12月26日，由邮储银行主办的"预见美好未来"养老金融论坛在北京举行。中国社会保障学会及多家基 金、保险、理财公司等金融机构的专家和嘉宾共同探讨以金融力量激活银发经济、赋能养老金融高质量 发展的新思路。 邮储银行零售业务总监梁世栋表示，"十五五"规划建议明确提出要"积极应对人口老龄化，健全养老事 业和产业协同发展政策机制。优化基本养老服务供给，完善城乡养老服务网络，加强公共设施适老化和 无障碍改造。"邮储银行始终践行国有大行使命担当，积极助力多层次多支柱养老保险体系建设，做优 养老财富管理、做暖养老金融服务、做强养老产业融资，致力于成为陪伴在客户身边的养老暖心银行、 国家养老金融全面推进的重要服务银行。 近年来，邮储银行构建"三横三纵"立体式养老金融体系，面向备老、银发、家庭三类主体，深耕养老金 金融、养老服务金融、养老产业金融三大领域，推动产品共享、服务共融、产业共建，全面推进养老金 融业务高质量发展。 做暖养老服务金融提升养老生活温度 邮储银行全面提升适老化金融服务水平，持续迭代网点柜面、自助设备适老化功能，在筑牢线下网点适 老服务的同时，依托手机银行大字版实现关键信息"一眼可见"、高频功能"一键直达"， ...

12月26日，由邮储银行主办，澎湃新闻、中国银联、嘉实基金、中邮保险、中邮理财合办的"预见美 好未来"养老金融论坛在北京举行。论坛汇聚社保学会专家及金融机构代表，围绕"金融激活银发经 济"展开深度对话，为养老金融高质量发展探路。 邮储银行零售业务总监梁世栋表示，"十五五"规划建议明确提出要"积极应对人口老龄化， 大力发展养老金融，优化基本养老服务供给，健全养老事业和产业协同发展政策机制"。邮 储银行始终践行国有大行使命担当，积极助力多层次多支柱养老保险体系建设，做优养老 财富管理、做暖养老金融服务、做强养老产业融资，致力于成为陪伴在客户身边的养老暖 心银行、国家养老金融全面推进的重要服务银行。 个人养老金方面，邮储银行通过整合养老投教、账户服务与特色功能，构建起覆盖"开户- 缴存-投资-支取"全流程的个人养老金服务体系，目前已实现线上线下全渠道覆盖，并提供 存款、基金、保险、理财等全品类投资产品。值得关注的是，其创新推出的"养老测算" "自 动 缴 存 " " 家 庭 养 老 账 户 " 三 大 特 色 功 能 ， 正 成 为 打 通 个 人 养 老 规 划 " 最 后 一 公 里 " 的 关 键 抓 手：退 ...

12月26日，由邮储银行主办，智通财经、中国银联、嘉实基金、中邮保险、中邮理财合办的"预见美好 未来"养老金融论坛在北京举行。论坛汇聚社保学会专家及金融机构代表，围绕"金融激活银发经济"展 开深度对话，为养老金融高质量发展探路。 邮储银行零售业务总监梁世栋表示，"十五五"规划建议明确提出要"积极应对人口老龄化，大力发展养 老金融，优化基本养老服务供给，健全养老事业和产业协同发展政策机制"。邮储银行始终践行国有大 行使命担当，积极助力多层次多支柱养老保险体系建设，做优养老财富管理、做暖养老金融服务、做强 养老产业融资，致力于成为陪伴在客户身边的养老暖心银行、国家养老金融全面推进的重要服务银行。 在养老金金融领域，邮储银行已服务超1.3亿城乡基本养老保险客户，发放金融社保卡数量居行业前 列；同时，通过培育中青年养老规划意识，个人养老金账户累计开户量突破千万户。 基本养老保险服务方面，邮储银行持续强化"金融+社保"一站式服务能力，已实现社保卡同号换卡、电 子社保卡签发、社保卡"跨省通办"等核心功能。与此同时，该行积极探索社保卡的多功能场景应用：重 庆分行在全辖1600余个网点及1800余台智能终端上线ITM设备，可 ...

