暮色映照紫禁城，金融润泽夕阳红。当越来越多的银发身影从容漫步在城市的街头巷尾，养老金融的社 会价值和重要意义不言而喻。让金融活水润泽养老事业沃土，中国农业银行北京市分行（以下简称"农 行北京分行"）秉承"让更多老年人共享改革发展成果"初心，依托"3+2"养老金融服务体系，在支持构建 多层次养老保险体系、扶持养老产业发展、加强适老化金融服务等领域深耕细作，不断丰富养老金融产 品和服务供给。从社保业务办理的"最后一公里"到智慧助餐的"刷脸结算"，从养老院建设的资金支持到 普及金融知识的"乡村快闪"，农行北京分行用专业与温情编织起一张覆盖"老有所养、老有所依、老有 所乐、老有所安"的金融保障网，在首都大地上描绘出一幅"京"彩晚年的幸福画卷。 三柱鼎立"夯基石" 为了让更多人享受到政策红利，农行北京分行精心编制《养老金批量开户全流程操作手册》，通过集中 培训、线下辅导等方式提升网点服务能力。目前，该行可提供储蓄、理财、基金等700余款养老财富管 理产品，从稳健型存款到多元化投资组合，满足不同年龄段、不同风险偏好人群的需求。 此外，农行北京分行还建立和完善养老金融上门服务体系，不断满足个人养老差异化需求。围绕政务机 关 ...

Core Insights - The company reported a revenue of 249 million yuan and a net profit of 8.87 million yuan for the first half of 2025, indicating a solid financial performance [1] - The new contract amount for "social security operation and big data services" increased by 12.87% year-on-year, reflecting the effectiveness of the company's strategic focus in social security card services and AI applications [1] Group 1: Business Performance - The company participated in the issuance of the third-generation social security card in nearly 170 cities, with a year-on-year increase in issuance volume of 20.47%, expanding its reach into county and rural areas [1] - The company aims to upgrade the social security card from a "card" to a "digital platform," enhancing services related to social security payments, benefit collection, and medical settlement [1] Group 2: Technological Integration - The company has integrated AI technology into core livelihood scenarios, improving service efficiency and user experience [1] - The "AI Employment Counselor" was launched, covering over 200,000 college graduates, providing comprehensive intelligent services such as resume optimization and interview simulations [2] Group 3: Strategic Partnerships and Services - The collaboration with China UnionPay for "seamless medical payment" has been implemented in over 100 top-tier hospitals in Guangzhou, with more than 2.5 million signed users [2] - The company’s self-developed "Zhiwei Jieyu" model has been approved by national cybersecurity authorities, enhancing government service efficiency by over 40% in various provinces [2] Group 4: Future Focus - For the second half of 2025, the company aims to maintain cash flow and profit while enhancing team efficiency, focusing on three main areas: consolidating social security card services, strengthening AI applications in digital employment and government services, and accelerating the commercialization of data operations [2]

Core Viewpoint - The Shenzhen Human Resources and Social Security Bureau has announced the discontinuation of the first-generation social security card, urging insured individuals to replace it promptly with the new versions [1]. Group 1: Social Security Card Updates - The first-generation social security card has been inactive since August 2021, when the National Medical Security Information Platform was launched in Shenzhen, making it unusable for outpatient accounting and hospitalization settlement [5]. - The second-generation and third-generation social security cards both include financial functions, with the financial functionality typically valid for 10 years [5]. - It is recommended that holders of the second-generation card replace it with the third-generation card three months before the financial function expires to avoid any disruption [5]. Group 2: Application Process for the Third-Generation Card - There are two methods to apply for the third-generation social security card: in-person at designated bank branches or online through the "Shenzhen Human Resources" WeChat account or Alipay mini-program [7][8]. - The banks that support in-person applications include major institutions such as Bank of China, Agricultural Bank of China, and others, with instant card issuance available at select locations [7]. - Online applications can be made through the WeChat account or the Alipay mini-program, with specific banks designated for processing applications for foreign and child social security cards [8]. Group 3: Functions of the Social Security Card - The social security card serves multiple purposes, including as a medical insurance card for settling medical expenses, thus reducing waiting times and eliminating the need for upfront payments [11]. - It acts as a service card for insurance registration, account inquiries, and benefit claims, and is integrated with employment services, allowing for unemployment registration and cross-province services [12]. - The card also functions as a public service card, enabling access to various local services such as public transport, parks, and libraries, contributing to the development of a smart city [13]. - Additionally, the card includes banking features, allowing for deposits, withdrawals, transfers, and the receipt of various social benefits, streamlining processes for users [14]. Group 4: Employment and Insurance Services - The social security card is linked to employment services, allowing users to register for unemployment, apply for training subsidies, and receive various employment support benefits directly to their bank accounts [16]. - For pension services, cardholders can manage retirement applications, self-certify eligibility, and make online contributions to pension funds [18]. - In terms of workers' compensation, the card facilitates the registration and claims process for work-related injuries, simplifying documentation and enabling direct settlement of medical expenses [20]. - The card is also recognized as valid identification for national professional qualification exams, allowing candidates to use it for registration and entry into examination venues [22].

