南方财经全媒体记者 林汉垚 随着人口老龄化持续加深，我国养老领域制度体系日益健全，服务供给持续优化，产业生态协同推进。 即将到来的"十五五"时期，将是我国人口老龄化水平快速提升的关键阶段，养老保障体系亟需适应更庞大的服务需求、应对更复杂的结构变 化，而银发经济也在此过程中迎来广阔发展机遇。 国民养老党委书记、总经理黄涛指出，我国养老体系正从"老有所养"向"老有幸福"转型，但供需仍存在结构性错配，需兼顾"有没有"与"好不 好"的双重目标。 城市养老水平仍存明显区域、群体差异 《发现》显示，中国城市养老从"基础覆盖"迈向"质量提升"新阶段，总体仍有提升空间，同时区域梯度明显；养老公共服务均等化取得显著成 效，"养老财富储备"与"银发经济发展"成为城市排名"分水岭"，需构建"制度—服务—产业—环境"协同发展的生态体系，通过政府、市场、社 会与个人的共同参与，实现"有备而老、有质而老"的和谐养老愿景。 金融企业需聚焦居民多元养老需求 发展养老金融，是促进中国特色金融和养老事业高质量发展良性循环的重要着力点。 而"十四五"时期，我国居民的金融养老需求发生了显著变化。 截至2024年底，我国60岁及以上老年人口已达3.1 ...

Core Viewpoint - The commercial pension business, a new pilot initiative for 2023, is rapidly developing, with Guomin Pension Insurance Co., Ltd. emerging as a key player in the market [1][2]. Group 1: Strategic Development Focus - The commercial pension business is a crucial part of the commercial insurance annuity system, aimed at providing comprehensive services such as account management, planning, and risk management for retirement [2]. - Guomin Pension positions its commercial pension business as an innovative financial solution for the public, contributing to the diversification of retirement financial products and addressing the needs of an aging population [2]. - The company emphasizes its commitment to the national strategy for addressing population aging, aligning with upcoming regulatory frameworks that promote the development of commercial pension products [2]. Group 2: Business Performance and Growth - As of the end of 2024, Guomin Pension managed 438,000 commercial pension accounts, with a sales amount of 35.386 billion yuan for the year, both indicators showing over a fivefold increase year-on-year [3]. - The company has adopted a "dual account + product" structure for its commercial pension business, balancing long-term savings with liquidity [4]. - Guomin Pension has established a diverse product system, including liquidity management, fixed income, and mixed products, to meet the varied needs of clients [5]. Group 3: Customer Engagement and Service - The company employs a multi-channel strategy to reach customers, partnering with 21 banks and launching its services across 27 channels, with the highest customer numbers in Guangdong, Jiangsu, and Shanghai [5]. - The "Zhao Qian Sun Li" service brand, launched in March 2024, aims to provide comprehensive retirement planning services, addressing the growing demand for effective wealth management solutions among residents [7][8]. - As of April this year, the "Zhao Qian Sun Li" service has reached over 150,000 users, providing services to nearly 300,000 individuals, and has gained recognition from channel partners [8].