12 月 26 日，由邮储银行主办，澎湃新闻、中国银联、嘉实基金、中邮保险、中邮理财合办 的"预见美好未来"养老金融论坛在北京举行。邮储银行零售业务总监梁世栋出席本次活动并致 辞。来自中国社会保障学会及多家基金、保险、理财公司等金融机构的专家和嘉宾参会，共同探 讨以金融力量激活银发经济、赋能养老金融高质量发展的新思路。 梁世栋表示，"十五五"规划建议明确提出要"积极应对人口老龄化，大力发展养老金融，优化基本 养老服务供给，健全养老事业和产业协同发展政策机制"。邮储银行始终践行国有大行使命担当， 积极助力多层次多支柱养老保险体系建设，做优养老财富管理、做暖养老金融服务、做强养老产 业融资，致力于成为陪伴在客户身边的养老暖心银行、国家养老金融全面推进的重要服务银行 。 近年来，邮储银行构建"三横三纵"立体式养老金融体系，面向备老、银发、家庭三类主体，深耕 养老金金融、养老服务金融、养老产业金融三大领域，推动产品共享、服务共融、产业共建，全 面推进养老金融业务高质量发展。 深耕养老金金融 打造全周期服务生态 在养老金金融领域，邮储银行积极服务国家多层次多支柱养老保险体系建设，广泛服务城乡基本 养老保险客户，发放金融 ...

12月26日，由邮储银行主办，澎湃新闻、中国银联、嘉实基金、中邮保险、中邮理财合办的"预见美好未 来"养老金融论坛（第二届）在北京举行。邮储银行零售业务总监梁世栋出席本次活动并致辞。来自中国社 会保障学会及多家基金、保险、理财公司等金融机构的专家和嘉宾参会，共同探讨以金融力量激活银发经 济、赋能养老金融高质量发展的新思路。 梁世栋表示，"十五五"规划建议明确提出要"积极应对人口老龄化，大力发展养老金融，优化基本养老服务供 给，健全养老事业和产业协同发展政策机制"。邮储银行始终践行国有大行使命担当，积极助力多层次多支柱 养老保险体系建设，做优养老财富管理、做暖养老金融服务、做强养老产业融资，致力于成为陪伴在客户身边 的养老暖心银行、国家养老金融全面推进的重要服务银行。 近年来，邮储银行构建"三横三纵"立体式养老金融体系，面向备老、银发、家庭三类主体，深耕养老金金融、 养老服务金融、养老产业金融三大领域，推动产品共享、服务共融、产业共建，全面推进养老金融业务高质量 发展。 深耕养老金金融，打造全周期服务生态 在养老金金融领域，邮储银行积极服务国家多层次多支柱养老保险体系建设，广泛服务城乡居民基本养老保险 客户，发 ...

emister 12月26日，由邮储银行主办，智通财经、中国银联、嘉实基金、中邮保险、中邮理财合办的"预见美好未来"养老金融论坛在北京举行。邮储银行零售业务总 监梁世栋出席本次活动并致辞。来自中国社会保障学会及多家基金、保险、理财公司等金融机构的专家和嘉宾参会，共同探讨以金融力量激活银发经济、赋 能养老金融高质量发展的新思路。 梁世栋表示，"十五五"规划建议明确提出要"积极应对人口老龄化，大力发展养老金融，优化基本养老服务供给，健全养老事业和产业协同发展政策机制"。 邮储银行始终践行国有大行使命担当，积极助力多层次多支柱养老保险体系建设，做优养老财富管理、做暖养老金融服务、做强养老产业融资，致力于成为 陪伴在客户身边的养老暖心银行、国家养老金融全面推进的重要服务银行。 近年来，邮储银行构建"三横三纵"立体式养老金融体系，面向备老、银发、家庭三类主体，深耕养老金金融、养老服务金融、养老产业金融三大领域，推动 产品共享、服务共融、产业共建，全面推进养老金融业务高质量发展。 在养老产业金融领域，邮储银行创新构建了"523"特色服务体系：聚焦五大核心领域，实施双轮驱动策略，打造三种差异化服务模式，通过精准靶向的工作 ...

