The Double Ninth Festival is approaching, and the warmth of Jinghua is melting. From October 9th to 11th, the 12th Beijing International Aging Industry Expo was held at the National Convention Center Phase II, with a 30000 square meter exhibition area and over 400 participating companies. It showcased new technologies and products in the silver industry, as well as a happy scene of "elderly care". At the expo, Huaxia Bank's "Huaxia Elderly Care" pension financial system made a concentrated appearance. From the systematic planning of serving the national strategy, to the full chain products that safeguard residents' later years, and to the financial vitality that nourishes the elderly care industry, the bank has written solid and warm articles on elderly care finance through the collaboration and two-way efforts of both the residents' end and the industry end.

With the concept of 'the great nation' in mind, systematically plan for pension finance

Actively addressing population aging is crucial to the overall development of the country and the well-being of millions of people. From the national deployment to cultivate and strengthen the silver haired economy, to the implementation of the "Beijing Elderly Care Service Regulations" on July 1 this year, laying a solid foundation of the rule of law for elderly care services, the elderly care service system in the capital is becoming increasingly perfect. According to the plan, in the next three years, Beijing will build 30000 new family elderly care beds, and during the 15th Five Year Plan period, it is planned to recognize 60000 universal beds. The proportion of nursing beds in elderly care institutions will be increased to 73%, allowing more elderly people to enjoy quality, dignity, and security in their later years.

Huaxia Bank closely adheres to the development of the elderly care industry and the work orientation of finance for the people, deeply grasps the political and people-oriented nature of financial work, regards pension finance as an important part of the "five major articles" of finance, implements relevant planning and deployment in Beijing, and constructs a "three in one" service pattern of pension finance, pension service finance, and pension industry finance that support each other. As a gold partner of this year's Expo, the bank has deeply partnered with the Beijing Elderly Industry Association to sign a comprehensive service strategic cooperation agreement, focusing on the financial support of the elderly care industry, the construction of an aging friendly service system, and the co construction and coordination of the silver hair economic ecology. It provides a package of industrial financial solutions for "elderly care settlement, elderly care storage, and elderly care integration" to the association's member elderly care institutions and elderly related enterprises, and jointly carries out public welfare activities such as silver age movie watching, silver age finance classroom, and elderly care anti fraud science popularization, connecting financial services with the elderly population and elderly care industry entities, and using financial power to help improve and expand the silver hair economy.

The effectiveness of strategic planning should be clearly documented in the annual report. By the end of 2025, the financing scale of the elderly care industry in the entire bank reached 58.6 billion yuan, a year-on-year increase of 32.8%; There are 776000 individual pension accounts, a year-on-year increase of 30.8%. With a thriving financial industry, it continues to nourish elderly care, medical and health care, and other elderly related business entities.

Citizens visit and consult at the Huaxia Bank exhibition area

Love for thousands of households, guarding the entire chain of residents in their later years

Having a sense of security in old age means being prepared for the future. Faced with the confusion of many citizens, Huaxia Bank has launched a "Smart Retirement Planning" tool embedded in mobile banking, which can automatically calculate the gap in pension funds and establish reserve targets by entering information such as age and household income and expenditure; Establish an independent retirement investment account, with centralized display of retirement assets and clear progress at a glance; Combining risk preference with intelligent matching of stable products such as deposits, wealth management, insurance, etc., annual review and dynamic adjustment with changes, allowing ordinary people to calculate their pension accounts clearly. As a supplementary pension system of the country, personal pension is an important reserve channel. Huaxia Bank provides full chain services including account opening, deposit, personal income tax deduction, investment, collection, and inheritance. The maximum deposit per year is 12000 yuan, and the deposit enjoys personal income tax deduction. Investment income is temporarily exempt from taxation. It is equipped with a "retirement savings" exclusive deposit, which can be opened online, offline, or in bulk.

