On the eve of the Double Ninth Festival, China Construction Bank held the third "Healthy and Safe" pension financial product and service conference in Nanjing during the Double Ninth Festival in Nanjing, focusing on releasing innovative pension financial products and services and demonstrating new progress in financial support for the elderly care and the development of the elderly care industry. Ji Zhihong, Vice President of China Construction Bank, attended the event and delivered a speech.
From personal pension accounts, corporate annuity services, to commercial long-term care insurance, elderly care service trusts, to living scenarios such as residential elderly care and community elderly care, China Construction Bank is further expanding the boundaries of pension financial services and promoting the connection between financial products and elderly care needs, service scenarios and industrial development.
From financial product supply to comprehensive elderly care services
As the aging of the population deepens, the demand for elderly care is extending from basic life security to health care, wealth management, quality elderly care and diversified life services. How to make financial services better match different age groups, different income levels and different pension needs has become an important issue in the development of pension finance.
China Construction Bank has held the "Double Ninth Festival" event for three consecutive years and continues to improve its pension financial products and service system. In recent years, the bank has continuously optimized the experience of applying for and using social security cards, promoted the development of personal pension business, and actively used policies such as re-loans and interest discounts to increase consumer credit in the elderly care field and support the development of elderly care consumption and the elderly care industry through financial services.
As of the end of the third quarter of 2026, China Construction Bank has provided one-stop services for the "four qualifications" of annuity to 11,000 annuity customers, with a service capital scale of 2.7 trillion yuan. This business progress reflects the bank’s continued accumulation of service capabilities in the field of pension security such as enterprise annuities.
At this press conference, China Construction Bank launched products and services such as the "Jianzhao Anxiang" pension service trust, "Longyou Kanghu" commercial long-term care insurance, the "Jianzhuo Kanghu" series of financial management, the "Young for the Elderly" series of funds and county-level annuity service plans, focusing on the pension needs of different groups, to further enrich the supply of pension finance.
Among them, pension service trusts focus on pension fund management and service connection, commercial long-term care insurance focuses on long-term care security, and pension financial management and fund products cater to different risk preferences and pension wealth management needs. Through the collaborative layout of multiple types of products, China Construction Bank explores providing customers with comprehensive solutions covering pension reserves, fund management and pension services.
Embedding financial services into senior care life scenarios
Pension finance not only involves capital accumulation and wealth management, but is also closely related to the daily life, medical care and community services of the elderly. How to extend financial services from the counter to the elderly care life scene is an important direction for banks to expand pension financial services.
China Construction Bank proposed that it will further promote the integration of account services with community smart canteens, subsidy certification, home care services and other scenarios to help promote long-term care insurance and explore the development of commercial long-term care insurance products. At the same time, the elderly care service trust connects guardianship, medical and elderly care services to respond to the elderly care security needs of special groups such as those living alone, empty nesters, and "elderly disabled people".
In terms of aging-friendly services, China Construction Bank stated that all branches of the bank have basically completed aging-friendly transformation, and will create special services integrating the rights and interests of senior-friendly products, preferential services for the elderly, popularization of pension financial knowledge and community services at outlets with a high attendance rate of elderly customers. The bank's remote intelligent banking center customer service hotline also provides manual direct connection services for customers over 60 years old, further facilitating elderly customers to handle business.
In addition to financial services, China Construction Bank also launched elderly care services such as migratory bird sojourn elderly care and silver age action. Among them, the "Silver Aging Action" focuses on leveraging the experience and expertise of the elderly and exploring and expanding channels for the elderly to participate in social activities; the residential elderly care responds to the diversified needs of the elderly group for cross-regional living, leisure and elderly care services.
From the aging-friendly renovation of branches to remote services, from financial products to senior living scenarios, relevant measures reflect that senior financial services are gradually extending in a direction that is more comprehensive, convenient and close to actual needs.
Financial services further extend to the elderly care industry chain
The development of pension finance not only needs to meet the pension security and consumption needs of individual residents, but also needs to provide financial support for pension service institutions, pension industry projects and related enterprises.
China Construction Bank stated that in the future, it will explore credit enhancement models such as risk compensation and financing guarantees, and provide diversified financing services for the development of the elderly care industry through various methods such as bonds, equity, financial leases, real estate investment and pension real estate investment trusts (REITs). At the same time, the bank will also study models such as special account supervision, trust, and notarized withdrawals to help elderly customers better manage pension funds.
In terms of industrial collaboration, China Construction Bank will promote the "Pension Finance Ecological Partner Plan" to provide partners with policy interpretation, industry chain matching and other support, and explore the "Pension Finance Manager" model to promote further connection between financial services and pension service resources.
Focusing on the needs of elderly care in different regions, China Construction Bank also plans to explore ecological models such as "winter south and summer north" residential elderly care, Guangdong, Hong Kong and Macao cross-border elderly care, and "property + elderly care" to expand cooperation space between financial institutions, elderly care service companies, communities and related industry entities.
At the press conference, the elderly care ecosystem partners signed a cooperation agreement with China Construction Bank. More than 160 people from relevant departments of the Jiangsu Provincial Government, relevant departments of the China Construction Bank Head Office, branches and group subsidiaries, as well as representatives from cooperative institutions and customers attended the event.
China Construction Bank stated that during the "15th Five-Year Plan" period, it will continue to improve the pension financial product service system and provide customers with integrated comprehensive solutions. As the needs of elderly care become increasingly diversified, how financial institutions can further connect pension security, wealth management, health care and industrial resources will become an important direction for the deepening development of pension financial services.
