Core Viewpoint - Banks are progressively implementing regulatory measures for pre-collected funds from elderly care institutions, enhancing oversight and safeguarding elderly individuals' financial security [1] Group 1: Regulatory Developments - The Ministry of Civil Affairs and seven other departments issued guidelines to strengthen the regulation of pre-collected funds in elderly care institutions [1] - Xinyey Bank has become one of the first banks to collaborate with the Ministry of Civil Affairs, successfully launching the regulatory business in Tianjin [1] Group 2: Bank Initiatives - Xinyey Bank has completed the integration with the national elderly service information system and developed internal system modules to comply with regulatory requirements for managing pre-collected service fees, deposits, and membership fees [1] - By the end of September, Xinyey Bank has obtained regulatory qualifications in multiple regions, including Shanghai, Hebei, Jiangsu, Guangdong, and Hunan [1] Group 3: Technological Solutions - Several banks, including Everbright Bank, have developed platforms for managing pre-collected funds, such as the "Sunshine Golden Elderly Care" platform, which offers comprehensive monitoring and risk management features [1] - These platforms aim to enhance the efficiency and accuracy of regulatory oversight, effectively preventing illegal fundraising and fund misappropriation in the elderly care sector [1]

Core Viewpoint - China Everbright Bank is actively enhancing its cooperation with pension financial institutions to empower the high-quality development of the pension industry in response to the accelerating aging process in China [1][2] Group 1: Pension Financial Services - The bank is implementing a multi-level, cross-regional pension financial service system, focusing on digital regulatory solutions for local civil affairs departments [1] - The "Sunshine Pension" pre-collection fund supervision platform has been established to manage pension institution information, monitor payment funds, and provide risk warnings, ensuring the safety of elderly people's funds [1] Group 2: Technological Empowerment and Risk Management - The bank utilizes technology to identify, classify, and manage loans for pension institutions, significantly improving financial service efficiency and enhancing risk control and regulatory compliance [2] - By leveraging the advantages of the Everbright Group, the bank is exploring a new pension service ecosystem that integrates finance, government affairs, and industry [2] Group 3: Future Development and Commitment - The bank plans to strengthen policy response and product innovation under its two brands, "He Guang Yi Xiang" and "He Guang Yi Yang," to contribute to the coordinated development of the pension industry [2] - The bank aims to participate in the construction of pension industry standards and enhance its responsibility in serving the real economy and the public [2]

江南时报讯 随着我国老龄化进程持续加快，养老金融服务已成为服务民生保障、服务实体经济、落实 国家战略的着力点。中国光大银行积极贯彻党中央、国务院关于构建多层次养老服务体系的决策部署， 紧扣监管政策要求，以服务民政主管部门为核心，以科技赋能和系统对接为抓手，创新打造多层次、跨 区域的养老金融服务体系，助力养老产业健康稳健发展。 针对养老机构和企业客户，光大银行根据民政部发布的全国养老机构备案名单，以科技赋能实现对养老 机构的识别、分类打标和贷款合规管理，不仅大幅提升了对养老机构的金融服务效率，更强化了全行养 老金融业务的风险控制与监管合规能力，为养老产业提供更加精准、安全的信贷支持和综合金融服务。 此外，光大银行充分依托光大集团产融结合优势，联合实业、信托、保险等多业态资源，积极探索"金 融+政务+产业"的新型养老服务生态，形成覆盖养老金监管、机构融资、智慧养老、社区服务等多场景 的综合解决方案，全面提升养老产业服务质效。 下一步，光大银行将在集团养老金融"和光颐享"与养老服务"和光颐养"两大品牌双轮驱动下，继续加强 政策响应和产品创新，积极参与养老产业标准建设，以高水平金融服务助力养老事业与产业协同发展， 进 ...

Core Viewpoint - The aging process in China is accelerating, making pension financial services a focal point for social welfare, economic support, and national strategy implementation [1][2] Group 1: Pension Financial Services Development - China Everbright Bank is actively implementing the central government's decisions to build a multi-level pension service system, focusing on regulatory policy requirements and leveraging technology for system integration [1] - The bank has developed the "Sunshine Pension" pre-payment fund supervision platform to provide digital regulatory solutions to various levels of civil affairs departments, enhancing the safety of elderly people's funds [1] - As of June 2025, the bank has successfully bid for pension pre-payment fund supervision business qualifications in over 20 provinces and cities nationwide, establishing replicable regional cooperation models [1] Group 2: Financial Services for Pension Institutions - The bank utilizes technology to identify, classify, and manage compliance for pension institutions based on the national registry published by the Ministry of Civil Affairs, significantly improving financial service efficiency and risk control [2] - By leveraging the advantages of the Everbright Group's integration of finance and industry, the bank is exploring a new pension service ecosystem that combines finance, government services, and industry [2] - The bank plans to enhance policy response and product innovation under its two brands, "He Guang Yi Xiang" for pension finance and "He Guang Yi Yang" for pension services, contributing to the collaborative development of the pension industry [2]

随着我国老龄化进程持续加快，养老金融服务已成为服务民生保障、服务实体经济、落实国家战略的着 力点。中国光大银行积极贯彻党中央、国务院关于构建多层次养老服务体系的决策部署，紧扣监管政策 要求，以服务民政主管部门为核心，以科技赋能和系统对接为抓手，创新打造多层次、跨区域的养老金 融服务体系，助力养老产业健康稳健发展。 作为养老金融服务的重要一环，光大银行积极构建"阳光金养老"预收费资金监管平台，面向省、市、区 县各级民政主管部门提供数字化监管解决方案，守好老百姓的"钱袋子"。"阳光金养老"监管平台可实现 养老机构信息管理、缴费资金全流程监测、资金拨付审核与风险预警等多项功能，全面协助民政部门提 升监管的效率和精准度，有效防范养老服务领域非法集资和资金挪用风险，切实保障老年人资金安全。 截至2025年6月末，光大银行已成功中标全国20余个省市的养老预收费资金监管业务资格，并与南京、 重庆等多个重点城市民政管理机构完成系统对接，形成了一批可复制、可推广的区域合作样板。 针对养老机构和企业客户，光大银行根据民政部发布的全国养老机构备案名单，以科技赋能实现对养老 机构的识别、分类打标和贷款合规管理，不仅大幅提升了对养老机 ...