为深化山西省与瑞士在经贸、产业及投资领域的合作交流，推动中瑞产业链供应链互联互通，我们诚挚邀请您出席 “山西贸易投资推介会暨第四届链博会推介会” 活动。

本次推介会将汇聚中瑞政府机构、商协会及企业代表，通过政策分享、项目介绍及交流互动，共同探讨合作新机遇，促进务实共赢。

活动安排如下：
一、时间
2025 年 11 月 27 日（星期四）14:00—16:30 （13:30 开始签到注册）

二、地点
Hilton Garden Inn Zurich Limmattal
（Kreuzaeckerstrasse 5, 8957 Spreitenbach，苏黎世）

三、主要来宾
中国驻瑞士使馆经商处谢国祥 公参
中国驻苏黎世总领馆余雄 副总领事
山西省贸促会焦育峰 会长
瑞士中国商会彭晓来 会长
山西省代表团成员
瑞士商协会及企业代表

四、会议议程
13:30 参会注册
14:00 主持人介绍来宾
山西省贸促会会长致辞
中国驻瑞士大使馆谢国祥 公参致辞
中国驻苏黎世总领馆余雄 副总领事致辞
贸促会驻瑞士代表处肖明成 总代表推介链博会
企业项目推介
15:30 茶歇, 参会代表互动交流
16:30 活动结束
我们诚挚期待您的光临，共襄盛会。

如果您感兴趣,请于周四前发Email至office@chcch.ch，以便我们提前做好相关安排。

中国贸促会驻瑞士代表处
瑞士中国人社区协办

2025年11月24日

《上海之夜》（Shang Hai zhi yen）徐克（香港，1984）

在这部由徐克执导、毫无顾忌的癫狂神经喜剧里，笑点与情绪如焰火般瞬息万变（港片巅峰之作！）。1937 年，一次日军轰炸的炮火下，阿通（钟镇涛 饰）与舒舒（张艾嘉 饰）在上海的一座桥底偶遇。两人一见钟情，约定十年后原地重逢。偏偏当时黑灯瞎火，谁也没看清谁；十年后期限已到，这“脸盲”只是挡在爱情路上的第一颗绊脚石：上海和城里人都已面目全非，玩世不恭挤走了浪漫。更糟的是，史图（叶倩文 饰）搬来与舒舒同住，也爱上了阿通，于是误会与错位的旋转木马越转越疯。

“一部属于五彩灯笼与霓虹招牌的电影，一部千奇百怪的奇迹片。而最大的奇迹，或许是在这喧嚣欢闹中仍回荡着忧郁与渴望的低音。《上海之夜》的故事发生在中共即将赢得内战胜利的前夕——徐克的影片是一封写给资本与享乐现代中国的怀旧情书，而那中国，注定没有未来。”（Lukas Foerster，critic.de，2025 年 2 月）

编剧：杜国威、司徒卓汉、陈冠中

摄影：敖志君

音乐：黄霑、唐绍南

剪辑：周少龙

主演：张艾嘉（舒舒）、叶倩文（史图）、钟镇涛（阿通）、李丽珍、成奎安、吴枫、龙刚

102 分钟 · 彩色 · DCP · 原声／英文字幕

放映地点：Filmpodium, Nüschelerstrasse 11, 8001 Zürich

周一，2025年12月1日 20:45 购票

周四，2025年12月11日 18:30 购票

周五，2025年12月19日 20:45 购票

更多详情，请点击链接：https://www.filmpodium.ch/film/172294?utm_medium=display&utm_source=kulturzueri.ch&utm_campaign=kulturzueri

If your loved ones are coming to visit you in Switzerland over the holidays, make sure they’re covered! 

To enter Switzerland and the Schengen area, travelers must have valid and sufficient health insurance for their entire stay,  with at least €30 000 or CHF 50 000 coverage.

Welcome.ch offers Schengen Visa insurance that meets all official requirements:

– Coverage for emergency medical costs up to a maximum of CHF 50,000 in case of illness or accident.

– In- and outpatient treatment, consultations with general practitioners or specialists as well as prescribed medication are included.

– Affordable price.

– Valid throughout the entire Schengen zone.

– Instant insurance policy delivered by email.

– Accepted by embassies and consulates worldwide.

– Fast, easy, and no hidden fees.

– Provided by a reputable and reliable Swiss insurance company.

🔗 Share the link with your family or friends so they can travel with peace of mind, and focus on enjoying the holidays with you.

