China Everbright Bank: Creating the "Everbright Model" for Retirement Finance

“The “14th Five-Year Plan for 2025” clearly states that China’s average life expectancy will reach 80 years, and pension finance is shifting from a “multiple-choice question” to a “mandatory question.” As one of the earliest commercial banks to deploy pension finance in China, China Everbright Bank, relying on its pension finance “Héguāng Yìxiǎng” brand, has systematically built an ecosystem of services covering pension fund finance, pension care services finance, and pension industry finance. To date, the bank’s pension-industry loan disbursements have achieved rapid growth, and its enterprise annuity custody scale has steadily ranked among the top tier of joint-stock banks. It serves more than 19 million social security customers, provides more than 1,000 pension-finance products, and China Everbright Bank’s pension finance is entering a new stage of high-quality development.

**　　Ecosystem Co-Construction: Step out of pure finance to do elder care**

To respect one’s elders, and respect others’ elders. Faced with profound changes in pension finance, brand reshaping has become one of the important ways for commercial banks to convey value propositions and respond to the concerns of the times. At the 2025 China Everbright Group’s pension finance results release conference, the pension finance brand “Héguāng Yìxiǎng” and the pension care services brand “Héguāng Yìyǎng” made a coordinated appearance as dual brands, and released the “China Everbright Group Pension Finance White Paper (2025)”, systematically presenting Everbright’s solution for pension finance. As a key deployment unit for the group’s pension finance implementation, China Everbright Bank relies on the coordinated endowment of “One Everbright”, iterating and upgrading the pension finance 12345 work plan. Centering on customers’ “five-dimensional needs,” it builds a “five-in-one” service system, and was the first to roll out two distinctive collaborative services: “finance + healthcare, elderly care, recovery and travel” and “bank-insurance-for-elderly-care,” gradually taking shape an ecosystem-style service pattern of “finance + real economy.”

Under the distinctive features of “finance + healthcare, elderly care, recovery and travel,” China Everbright Bank has built the “Yìxiǎng Sunshine Card” into a key interface integrating rights and interests across the group—both inside and outside. Customers can access exclusive benefits such as Everbright pension care, China Youth Travel, Jiashitang, and others, achieving “one code for all access.” Through a dedicated pension-finance zone in mobile banking, it deeply links high-quality resources across the group such as elderly care, travel, and health, providing customers with one-stop value-added elder-care services.

Beijing retired teacher Ms. Wang is a beneficiary of this distinctive service. In 2025, she completed the replacement of her third-generation social security card at China Everbright Bank, becoming an “Yìxiǎng Sunshine” customer. Today, through the China Youth Travel e-Travel platform she books travel products to enjoy exclusive discounts; when purchasing medicine at partner pharmacies in Jiashitang, she gets discounted prices; when opening an account with Everbright Securities, she enjoys an exclusive commission rate. She can also learn about Everbright pension and Héguāng Yìyǎng pension projects in advance and enjoy move-in offsetting benefits. She has personally used more than 10 selected value-added services, genuinely feeling the convenience of “one code in hand, all benefits included.” Ms. Wang often recommends to her friends: “Whether you hold the Everbright Bank Yìxiǎng Sunshine debit card, or become an enterprise annuity individual customer, or open a personal pension account, you can become a Yìxiǎng Sunshine customer.”

The “bank-insurance-for-elderly-care” collaborative service further expands the boundaries of the ecosystem. By giving full play to the group’s advantages in integrating production and finance and comprehensive financial services, it jointly builds the “Héguāng Yìxiǎng Retirement Plan,” forming a coordinated service feature integrating China Everbright Bank, China Everbright Insurance, and China Everbright Pension. While planning customers’ wealth, it actively organizes on-site immersive experience visits for customers, helping them lock in high-quality senior living community resources in advance and achieving efficient alignment between financial products and on-the-ground health-and-elder-care service offerings.

Such ecosystem-style distinctive services not only enhance customer trust but also form a unique industry advantage. Industry experts commented: “Everbright Bank’s construction of a pension-care ecosystem is not only an innovation in its own business, but also a beneficial exploration of the pension finance industry’s development model.”

**　　Three Major Areas: Specialized Deployment and Deeper Breakthroughs**

While building a comprehensive ecosystem, China Everbright Bank focuses on three major areas—pension fund finance, pension care services finance, and pension industry finance—to achieve deeper breakthroughs.

