个人养老金就不一样了，完全是自愿参加的，想交就交不想交拉倒。但有个前提，得先交了社保养老金才能开这个账户。我记 得开的时候得弄两个户头，一个是登记身份的养老金账户，另一个是存钱的资金账户，找家银行就能一次性办好，有的银行还 送超市券呢。 最吸引人的就是那个免税政策了。简单说就是每年存进去的钱，最多 1.2 万能从税前收入里扣掉，先不用缴税。比如张姐年收 入二十来万，本来得按 10% 的税率交税，存满 1.2 万每年能先省一千多，等退休领的时候再交 3% 的税就行，里外里还是赚 了。但我那刚毕业的表弟就觉得不划算，他工资刚够缴税起征点，存进去反而退休时要多交 3% 的税，干脆没开。 前几天工位隔壁的张姐突然凑过来问我："你开个人养老金账户没？银行说缴满 1.2 万能抵税，这跟咱交的社保养老金是一回 事不？" 说实话我当时也懵了，只知道去年底这政策就全国铺开了，身边好多人被银行的开户礼吸引着开了户，但真说清区别的没几 个。后来跟做财务的表哥聊了聊才整明白，这俩玩意儿差得可太远了。 先说说咱最熟的社保养老金，就是每个月工资里扣的那笔钱。这东西是强制性的，上班的话公司给交大头，自己掏小头；没上 班的灵活就业人员就得全 ...

0:00 视频指导：曾婷芳 活期、定期、基金，黄金、理财、彩票……到底什么才是Z世代年轻人的心头好？通过真实访谈，我们 发现了一些不一样的答案。年轻人真的爱存定期吗？对理财产品有怎样的吐槽？飞钱说首期街采，看五 位Z世代真谈钱！ （应受访者要求，视频中均使用化名） 栏目统筹：耿雁冰 栏目策划：杨希 编辑：杨希 边万莉 采访：彭伊凡 余姿桦 出品：飞钱说工作室 视频制作：马名扬 设计：王冰 ...

Core Points - The core focus of the news is the financial education initiative by Minsheng Bank's Liaocheng branch aimed at enhancing community residents' financial literacy and consumer rights protection [1][2] Group 1: Financial Education Initiative - Minsheng Bank's Liaocheng branch conducted a "Financial Education Promotion Week" in local communities to promote financial literacy [1] - The initiative emphasized the "three appropriateness" requirements related to financial products, sales channels, and target customers [1][2] - The bank staff used presentations and real-life examples to explain how to choose suitable financial products and identify misleading promotions [1] Group 2: Community Engagement - The event included interactive Q&A sessions where residents actively participated and raised practical questions about financial products [1] - Staff provided detailed answers to questions regarding risk assessment of investment products and handling unsuitable product recommendations [1] Group 3: Future Plans - Minsheng Bank's Liaocheng branch plans to continue innovating its promotional methods and expanding the reach of financial knowledge dissemination [2] - The bank aims to contribute to building a safe and harmonious community financial environment [2]

Group 1 - The core theme of the event was to enhance the financial literacy of teachers at Yanzhong No. 1 Middle School, focusing on building a financial risk "protection wall" [1] - The event included practical discussions on common financial scenarios such as investment planning, mortgage repayment, and credit card usage, ensuring the content was relevant to the teachers' needs [1] - A senior financial lecturer explained basic financial concepts using simple language and illustrated the principle of "high returns accompany high risks" through comparisons of different investment products [1] Group 2 - During the interactive session, teachers actively asked questions about topics like the benefits of early mortgage repayment and how to calculate credit card installment fees, with staff providing detailed answers [2] - The event attracted over 20 teachers, distributed more than 30 informational materials, and conducted a survey indicating that 95% of teachers gained a clearer understanding of financial rights protection [2] - The bank plans to continue addressing the needs of the teacher community by launching an online "Financial Knowledge Classroom" to regularly provide practical information and enhance financial rights protection [2]

Group 1: Market Insights - The combination of "low deposit rates + high investment returns" is insufficient to attract residents' deposits into the market from both relative and absolute return perspectives[2] - China's excess savings are approximately zero, contrasting with the large excess deposits seen in other markets[3] - The increase in savings rate and decrease in deposit proportion reflect a change in risk preference among residents[4] Group 2: A-Share Market Dynamics - The current A-share market rally is more akin to an "emotional bull market" driven by increased risk appetite rather than a substantial influx of resident deposits[4] - For A-shares to reach new highs, a recovery in earnings is necessary to solidify optimistic sentiment and transition into a "slow bull" market[4] - The expectation of a significant influx of resident deposits into the market lacks triggering conditions in the short term[4] Group 3: Financial Data Analysis - In July, resident deposits decreased by approximately 1.1 trillion yuan month-on-month, with a year-on-year reduction of about 780 billion yuan, raising market concerns[21] - The decrease in resident deposits was primarily due to a 92% contribution from a decline in demand deposits, while time deposits only decreased by 85 billion yuan[21] - In August, resident deposits increased by about 110 billion yuan, indicating a lack of large-scale market entry from deposits[22]

Core Viewpoint - The report emphasizes the role of platform economy in enhancing inclusive finance, highlighting the need for a stakeholder perspective to ensure sustainable growth in the future [1][3]. Group 1: Digital Payment and Credit Accessibility - The platform economy has significantly advanced digital payment in China, with the usage rate among adults rising from 49% to 89% over the past decade [1]. - The proportion of adults obtaining credit from formal financial institutions increased from 20% to 41% in the same period, driven by technological innovations in digital risk control and alternative data applications [1]. Group 2: Employment and Economic Impact - Platforms have reshaped resource allocation efficiency by reducing transaction costs and enhancing matching efficiency, leading to the online transformation of various economic activities [2]. - The development of platforms has created new job opportunities, improved employment matching efficiency, and integrated employment resources, contributing to rural development and entrepreneurship [2]. Group 3: Financial Well-being and Consumer Focus - The report suggests that the focus should shift from mere accessibility to enhancing consumer financial well-being, particularly in the insurance and wealth management sectors [3]. - It highlights the importance of addressing issues such as data privacy and price discrimination, advocating for a shift towards "suitability" in services provided to consumers [3].

