The four major industry performance conferences talk about pension finance: what else is there any layout of pension financial management and pension savings?

21st Century Business Herald reporter Li Yue Beijing report

As the General Office of the State Council issued the "Opinions on Promoting the Development of Personal Pensions" in April this year, personal pensions, other personal commercial pensions, and even pension finance have gradually become the focus of commercial banks.

How to seize the pension financial business of the strategic opportunity period, at the launch of the 2022 mid -term performance report conference in the near future, the four major executives responded to the outside world.

"For pension finance, we understand that it is a 'star sea." On the afternoon of August 29, the vice president of Agricultural Bank of Agricultural Bank of Agriculture, Lin Li, replied to the 21st Century Business Herald reporter in questioning that for Agricultural Bank of China, what to do is to do this This is "great" and transformed into "greatness" through solid professional services.

"From the perspective of national strategy and population aging, my country's development of pension finance is urgent." On August 31, Ji Zhihong, deputy president of Construction Bank, said at the industry's performance conference that for commercial banks Very obvious: On the one hand, the majority of customers who have deeply cultivated commercial banks for a long time are the targets of pension financial services; on the other hand, personal pension business has shifted from product system to account system, and the traditional advantages of commercial bank account services are even more prominent.

On August 31, the Vice President of the Bank of China Chen Huaiyu replied to the 21st Century Business Herald reporter that the Bank of China attached great importance to the reform of pension financial reform and incorporated the national pension security system reform goals into the "14th Five -Year Plan" pension planning of Bank of China. Implement the program and actively perform social responsibility.

Industrial and Commercial Bank of China: enrich the supply of third pillar pillar pension financial products

Pension savings are one of the pension financial products. On July 15, the Central Bank and the CBRC jointly issued the "Notice on Carrying out the Pilot Work of Specific Pension Savings", which proposed that from November 20, 2022, ICBC, Agricultural Bank, China, China, China, China, China, China, China Banks and Construction Bank conducts pilots of specific pension savings in Hefei, Guangzhou, Chengdu, Xi'an, and Qingdao. The pilot period is tentatively set for one year. During the pilot stage, the total scale of the special pension savings business of the single pilot bank is limited to less than 10 billion yuan.

According to Zheng Guoyu, Deputy Governor of Industrial and Commercial Bank of China, as one of the pilot banks, the bank is currently actively implementing the requirements of documents, giving full play to the advantages of professionalization and comprehensive service, accelerating the development of the research and development of pension savings projects, and product launch to ensure The pilot work is successfully carried out.

"Under the guidance of the regulatory authorities, we will actively carry out innovation of pension financial services. In order to enrich the supply of third -pillar pillar pension financial products, meet the diverse demand for the people of the people, we will actively contribute to the power of ICBC." Zheng Guoyu said at the same time.

The semi -annual report also showed that as of the end of June, the scale of pension custody of ICBC was 2.5 trillion yuan, maintaining the industry's first; the entrusted management annuity fund was 438.4 billion yuan, the personal account of managing enterprises was 12.27 million, and the custody annuity fund was 1197.4 billion yuan Yuan, the scale of the annuity fund of the entrusted management enterprise, the number of personal accounts of the management of the enterprise, and the size of the custody annuity fund continued to rank first in the banking industry.

Agricultural Bank of China: transform the greatness into a big work

Pension financial management is also one of the pension financial products. As early as September 15 last year, the regulatory authorities launched the pilot of the "four places and four institutions". At present, the pilot agencies are "ten places and ten institutions". It is understood that as of now, the number of pension wealth management products has exceeded 70 billion yuan.

"On August 18th, Agricultural Bank of China launched the first pension wealth management product in 10 pilot cities. In 10 days, the sales scale was close to 8 billion yuan. Period products are also preparing. "Lin Li revealed.

On August 30, Agricultural Bank of China announced that its first -phase pension wealth management product was raised in advance, with a raising scale of 8 billion yuan. The second phase of pension wealth management products were released on September 2.

Lin Li introduced that there are five main characteristics of agricultural banking wealth management and financial management products: one is to encourage long -term investment; the other is to emphasize more stable investment operations; third, highlight the attributes of inclusive care; The primary goal of product investment operation; Fifth, for some special circumstances that investors may face, pension wealth management products provide the function of early redemption.

"Agricultural Bank has 860 million personal customers. Doing a good job of pension financial services is the meaning of the agricultural bank to practice financial politics and people's responsibilities. What we need to do is to transform the greatness into a big deal." Lin Li said that Lin Li said Essence

The semi -annual report also showed that as of the end of June, the scale of pension custody of Agricultural Bank was 1006.145 billion yuan, an increase of 6.9%over the end of the previous year. %; Actively deploy pension FOF agent.