In the pension fund finance segment, China Everbright Bank deeply participates in building the national three-pillar pension security system. In the first pillar, basic pension security, it has cumulatively served more than 19 million social security customers, focusing on advancing the issuance and service of third-generation social security cards, and has obtained re-issuance credentials in 29 cities. In the second pillar, as one of the first commercial banks to obtain both corporate annuity account management and custody qualifications, it has focused on annuity business for more than 20 years, and the scale of pension custody has exceeded 500 billion yuan. In the third pillar, as a pilot bank for personal pensions, it fully develops online-and-offline integrated services, establishing a dedicated “Personal Pension” zone in mobile banking. Using a one-stop service model of “account + functions + products,” it effectively helps customers continuously increase their pension savings reserves.

In the pension care services finance segment, relying on professional product selection capabilities, China Everbright Bank builds a rich pension-finance product system. It has cumulatively offered more than 1,000 products, covering categories such as savings, wealth management, insurance, funds, and more, forming diversified configuration choices. From introductory education on pension investment for younger people, to steady allocation for family pillars, to planning and inheritance services for seniors, it delivers a full-lifecycle companionship for customers.

In the pension industry finance segment, China Everbright Bank focuses on key regions such as the Yangtze River Delta and the Beijing-Tianjin-Hebei area, strengthening credit support and integrating lending and investment for areas including pension institutions, rehabilitation equipment, and smart elderly care. Pension-industry loan disbursements have achieved rapid growth. At the same time, it fully leverages the group’s strengths in integrating production and finance, coordinating financial and real-economy resources, and actively participates in building the pension care ecosystem, providing comprehensive financial solutions for the transformation and upgrading of the pension industry.

**　　Elder-Friendly Services: More Warmth, More Trust**

Through coordinated efforts across online and offline channels, China Everbright Bank ensures that elder-friendly services truly have “warmth and are trustworthy.”

Online, it continues to build an integrated pension-finance service system. It has upgraded the “Jian’ai” version of mobile banking, expanded the coverage of the “social security cloud payment” mini program, and improved elder-friendly and accessibility service experiences. The mobile banking app opens two dedicated zones for pension finance and personal pensions, integrating asset views, pension planning, product purchases, and rights-and-benefits services into one place, providing customers with a one-stop solution. The 95595 “Guangyin Suiyue” dedicated line supports remote consultations for senior users to jump straight to human service within seconds; it has served more than 1 million users and has a satisfaction rate of 99.74%.

Offline, it continues to advance elder-friendly upgrades at branch outlets. Currently, more than 1,500 outlets have completed elder-friendly upgrade renovations. They are fully equipped with accessibility service phone lines, smart banking service areas, elder-care concern devices, and more. From keeping the ground level to prioritizing service signage, every detail aims to be safe, comfortable, and convenient. The “Pension Finance Service Center” continues to expand its coverage; it is understood that more than 100 have already been built. At the same time, the cultivation and certification of pension planners continues, with the team size expanding by nearly 500 people. The goal is to build a team of 1,000 pension planners to provide customers with personalized pension planning.

China Everbright Bank has held the “Respect for the Elderly Service Month” campaign for two consecutive years, coordinating with branches nationwide to carry out themed services such as the “Healthy Yìxiǎng Station,” “Wealth Peaceful Lane,” and “Pension Experience Trips.” During the second event in October 2025, nearly 1,500 events were organized nationwide, covering more than 500,000 elderly customers. This turns the warmth of the brand into a visible, tangible experience.

Backed by its systematic layout in pension finance and ongoing public-interest practice, China Everbright Bank has won multiple authoritative awards, including the “2025 Bauhinia Award? Annual Pension Finance” from Tsinghua Financial Review and the 2025 Tiānzǐ award for pension finance services from the Securities Times, among others. Its brand influence and social reputation have continued to rise.

From a pioneer in pension finance to a deep-focused practitioner, China Everbright Bank has always written the answer sheet for “finance with warmth” through action, striving to do major work in pension finance. Its solid practice not only highlights the political and people-centered nature of financial work, but also becomes a pragmatic model for implementing China’s national strategy to actively respond to population aging. Looking ahead to the new journey of the “14th Five-Year Plan for 2025,” China Everbright Bank will continue to innovate service models, expand service content, and deepen the ecosystem pattern of “finance + real economy,” serving national strategies and responding to people’s livelihood concerns with professional commitment, and demonstrating the responsibility and mission of a financial central enterprise.

(Editor: Wang Lei ）

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