11月27日，省政府新闻办举行新闻发布会，邀请中国人民银行山东省分行主要负责同志等介绍山东省金 融服务养老事业和银发经济情况。记者在发布会上了解到，个人养老金制度全面实施马上期满一年，山 东金融监管局在推动个人养老金制度落地方面逐步探索出一条适合山东省情的个人养老金发展道路。截 至10月底，辖区个人养老金开户数已突破1000万户；推出相关金融产品超500款，涵盖储蓄、保险、基 金、理财等多类型产品；开户人员年龄主要集中在中年人群，30—50岁开户人数占比近60%。 国家金融监督管理总局山东监管局二级巡视员刘长霞表示，个人养老金制度是我国"第三支柱"养老保险 的重要制度性安排，我省个人养老金体系自2022年11月启动试点，2024年12月全面推开，在此过程中， 山东金融监管局引领银行保险机构认真落实政策要求，积极满足人民群众多样化养老需求，主要举措体 现为"三多"： 一、多渠道加强宣传推广。积极组织辖区银行保险机构做好"线上+线下"多渠道、多维度宣传。"线 上"方面，充分利用官网、手机银行、微信公众号等方式宣传个人养老金知识，普及具体操作流程，广 泛发布新闻，精准推送信息。"线下"方面，组织开展养老金融知识进企 ...

Core Viewpoint - The People's Bank of China and the Ministry of Agriculture and Rural Affairs have jointly issued an opinion to enhance financial services for rural reform and promote comprehensive rural revitalization [1][2]. Financial Resource Investment - The opinion emphasizes increasing financial resource investment in key areas of rural revitalization, including enhancing financial security for food production and supporting agricultural infrastructure [2]. - It calls for sustained financial support for poverty alleviation areas, maintaining credit supply without reduction, and optimizing financial support models for farmers [2]. Financial Services for Rural Development - The document outlines the need to deepen financial services for rural industries, innovate financing models for local products, and expand financial product offerings to support farmers' income [2]. - It highlights the importance of improving financial service levels for rural construction through diverse financing solutions, including bonds and equity investments [2]. Governance and Risk Management - The opinion stresses the need to establish a robust financial service system for rural reform, encouraging local exploration of asset certification and mortgage registration [3]. - It advocates for enhanced credit management by financial institutions and the issuance of specialized financial bonds to support rural revitalization [3]. Future Directions - The People's Bank of China plans to strengthen collaboration with relevant departments to improve financial support for rural reforms and innovate financing mechanisms [3].