Entering retirement life, the usability of the account and the inconvenience of the service provider are the most practical factors. Huaxia Bank has launched its exclusive debit card "Huaxia Five Blessing Card" for customers aged 55 and above. With the concept of "longevity, wealth, health, morality, and harmony", it integrates financial services, risk protection, and health benefits into one card: the first 8 interbank ATM withdrawals per month are free, and interbank transfers through mobile banking are completely free. It supports binding medical insurance settlement, handling pension service withholding, and can also purchase tens of thousands of products such as elderly friendly equipment, health food, and medical examination packages on the JD Elderly Care Mall through mobile banking. The third-generation social security card launched in conjunction with the government's livelihood project integrates social security benefits, medical insurance, financial payments, and municipal transportation. All branches in Beijing can apply for and implement multiple fee reductions. Retirement planning affects the whole family, and the "My Home" family finance platform extends services from individuals to families: forming family groups, setting permissions, children helping elders choose products, sharing on WeChat, and elders confirming with just one click. In old age, there are concerns and the safe entrustment of property - the on-site display of the "Elderly Care Quality Life" elderly care service trust can place cash, real estate and other assets into the trust, achieve risk isolation, directly allocate funds to nursing homes and medical institutions, and arrange intergenerational distribution according to wishes to meet the long-term care arrangements of special family members.

Huaxia Bank Special Salon at the Old Expo

In addition to enriching products, safety and services are indispensable for residents' elderly care. Guarding the "pension funds", Huaxia Bank has built a "Fire Eye" intelligent anti fraud risk control system, which sets exclusive strategies for the elderly group. It monitors large unfamiliar transfers, regular early withdrawals, abnormal logins from other places 24/7, forming a complete loop of pre warning, in-process blocking, and post tracking, and works together with family members, communities, and public security to dissuade them.A customer was scammed by impersonating a customer service representative and their phone was remotely controlled. The "FireEye" system promptly alerted them and saved hundreds of thousands of yuan in their funds; Some customers were induced to transfer nearly a million yuan, and the bank completed control within 2 minutes. Transmitting service warmth, the bank is promoting the transformation of all channels to adapt to aging - offline branches are equipped with barrier free channels and love windows, providing one-on-one guidance and on-site services; Online mobile banking and online banking care version with enlarged fonts and simplified operations. Customers over 60 years old can dial 95577 with one click to directly access manual services. For large transfers and device changes, automatic reminders will be sent to the guardian; And regularly enter the community, carry out anti fraud science popularization and elderly care finance classes, so that services can cross the digital divide and directly reach the elderly.

Financial nourishment industry, empowering elderly care services throughout the entire cycle

The improvement of the quality of elderly care services cannot be achieved without the growth of millions of elderly care institutions. Huaxia Bank is directing its financial vitality towards the industrial end, creating a series of products called "Elderly Care Settlement, Elderly Care Storage, and Elderly Care Integration" for elderly care institutions and service platforms, covering the entire business development cycle. 'Yi Yang Jie' provides digital tools such as fund collection, account management, scene collection, and platform account sharing; 'Elderly Care Savings' achieves the preservation of idle funds through deposit and financial management plans, and supervises pension prepaid funds through a dedicated account; Yiyangrong "is configured differently according to the scale of the main body. Large and medium-sized institutions can handle project loans, merger and acquisition loans, syndicated loans, and capital market docking, while small and micro enterprises can obtain mortgage and credit revolving loans. A series of measures have been taken to accurately solve the pain points of fund collection and payment, prepayment security, and operational turnover in elderly care institutions, cultivate and strengthen high-quality elderly care services from the supply side, and make the silver hair industry deeply rooted and full of vitality.

Huaxia Elderly Care Financial Series Products

As of now, Huaxia Bank has served over 8.6 million silver customers. Looking ahead to the future, the bank will continue to focus on the "big picture of the country" and work together between the residential and industrial sectors to write the big story of pension finance into the happiness of millions of households with higher quality products, more reliable guarantees, and more thoughtful services. The will of heaven favors the secluded grass, and the world cherishes the late sunshine - Huaxia Bank is willing to use its financial power to protect every elderly person with security, support, happiness, and peace in their old age, so that the sunset scenery of Sangyu can warm and accompany them, and the late sunshine of the world will be good every year.