本月起，北京市个人参保人员可自愿申请换发第三代社保卡，功能全面升级，真正实现"一卡多用"！ 新卡有哪些新功能？ 社保办事：就医、参保等基础功能保留 交通出行：贴卡刷公交、地铁 公园年票：贴卡入园 金融服务：支持存取款、消费、充值等 不仅是"一卡多用"，在京津冀三地，持三代社保卡还可以"一卡通行"。 44项人社服务事项"一卡通办" 6.4万余家医疗机构就医费用"一卡通结" 3900多条交通线路"一卡通乘" 193家图书馆"一卡通阅" 如何申领？ 线上办理：登录"北京人社"官网/公众号、北京民生一卡通、"京通"小程序等办理 193家旅游景区"一卡通游" 25家博物馆"一卡通览" ● 线下渠道 区、街两级社会保障卡服务网点 1 具体服务网点名单可登录北京市人力资源和 社会保障局官网查询。 线下领卡：合作银行网点领取，建议当场激活金融功能 邮寄领卡：社保功能可线上启用，但金融等功能需到银行补办 2 16家社会保障卡合作银行服务网点 (E3) 工商银行 (¥) 农业银行 (9)中国银行 C 建设银行 ▷ 交通银行 # 中信银行 Bank 光大银行 C 华夏银行 S 民生银行 ▲ 广发银行 (△) 招商银行 [△ 浦发银 ...

8月1日起，北京市启动第三代社保卡第四批集中换发，面向以个人名义参加北京市社会保险的人员。第三代社保卡有何不同？哪些人可以申领？又该如何 申领？一文速览↓ 第三代社保卡有何不同？ 相比前两代社保卡 第三代社保卡在 安全性、功能性和便捷性上全面优化↓ 技术更强 采用更先进的加密技术（国密算法），防伪防盗更可靠，支持"非接触"刷卡。 功能更多 基础服务：保留原有就医购药、自助查询等基本功能； 生活服务：增加了交通出行、公园年票、金融服务等功能； 身份凭证：可作为身份凭证，凭卡办理人力社保领域的各项服务事项。 此外，第三代社保卡在政务服务、文化旅游等方面的场景持续拓展，京津冀社会保障卡居民服务"一卡通"建设加快推进，逐步实现三地社会保障卡跨省域 通用、一卡多用、线上线下场景融合发展。 哪些人可以申领？ 电子社保卡是社保卡的线上形态，与实体社保卡一一对应、功能相通。电子社保卡的申领条件是持卡人已经领取实体社保卡且实体社保卡未注销。 如何申请换领？ 线上申领 个人参保人员可通过北京市人社局官方网站、京通小程序、"北京人社"微信公众号、北京民生一卡通微信小程序等线上渠道办理。 18周岁以下未成年人，由其监护人代为办理申领 ...

Core Points - The city has issued a total of 7.68 million third-generation social security cards, enhancing convenience and benefits for citizens [2] - The social security card has been integrated into various sectors, including healthcare, transportation, and cultural tourism, allowing for seamless services [3] - Future plans include leveraging AI and big data to analyze cardholder preferences and enhance personalized services [4] Group 1: Social Security Card Issuance - The third-generation social security card was first issued in January 2021, with ongoing efforts to promote its use and benefits [2] - A total of 7.68 million cards have been issued, with 9.35 million instances of "one card for all" services across various sectors [2] Group 2: Service Integration - The social security card can be used for direct settlement in all connected hospitals and pharmacies, with 76 hospitals offering work-related injury settlements [3] - Public transportation, including buses, taxis, and shared bicycles, accepts the social security card, providing discounts for specific groups [3] - Over 50 cultural and tourism sites allow entry using the social security card, facilitating easy access to recreational activities [3] Group 3: Future Developments - The city plans to strengthen cooperation with financial institutions to enhance social security card services [4] - There is a focus on utilizing new technologies to analyze user preferences and improve data security management [4] - The goal is to increase the "convenience index" for cardholders, thereby enhancing their overall satisfaction [4]

