（文章来源：新华财经） 工商银行还组建了"三支养老服务队伍"，为服务体系注入人文温度。一是在每个网点配备至少1名"养老 服务顾问"，负责政策解读、产品推荐和资源对接。二是邀请退休员工作为"养老服务体验志愿者"，从 用户视角优化流程和产品，已收集采纳1500余条宝贵建议。三是组建"青年志愿者团队"，深入社区开展 防诈宣传、业务办理等服务，充分展现工商银行的青年力量。 此外，工商银行持续创新多元金融产品，提供"N种养老服务产品"，满足各类需求。在对公方面，"工 银养老金"服务为企业年金提供一站式服务，目前管理的企业年金规模超1.7万亿元。针对养老机构融资 难问题，工商银行推出了"养老REITs"服务，并打造了免费、安全的"银发产业云"平台，服务于政府、 机构和个人。此外，在养老产业贷款方面，针对不同类型的客户提供不同的贷款产品。个人方面，工商 银行为55岁以上"长辈客群"打造了"工银爱相伴"品牌服务体系。 工商银行还依托庞大的网点和先进的线上平台优势，积极打造线上线下两个服务阵地，着力提升服务的 可得性与便捷性。在线下，工商银行启动"百千万工程"，计划打造百家养老金融旗舰网点、千家养老金 融标杆网点和万家养老金融 ...

近年来，山东工行坚持党建引领、推进"五化"转型，纵深实施"双357"战略，团结一心、奋勇拼搏，在 服务现代化强省建设中推进经营加快向好，交出成色十足的工作答卷，有力满足了人民群众和实体经济 多样化的金融需求。 追"新"逐"质" 因地制宜服务新质生产力发展 在全球科技革命与产业变革加速的背景下，"新质生产力"成为推动中国经济转型升级的核心引擎。山东 工行聚焦科技创新、智能制造等新质生产力关键领域，制定助力发展新质生产力实施规划，用好科技金 融专营机制，通过推动科技创新与大规模设备更新为培育新动能、构建现代化产业体系注入强劲金融动 力。 服务好科技创新和大规模设备更新是一项系统工程，山东工行积极尝试探索，在省委金融办和各行业主 管部门的指导帮助下，紧抓重要窗口期，用好政策工具，把支持科技创新与大规模设备更新同发展新质 生产力有机结合起来，聚焦科技创新、产业升级、中小微企业培育等领域，实现了对新质生产力的精准 滴灌，形成了一批具有示范意义的实践成果。 在科技创新贷款方面，推出山东工行特色"科创e贷""积分贷""科创研发贷"等创新场景，借助山东省科 技成果转化贷款和"人才贷"分险增信机制，开展千企万户大走访、科技型企 ...

Core Insights - The smart elderly care industry is emerging as a vital sector that integrates modern technology into elderly services, addressing the diverse needs of the aging population in China [1] - Financial support from commercial banks is crucial for the development of the smart elderly care industry, especially during its initial and research phases [1] Group 1: Current Support Models by Commercial Banks - Cross-industry integration is being explored, with banks collaborating with insurance companies to innovate financial services for elderly care [2] - Diverse financial services are required due to the multifaceted nature of the smart elderly care industry, which includes rehabilitation equipment manufacturing and high-end medical technology [2] - Banks are establishing smart elderly care financial service systems by partnering with elderly service institutions and leveraging financial technology [3] Group 2: Risk Management and Credit Classification - Digital management of business risks is essential for enhancing the efficiency of elderly care financial services [4] - Commercial banks are categorizing credit applicants based on the characteristics of the smart elderly care industry, offering tailored financial products [5] Group 3: Financing Challenges in the Smart Elderly Care Industry - The industry faces challenges in securing precise financial services due to its diverse and specialized business models [6] - The valuation of intangible assets in smart elderly care companies is difficult, complicating the provision of bank services [7] - Many smart elderly care enterprises have limited financing sources and face challenges in adapting to traditional bank approval processes [7] Group 4: Strategic Recommendations for Commercial Banks - Banks should closely monitor national policies supporting the smart elderly care industry and align their services accordingly [8] - There is a need for banks to enhance their understanding of the market dynamics within the smart elderly care sector to better meet the financial needs of enterprises [9] - Large commercial banks should leverage their full-service capabilities to provide comprehensive financial solutions to smart elderly care companies [10] Group 5: Risk Prevention Strategies - Banks must implement various measures to enhance risk prevention capabilities for smart elderly care enterprises, utilizing policy financing tools to reduce costs [11] - The use of AI and big data technologies can help banks analyze industry data and identify potential risks [11]

