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图8：个人养老金份额规模和投资者开户数

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所属报告：

银行业理财登记托管中心：中国银行业理财市场年度报告（2025年）（52页）.pdf

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品形态，通过在购买、赎回、分红等方面的灵活做好“五篇大文章”的工作要求，结合中银集团设计，满足投资者养老金的积累和使用需求。加 “岁悦长情”养老金融产品布局，不断丰富养老大对养老产业的支持力度，完善渠道服务，加强金融产品供给。截至2025年底，公司已推出 3 投资者陪伴，提升养老金融服务质效。只养老理财和9只个人养老金理财产品，以“福”、苏银理财高度重视养老金融,提前布局养老理财市场研究。针对苏银理财客户中老年客户占 “吉”、“禄”为品牌，打造了层次分明、策略丰富的养老产品货架,产品丰富度和渠道覆盖度比偏高这一特点（截至2025年末，40岁及以上持仓客户占比高达61.7%），有力发挥好集团协领先同业。产品设计方面，养老金融产品具备长期投资策略、优惠费率、支持重疾等情况下提前同优势，以“客户需求为中心”持续推进“类养赎回、具备分红功能等突出特征,体现了普惠性、老型”产品创设。通过发行50岁以上专属份额稳健性、长期性的特点。投资运作方面，养老金产品、按季度实现产品分红等方式，显著提升目融产品充分发挥养老资金的长期优势,积极服务标客户持仓体验。此外，苏银理财一直坚持“长国家发展战略,挖掘与养老特征相匹配的长期优钱长投”，用投资和风控的专业硬核来守护客户质资产；重点关注控制产品净值波动和回撤幅度，的细水长流。稳健的收益也逐步帮助广大客户建兼顾稳健性和收益性，为投资者“养老钱”保驾立起长期投资的信心。展望未来，苏银理财将全护航。销售渠道方面，公司养老金融产品已覆盖十余家销售渠道，惠及更广大投资者。下一步，老理财业务持续健康发展的通知》要求，紧抓扩公司将积极把握养老理财扩大试点机遇,丰富产大试点机遇，进一步丰富产品形态，数智赋能开

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