Core Viewpoint - Guangzhou is promoting high-quality development in the pension finance sector through a set of measures aimed at expanding direct financing channels for pension industry enterprises [1][2]. Group 1: Demographics and Current Status - As of the end of 2024, Guangzhou's population aged 60 and above is 2.1292 million, indicating a transition into a moderately aging society [1]. - The basic pension insurance system in Guangzhou is maturing, with efforts underway to achieve "full coverage of the system" and "full coverage of individuals" [1]. - A total of 3,015 enterprises have established enterprise annuities, covering 510,000 employees [1]. Group 2: Key Measures for Pension Finance Development - The "Pension Finance Twelve Measures" outlines important tasks for the development of pension finance in Guangzhou, including support for financial institutions to provide comprehensive management services for basic pension insurance, enterprise annuities, occupational annuities, and personal pensions [1]. - There is an emphasis on enriching the supply of financial products for the third pillar of pension insurance (personal pensions) and promoting the development of financial products with pension attributes [1]. - Financial institutions are encouraged to establish dedicated pension finance departments or specialized institutions to support the development of the pension industry [1]. Group 3: Financing and Investment Opportunities - The measures support eligible pension industry enterprises to expand direct financing channels through methods such as listing, issuing bonds, and exploring the issuance of real estate investment trusts (REITs) in the pension sector [2]. - There is a focus on enhancing cross-border investment and financing facilitation, particularly in collaboration with Hong Kong and Macau to develop cross-border pension financial products and medical insurance products [2]. - Insurance companies are encouraged to invest steadily and participate in the development of home-based, community, and institutional elderly care services [2].

Group 1 - The core viewpoint of the news is the introduction of measures by various financial regulatory bodies in Guangzhou to promote the high-quality development of pension finance [1][2][3] - The measures aim to enrich the supply of third-pillar pension financial products, encouraging financial institutions to develop pension-related funds, wealth management, and insurance products tailored to individual risk preferences [1] - Banks are encouraged to develop exclusive personal pension savings products and to provide customized family trust services, thereby enhancing the personalized pension needs of different demographics [1] Group 2 - There is an emphasis on increasing financing support for the elderly care industry, with financial institutions encouraged to establish dedicated pension finance departments and provide credit support for elderly products, infrastructure, and smart elderly care equipment [2] - Financial institutions are urged to explore financing models that support the entire elderly care industry chain while ensuring risk control, promoting collaboration between financial and elderly care industry organizations [2] - The measures also support the expansion of direct financing channels for eligible elderly care enterprises through listings, bond issuance, and regional equity markets [3] Group 3 - The establishment of a silver economy investment fund by state-owned enterprises is encouraged, focusing on seed and early-stage innovative companies in the elderly care sector [3] - The news highlights the exploration of real estate investment trusts (REITs) for eligible projects in the pension sector and the facilitation of cross-border financing for elderly care enterprises [3] - Local financial organizations are encouraged to provide diversified financial services tailored to the needs of the elderly care industry [3]

4月22日，兴业银行家族办公室升级发布会在上海成功举办。发布会以"兴承美好 家企共赋"为主题，本 次家族办公室服务升级聚焦超高净值客户在个人、家族及企业层面的多元需求，迭代升级客户服务体 系，标志着兴业银行在深化客户服务领域迈出了战略性的一步。 兴业银行副行长张旻在发布会上表示，这次家族办公室服务体系的全面升级，正是兴业银行应对财富管 理市场深层变革的一次战略重构。兴业银行将依托集团多牌照协同优势，深化"商行+投行"战略，赋能 客户家族企业的产业升级，助力新质生产力培育。同时，兴业银行作为国内系统重要性银行，将以"金 融向善"的担当，让财富成为推动社会进步的强大正能量。 据介绍，兴业银行此次重点推出家族办公室六大中心服务模式，在原有财富管理服务信托业务和企业家 综合金融服务的基础上，整合集团资源，通过构建"家族传承、财富管理、法税咨询、企业融智、寰宇 服务、悦享生活"六大核心中心服务，深入洞察超高净值客户个性化、多层次需求，提供更加系统化、 定制化的高端综合金融解决方案。 在家族传承服务方面，兴业银行重点打造"家族宪章、家族信托、继承人培养及慈善规划"四大核心业 务，通过覆盖全资产类别的家族信托架构、个性化分 ...