Core Insights - The platform economy in China has evolved from an "emerging phenomenon" to a "core driving force" over the past two decades, significantly impacting various industries and connecting millions of merchants, flexible workers, and a large consumer base [1] - The "China Inclusive Finance Development Report (2025)" highlights that the core value of the platform economy lies in its ability to reshape resource allocation efficiency through digital technology, reducing transaction costs and enhancing matching efficiency [1][2] - The report emphasizes the importance of transitioning from a "zero-sum game" mindset to building a "win-win ecosystem" to address the challenges posed by the platform economy [3] Summary by Sections Platform Economy Impact - The platform economy has become a fundamental operational mode in the national economy, enabling significant online economic activities such as shopping, transportation, and dining, while also fostering new business models like digital marketing and smart logistics [1] - It has played a crucial role in empowering small and micro businesses, promoting rural development, and facilitating entrepreneurship and employment [1] Financial Sector Exploration - Platforms have emerged as valuable complements to traditional financial institutions, leveraging their traffic, technology, and data advantages [2] - In the payment sector, the digital payment usage rate among adults in China has surged from 49% to 89% over the past decade, marking a significant upgrade from cash to mobile payments [2] - In the credit sector, the proportion of adults obtaining credit from formal financial institutions has increased from 20% to 41% due to innovations in digital risk control and alternative data applications [2] - Platforms have also enhanced consumer access to insurance and wealth management products through innovative channel strategies and embedded services [2] Challenges and Solutions - The report identifies new challenges arising from the platform economy's growth, advocating for a shift towards a collaborative ecosystem rather than a confrontational approach [3] - It highlights the need for addressing consumer concerns regarding data privacy and price discrimination, shifting the focus from mere availability to appropriateness of services [3] - The recognition of flexible workers as "ecosystem partners" is essential, along with efforts to improve social security coverage for this group [3]

Core Viewpoint - The article discusses the shift of household savings from bank deposits to financial assets such as stocks and funds due to a low interest rate environment, highlighting a significant increase in non-bank financial institution deposits in August 2025 [4][18][22]. Group 1: Economic Context - In August 2025, household deposits increased by 1.1 billion yuan, which is considered a low level for the year, while deposits in non-bank financial institutions, including securities, insurance, and funds, rose by 1.18 trillion yuan [18]. - The low interest rates on bank deposits are prompting individuals to seek alternative investment opportunities, as the returns are not keeping pace with inflation [8][22]. Group 2: Market Behavior - The stock market has become more active, attracting funds as many individuals are moving their savings into financial assets due to the low returns from bank deposits and stagnant real estate market conditions [15][16]. - The metaphor of "ants moving house" is used to describe the gradual transfer of funds from traditional savings to more lucrative investment options [17][22]. Group 3: Investment Sentiment - There is a growing enthusiasm for investing in stocks and funds among individuals, with some considering reactivating their stock accounts [12][20]. - The article emphasizes the need for caution, as the stock market can be volatile and the ability to generate consistent returns will depend on broader economic conditions and market opportunities [19][22].

Core Viewpoint - The Shandong Branch of Bank of China is actively promoting consumer rights protection and financial education through a series of initiatives, emphasizing the importance of safeguarding financial rights and enhancing the quality of life for consumers [1] Group 1: Financial Education Initiatives - The Shandong Branch has launched a "September Concentrated Education and Promotion Week" with 480 financial education teams engaging in various local activities to promote financial literacy [1] - Activities are tailored to local characteristics, with a focus on port cities like Rizhao, Yantai, and Weihai, addressing specific industry needs such as logistics and marine economy [2] - The bank is conducting targeted financial education in fishing villages, teaching fishermen about savings and investment strategies to protect their earnings [2] Group 2: Community Engagement and Collaboration - Local branches are encouraged to collaborate with regulatory bodies to host financial education events, enhancing community engagement through performances and interactive sessions [3] - The bank is utilizing a "grid-based" approach to reach various commercial areas, educating the public on common scams and promoting rational investment concepts [3] - In rural areas, the bank is using local dialects and informal settings to deliver anti-fraud education, making financial literacy accessible to all [4] Group 3: Innovative Outreach Methods - The bank is integrating financial education with the back-to-school season, launching initiatives like the "First Lesson of School" to educate students on financial safety and fraud prevention [5] - Collaborations with local media have been established to broadcast financial education programs, enhancing public awareness and trust in financial institutions [6] - The bank aims to continuously improve its outreach methods, ensuring that financial education is impactful and resonates with the community [6]

Group 1 - The core message of the news is that Guangfa Bank Longkou Branch is actively promoting financial education to protect consumers from financial fraud and enhance their understanding of financial products [1][3] - The slogan for the financial education campaign is "Protect Financial Rights, Assist a Better Life," emphasizing a people-centered approach [1] - The bank organized an event on September 15, 2025, at Longkou Market to educate the public about preventing financial fraud, which attracted a significant number of attendees [1] Group 2 - The staff conducted a small financial classroom session focusing on common financial fraud methods and prevention strategies, using recent case studies as examples [3] - Topics covered included prevalent fraud areas such as "pension, tourism, and healthcare," as well as tactics like phone scams and phishing [3] - The event was well-received, with attendees expressing that they gained valuable insights, highlighting the bank's commitment to customer care and financial safety education [3]