支柱。随着老年 ...