Core Viewpoint - The event aims to promote the development of the silver economy and enhance the well-being of the elderly, showcasing the financial services provided by the Industrial and Commercial Bank of China (ICBC) in the elder financial service sector [1][5]. Group 1: Event Overview - The 2025 Jilin (Changchun) Silver Economy Expo and Medical Health Industry Conference was held on July 25, focusing on new trends and opportunities in the silver economy [1]. - The theme of the expo was "New Silver Economy, New Future of Health and Care," attracting industry elites and experts to discuss innovative models and developments in the medical and health industry [1]. Group 2: ICBC's Participation - ICBC Jilin Branch actively participated in the expo, showcasing its comprehensive layout and achievements in elder financial services [1][3]. - The branch provided detailed explanations of various elder financial products, enhancing visitors' understanding and trust in their services [3]. Group 3: Financial Services Strategy - ICBC Jilin Branch recognizes the silver economy as a stable industry and a significant business opportunity, responding to national calls to enhance elder financial services [5]. - The branch plans to increase financial support for the elder care industry through a comprehensive investment model, including loans, bonds, equity, agency, leasing, and consulting [5]. - The bank aims to support new technologies and business models in elder care, allowing users to easily manage their elder assets through mobile banking [5]. Group 4: Comprehensive Wealth Management - ICBC Jilin Branch offers a full lifecycle wealth management service for elder clients, integrating savings planning and pension withdrawal services [6]. - The total scale of various pension businesses at the branch has exceeded 20 billion yuan, with over 128 personal pension products and more than 600,000 accounts opened [6]. - The branch has established a network of financial service points, including flagship and benchmark outlets, to provide convenient services and social engagement for the elderly [6]. Group 5: Future Plans - ICBC Jilin Branch will continue to innovate in elder financial services, aiming to provide more convenient and efficient financial solutions for the elderly in Jilin Province and nationwide [7].

Core Insights - The article highlights the initiatives taken by the Shandong branch of the Industrial and Commercial Bank of China (ICBC) to support high-quality financial services that drive economic and social development, particularly in technology innovation and green finance. Group 1: Financial Services for Technology Innovation - Shandong ICBC has developed a comprehensive plan to support new productive forces, focusing on technology innovation and large-scale equipment upgrades, with strategic emerging industry loans exceeding 200 billion yuan, ranking first in the industry as of May 2025 [2][3]. - The bank has introduced various innovative loan products such as "Sci-Tech e-loan," "Points Loan," and "Sci-Tech R&D Loan" to meet the financing needs of technology enterprises [3]. Group 2: Equity Investment and Collaboration - Shandong ICBC has actively participated in the "Financial Direct to Grassroots Acceleration" initiative, approving loans exceeding 169.5 billion yuan for 355 projects across 14 cities, with a total disbursement of over 60 billion yuan [4]. - The establishment of the Jinan Gongrong Guohui Equity Investment Fund, with a total scale of 1 billion yuan, aims to invest in strategic emerging industries within Shandong province [4][5]. Group 3: Green Finance Initiatives - The bank has launched innovative green financial products, such as marine carbon sink expected revenue rights pledge loans, to enhance financing channels for enterprises while promoting ecological sustainability [6][7]. - The "Lushan Bay Oyster Integration Development Demonstration Zone Project" received a 50 million yuan loan, marking the first marine carbon sink expected revenue rights pledge loan in Shandong province [7]. Group 4: Inclusive Finance for Small and Micro Enterprises - The "Qilu Xingnong Loan" product, tailored for agricultural needs, has seen a loan balance exceeding 6.3 billion yuan, with a growth rate of over 38% since the beginning of the year [8]. - The bank has implemented an automated and streamlined approval process for financing applications, enhancing accessibility for small and micro enterprises [8]. Group 5: Elderly Care Financial Services - The "Silver Industry Cloud" platform provides a comprehensive range of financial services for the elderly, integrating various aspects of elderly care and management [9]. - The platform aims to enhance operational efficiency and service quality in elderly care institutions, with plans to add 43 new clients by 2025 [9]. Group 6: Digital Financial Innovations - Shandong ICBC has developed a "Smart Agricultural Service Platform" based on open banking and digital currency smart contracts, providing integrated financial services for rural revitalization [10][11]. - The platform addresses key issues such as online business operations and fund supervision, significantly improving transaction efficiency and control [11].