作者郑嘉意 编辑松壑 行至下半场的社保卡"抢户大战"，激烈度骤然上升。 自2021年第三代社保卡进入全国推广阶段，上到国股行、下至城农商行，已全面打响开户竞赛，通过预约、优惠、赠送权益等多种方式锁定客户； 各行"自掏腰包"补贴的意图，则在于通过民生入口获取低成本负债资金、拓展业务场景。 来自四年前的硝烟，直到2025年仍未消散。 以下文章来源于信风TradeWind ，作者郑嘉意 信风TradeWind . 关注资本市场的趋势与发展 一位国有大行华北地区分行网点负责人对信风表示，新卡功能多、更换便利，业务高峰期进展顺利。 "虽然头上有KPI，但二代卡集中到期，新卡功能又好，通知后用户主动来办理的比较多。"该负责人表示，"我们当地的居民基本已经在前两年完成换卡。" 另一位国有大行华南地区员工对信风证实，"换卡业务不难做。" 其表示"我们行和特别多社区都有合作，轮岗的时候都会有居民主动来办理。" 以苏州地区为例。 今年5月，北京人社局启动第三代社保卡第三批集中换发，面向东城区、朝阳区、门头沟区和密云区四个区的参保单位，涉及在职职工300余万人 ； 几乎同期，以 工、农、中、建、交、邮储六大行北京分行为代表的多家银 ...

Core Viewpoint - The Beijing Municipal Human Resources and Social Security Bureau has announced the launch of the third batch of centralized social security card replacements, targeting over 3 million employed individuals in four districts [1] Group 1 - The replacement initiative is focused on the Dongcheng, Chaoyang, Mentougou, and Miyun districts [1] - The replacement process will be organized by the respective units and can be applied for through various online channels, including the official website and WeChat mini-programs [1] - Employed individuals in the 13 administrative districts that have already started the replacement process can continue to apply during this third batch [1]

Group 1 - Beijing has launched the third batch of centralized issuance of the third-generation social security card, targeting over 3 million employees in four districts: Dongcheng, Chaoyang, Mentougou, and Miyun [1] - The issuance process is organized by employers and can be applied for through various online channels, including the official website of the Beijing Human Resources and Social Security Bureau and WeChat mini-programs [2] - The third-generation social security card will be produced within 30 calendar days from the application date, with two options for card collection: at a designated bank service point or via postal delivery [2] Group 2 - The original social security card can still be used until the new card is activated, and there is no expiration date for the original card, ensuring that pension payments and other social security functions remain unaffected [3] - Future phases of the centralized issuance will include personal insured individuals and retirees, with the fourth batch starting in August 2025 and the fifth batch in October 2025, leading to a normalization of the issuance process from January 2026 [3] - The Beijing Human Resources and Social Security Bureau advises individuals to protect their personal information during the application and usage of the new card, warning against potential scams [3]

从市场传播看，我们希望市场投资者能对公司更加有信心，在 2024 年年报披露中，针对 2022 年的回购股份公司同步推出了员 工持股计划，经过两年的打磨和转型，公司业务目标更加明确， 实施员工持股计划将充分调动骨干力量的积极性。员工持股计划 中的考核目标，虽不代表公司的业绩承诺，但公司业务团队对达 成目标充满信心。 二、问答环节 问题 1：公司如何看待主营业务社保服务这几年相对下降情况？ 未来几年第三代社保卡（以下简称"三代卡"）的发卡节奏会加 快吗？ 证券代码：002908 证券简称：德生科技 广东德生科技股份有限公司 投资者关系活动记录表 编号：2025-003 | 投资者关系活动类 | 特定对象调研 分析师会议 | | --- | --- | | 别 | □媒体采访 业绩说明会  | | | □新闻发布会 路演活动 | | | 现场参观  其他（电话会议） | | 参与单位名称及人 | 同泰基金、鸿运私募、创富兆业、磐厚资本、明豪能源公司、望 | | 员姓名 | 睿投资、IncTar Cap、九祥资产、广东数联、润桂投资、果行育 | | | 德公司、云众创融、浙商资管、广发证券、东北证券、国 ...