Core Insights - The article emphasizes the growing importance of elderly financial services in China, particularly in the context of the government's focus on supporting the aging population through financial initiatives [4][11] - The "Vital Life Card" is introduced as a key product designed to meet the diverse needs of the elderly, providing access to various services beyond traditional banking [5][6] Financial Support for Elderly Services - The 2024 guidelines from the People's Bank of China and nine other departments outline a clear path for financial support for elderly care, marking it as a significant social welfare initiative [4] - The demand for financial services among the elderly has expanded beyond savings and investment to include healthcare, travel, and daily consumption [4] Vital Life Card and Industry Alliance - The "Vital Life Card" is a specialized card product launched by China UnionPay in collaboration with 13 commercial banks, with over 27 million cards issued to date [5][6] - This card serves as a core vehicle for various elderly care benefits, linking resources from leading elderly care institutions [5][6] Service Accessibility and Coverage - China UnionPay has extended its services to address common issues faced by the elderly, such as meal preparation and healthcare access, by establishing meal assistance points across 36 regions [7][8] - The payment network supports medical payments in over 2,800 hospitals and facilitates public transport payments in 46 cities, enhancing convenience for elderly users [8] Technological Adaptation for the Elderly - The "Caring Version" of the Cloud Flash Payment app is designed to bridge the digital divide, featuring a user-friendly interface tailored for elderly users [9][10] - Safety features like "Payment Guardian" allow family members to monitor transactions, providing peace of mind for both elderly users and their families [10] Future Development of Elderly Financial Services - China UnionPay aims to continuously enhance its elderly financial service system, focusing on a collaborative model that integrates government guidance, market operations, and industry participation [11] - The company's approach transforms financial services into practical solutions that improve the quality of life for the elderly, aligning with societal goals for elder care [11]

Core Insights - China UnionPay actively responds to the national strategy of addressing population aging, collaborating with banks, institutions, and merchants to enhance the quality of the "silver economy" and inject new momentum into pension finance [1] Payment Security Assurance - On October 10, the Ministry of Civil Affairs announced the first batch of pension service consumption subsidy funds amounting to 1.16 billion yuan, marking the first nationwide subsidy project for elderly individuals with moderate to severe disabilities [2] - China UnionPay ensures smooth usage of consumption vouchers in elderly care scenarios by establishing a comprehensive risk control system and implementing fee reductions, thereby safeguarding the financial interests of the elderly and alleviating operational pressures on care institutions [2] - Various payment methods, including QR codes, social security cards, bank cards, and facial recognition, are supported, particularly retaining card payments familiar to the elderly, effectively bridging the digital divide [2] Warm-hearted Meal Assistance Program - In the community elderly care sector, meal assistance is a key component of the "six assistance" services, with China UnionPay facilitating the distribution of over 280 million yuan in meal subsidies [3] - In Qingdao, nearly 130,000 elderly individuals benefit daily from the meal assistance system supported by UnionPay, experiencing both nutritional meals and government care [3] - By the end of 2025, UnionPay aims to establish meal assistance points in 36 regions across China, ensuring convenient access to affordable and nutritious dining services for the elderly [3] Improved Service System - The "Vitality Life Card," launched by UnionPay in collaboration with multiple banks, integrates 12 exclusive benefits covering travel, health, and transportation, enhancing the experience for elderly users [4] - Over 80% of tertiary hospitals, more than 2,600 4A5A scenic spots, and 85,000 hotels nationwide support UnionPay card payments, facilitating seamless transactions for elderly individuals [4] - The "Caring Version" of the Cloud Flash Payment APP includes features like voice search and facial recognition prompts, making it easier for elderly users unfamiliar with smartphones to operate [4] - UnionPay is committed to building a comprehensive pension financial system, optimizing the elderly experience from community dining to travel and hospital payments, while continuing to deepen collaboration with government departments and industry partners [4]

Group 1: China Construction Bank's Green Finance Development - China Construction Bank's Hubei branch launched the "Green New Pioneer Equity Investment Fund," the first green low-carbon equity investment fund of the group, with a total scale of 1.5 billion yuan [1] - The fund focuses on ecological environmental protection and high-quality development along the Yangtze River Economic Belt, targeting emerging industries in ecological protection, clean energy, and green transportation [1] - The bank plans to leverage its integrated commercial and investment banking advantages to explore the green finance development potential along the Yangtze River Economic Belt through its 13 first-level branches in 11 provinces and cities [1] Group 2: China UnionPay's "Vital Life Card" - China UnionPay launched the "Vital Life Card," a card product tailored for the elderly and those preparing for retirement, in collaboration with commercial banks and industry partners [2] - The card product matrix includes debit and credit cards issued by commercial banks aimed at the elderly, as well as social security cards that meet bank criteria [2] - The initial offering includes 12 benefits across six categories related to high-frequency consumption scenarios such as healthcare, nursing care, retirement communities, daily life, high-end vacations, and high-end medical services [2]