Bank of China: Actively invest in policy formulation and business model development in the field of pension

"After the" Opinions on Promoting the Development of Personal Pensions ", Bank of China established a special working group for the first time to actively communicate with regulatory agencies, and carry out system construction and product preparations compliant with its guidance." Century Economic Herald reporter said that while deepening policy research with the academic community, strengthen the cooperation mechanism of contact cooperation with the market, make every effort to do a good job of financial market services, make every effort to promote the supply of pension financial products, and closely focus on the third pillar of pension in pension. I. The second pillar pension is continued to cultivate and actively invests in policy formulation and business model development in the third pillar pension. In terms of personal finance and pension industry finance, Chen Huaiyu said that Bank of China has continuously innovated personal financial service products of pension, customized and issued exclusive structural deposits, large deposit orders and renminbi preferential interest rate deposits, pension -themed investment and wealth management financial products such as silver -haired customers , Carry out the construction of aging outlets, carry out innovation in financial products and models of pension industry, study the needs of TOB, TOG, and TOCs in the field of pension, and explore the construction of smart pension platforms.

In terms of silver -haired scene construction, Chen Huaiyu said that Bank of China surrounds the living scenes of clothing, food, housing, traveling, learning, entertainment, etc., continues to improve the ecological layout of the financial plus scenario, and promotes the "BOC Public Welfare" mutual care platform to the society. , The concept of public welfare pension and smart pension, build a Chinese -Silver University, build silver -haired map scenes, create an online display platform for the information line of pension institutions, implement the special re -loan loan of inclusive pensions, etc., and build a comprehensive service system for pension finance in multiple dimensions.

Regarding the pilot work of pension savings, Chen Huaiyu introduced that since the pilot notification was released, the Bank of China has actively prepared a pilot work of specific pension savings: First, actively apply for a pilot qualification for specific pension savings, draft the pilot plan, and prepare to submit the regulatory agency; Relevant departments set up work promotion teams to provide sufficient human resources guarantee for pilot work; third, promote system transformation, the main functions have been put into production, and some peripheral system functions and adjustments will be put into operation in September; fourth, the system and agreement text will be carried out Fifth, the fifth is to complete the preparation of business training before the business is officially launched.

The semi -annual report also showed that as of the end of June, the scale of pension funding for the Bank of China was 156.124 billion yuan, an increase of 10.30%over the end of the previous year; the number of personal account management of corporate annuity was 3.777 million, an increase of 2.72%over the end of the previous year; The funds were 860.695 billion yuan, an increase of 9.85%over the end of the previous year; the scale of custody of pension wealth management products was 21.5 billion yuan.

Construction Bank: "1314" development strategy of pension finance

Ji Zhihong introduced the "1314" development strategy of Construction Bank's pension finance in detail: the first "1" is the goal of being committed to becoming a professional banking of pension finance; the second "1" is to create a professional and stable one -stop service capabilities ; "3" is to fully exert the "three pillars" of the elderly; "4" is to build a comprehensive pension financial service system that includes pension wealth reserves, the cultivation of the pension industry, the supply of pension services, and the establishment of the elderly ecology.

Ji Zhihong said that in the first half of this year, the bank accelerated its layout in the field of pension finance, actively participated in and actively promoted the innovation pilots of relevant departments, and continued to enrich the pension financial products.

As one of the first batch of pilot institutions for pension and financial management, Ji Zhihong revealed that the scale of pension wealth management products issued by Caixin Financial Management exceeded 17 billion, ranking very high. At the same time, Belle German CCB Finance also obtained pilot management of pension financial management. "The pilot pilot of specific pension is also actively preparing." Ji Zhihong also said.

Other aspects, as early as 2019, the CCTV Fund has obtained the pilot qualification of the Pension Target Fund. At present, the dates of pension targets and target risks have been issued. Among them, the target date has achieved the coverage of the retired population in 2040 and 2050. In terms of risk goals, the three types of venture capital goals of stability, balance, and agglomeration have achieved comprehensive coverage; CCB Life Life has obtained the pilot of tax extension commercial pension insurance pilot in 2018. At present Pension, medical treatment and other needs.

In terms of elderly care services, Ji Zhihong said that the bank will open up a health care channel on the "CCB Life" and specifically connect to serving customers' pension consumption needs; marketing guidelines for the pension industry to increase support for the pension industry.

Ji Zhihong also introduced that in the next step, CCB's pension finance will focus on three things:

The first is product design, highlighting long -term and stable, ensuring that pension products have a clear and stable characteristics for a long time.

Second, customer service is more prominent and matching. It must not only adapt to the risk of customers, but also adapt to the customer's pension needs to help customers carry out targeted pension planning as soon as possible, so that ordinary people are more practical about the level of pension life security. Essence

Third, industrial support highlights professionalism and precision, increase credit investment and investment in asset management, and increase the pension industry with urgent pension facilities, pension care services, elderly medical and health services, pension technology and smart pension services. Great support.

The semi -annual report also showed that as of the end of June, the size of Jianxin's care management assets was 509.170 billion yuan, the total assets were 4.012 billion yuan, and net assets were 2.996 billion yuan; the net profit in the first half of the year was 119 million yuan.

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