As a systemically important bank in China, Hua Xia Bank Co., Limited has consistently prioritized the needs of the people, thoroughly implementing national retirement strategies and deepening its focus on retirement financial services. By refining its product offerings, innovating service models, and strengthening ecosystem development, the bank provides comprehensive and considerate retirement financial solutions for elderly clients and those planning for retirement, delivering impressive results amid the aging population trend.
**Dual-Driven Channels and Products: A Maturing Personal Pension System** On the distribution front, Hua Xia Bank has established a dual-channel service network for personal pensions, combining in-house and external platforms. Internally, the bank leverages its mobile banking app, personal pension H5 portal, and smart counters to offer end-to-end services, including account opening, deposits, and investments. It also introduced group account-opening features for payroll clients. Externally, the bank collaborates with leading platforms such as Alipay, JD Finance, and Tencent to attract customers. On the product side, it has built a comprehensive portfolio covering "retirement deposits + pension funds + retirement insurance + pension wealth management," catering to varying risk appetites. By the end of September 2025, Hua Xia Bank had opened 757,700 personal pension accounts, marking a 28% increase from the beginning of the year.
Additionally, to address broader retirement needs, the bank launched commercial pension services in 2025, introducing an innovative dual-account system: a "locked account" for long-term investments to ensure stable growth and a "flexible account" for liquidity to meet urgent needs. This system not only enriches third-pillar pension products but also optimizes processes, becoming a new growth driver for the bank’s retirement financial services.
**Smart Services + Professional Support: Enhancing Retirement Asset Allocation** Hua Xia Bank combines technology and expertise to deliver high-quality retirement asset allocation services. Its mobile banking platform features two core services: 1. **Smart Retirement Planning**: This digital service efficiently collects client needs, calculates pension gaps using advanced algorithms, and recommends tailored products such as savings, wealth management, and commercial pension insurance. 2. **Lifetime Retirement Investment Solutions**: These age-specific portfolios—"Youthful Ambition," "Dynamic Growth," "Prime Strength," and "Wise Stability"—cater to clients at different life stages, balancing risk and return to simplify decision-making.
The bank also conducts nationwide seminars and partners with the International Financial Planning Standards Board to certify retirement financial advisors, ensuring professional and personalized planning.
**Security and Convenience: Safeguarding Retirement Funds** To address elderly clients' concerns about ease and safety, Hua Xia Bank introduced the "My Family" service on its mobile app, enabling secure account linking, product selection assistance, and real-time transaction monitoring. Its "Hawkeye" risk control system uses big data to detect and prevent suspicious activities, intercepting over 3,000 abnormal transactions totaling ¥120 million.
Financial literacy initiatives, including online courses and community workshops, further empower elderly clients with knowledge on retirement planning and fraud prevention.
**Deepening Social Security Services and Social Responsibility** As one of Beijing’s 16 designated pension disbursement banks, Hua Xia Bank handles monthly payouts of ¥50 million, totaling over ¥600 million annually. In 2025, it facilitated the rollout of Beijing’s new social security system and streamlined processes for faster, more accurate fund transfers.
For third-generation social security cards, the bank’s Beijing branches issued 105,100 cards by September 2025, with 74,000 activated, ranking third among joint-stock banks. It also expanded in-branch social security services and promoted online retirement verification for hassle-free pension access.
To date, Hua Xia Bank serves over 8 million elderly clients, managing retirement assets exceeding ¥450 billion, solidifying its role as a key growth pillar in retail banking. Moving forward, the bank remains committed to advancing national retirement strategies with superior products, efficient services, and compassionate care, ensuring a secure and happy retirement for all.
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