➡️ Subscription on www.welcome.ch

#SchengenVisaInsurance #VisitSwitzerland  #WelcomeCH #HolidayTravel #SchengenVisaRequirements #SwissInsurance

如果您的亲人将在假期来瑞士探望您，请确保他们的旅行保险！

要进入瑞士和申根地区，游客必须为整个逗留期间购买有效和足够的医疗保险，保额至少为 3 万欧元或 5 万瑞士法郎。

Welcome.ch 提供符合所有官方要求的申根签证保险：

– 在生病或发生意外的情况下，最高可承保 50,000 瑞士法郎的紧急医疗费用。

– 包括住院和门诊治疗、全科医生或专家会诊以及处方药。

– 价格合理。

– 在整个申根区有效。

– 通过电子邮件发送即时保险单。

– 被世界各地的大使馆和领事馆接受。

– 快速、简便，无隐藏费用。

– 由信誉可靠的瑞士保险公司提供。

🔗 将链接分享给您的家人或朋友，让他们安心旅行，与您一起享受假期。

➡️  订阅 www.welcome.ch

We are honored to have Generali, the world’s third-largest insurance company, partnering with the Chinese Community in Switzerland to have a wonderful lecture on the topic of „Retirement Planning in Switzerland.“ Generali, headquartered in Trieste, is a world-renowned insurance giant with services spanning insurance, asset management, and wealth management and provides clients with tailor-made wealth solutions.

On 22 September 2025, a short opening quiz revealed that most participants felt under-informed about the Swiss pension system, setting the stage for the talks that followed and giving the speakers a clear starting point. Antonio Riccio and Manasse Bambana of Generali Switzerland led the main session, followed by a 30-minute Q&A segment that also included Daniel Sivakumaran, sales manager at Generali Switzerland.

Key topics covered

1.  First pillar AHV/IV

•  Maximum monthly old-age pension in 2025: CHF 2,520; minimum: CHF 1,260; married-couple cap: CHF 3,780.

•  The aging population has pushed the worker-to-retiree ratio from 9.5:1 (1948) to an expected 2.6:1 (2040), squeezing contribution rates and benefits.

•  Pension can be drawn up to five years early or deferred five years; working longer allows small gaps to be filled; IV disability insurance replaces income until retirement.

2.  Second pillar BVG/LPP

•  2025 coordinated-salary band: CHF 25,725–88,200; age-related savings rates 7%, 10%, 15%, 18%, employer paying at least half.

•  At retirement the accumulated capital can be converted to a life-long annuity, taken as cash or combined. Statutory minimum conversion rate 6.8% for the compulsory portion, but market averages 5.2%; a 0.4 percentage difference changes monthly income by a few hundreds.

•  Early retirement possible from 58 (with reductions) or delayed to 70; partial retirement and phased withdrawals are common.

3.  Third pillar 3a/3b

•  Pillar 3a (tied): 2025 contribution cap CHF 7,258 for those with a pension fund, 20% of net income up to CHF 34,416 for the self-employed; tax-deductible, tax-free growth, lump-sum tax on withdrawal.

•  Pillar 3b (flexible): no caps or statutory access rules, product terms decided, no tax deduction.

•  Planning tips: spread savings across several 3a accounts and withdraw one per year to cut tax; if still earning after 65 you can pay into 3a for up to five more years; use 3b as a bridge to early retirement, for disability cover or to repay a mortgage.

Generali specialists then used real-life case studies to show how the three pillars work in practice. A lively final Q&A and networking session answered many individual questions.

The Swiss pension system provides a safety net, but maintaining one’s standard of living requires a smart use of time windows and tailored planning. By combining the pillars wisely, residents can look forward to a more secure and comfortable retirement.

世界最大保险公司之一：Generali与瑞士中国人社区携手举办“瑞士退休规划”专题公益讲座。Generali 总部位于Triest, 为世界知名保险业巨头，业务范围涵盖保险，资产管理以及财富管理三大门类，旨在为客户提供量身定制的财富方案。

2025年9月22日，瑞士中国人社区（CHCCH）在Adliswil举办了一场主题为退休规划的“First Hand”活动。活动伊始，通过一份简短问卷了解现场参与者对瑞士养老金制度的认知程度。结果显示，多数人自认信息不足，这为后续讨论奠定了基调，也为演讲嘉宾提供了明确的切入点。主体环节由Generali瑞士公司的Antonio Riccio与Manasse Bambana主讲，随后进入30分钟的问答时段，Generali瑞士销售经理Daniel Sivakumaran亦参与其中。

讲座的核心议题：

1. 第一支柱 AHV/IV：

– 2025 年个人月养老金最高 2,520 瑞郎，最低1,260 瑞郎；夫妻合计上限 3,780 瑞郎。

– 人口老龄化使抚养比从 1948 年 9.5:1 降至预计 2040 年 2.6:1，持续挤压缴费率与待遇。

– 可提前/延迟 5 年领取；继续工作可补缴缺口；残疾保险 IV 在退休前提供收入替代。

2. 第二支柱 BVG/LPP：

– 2025 年协调工资区间 25,725–88,200 瑞郎；缴费比例随年龄7%，10%，15%，18%，雇主至少承担一半。

– 退休时可将账户资本按“转换率”换成终身年金、一次提取或混合；强制部分法定最低转换率 6.8%，实际市场平均约5.2%，0.4个百分点的差异即可导致每月上百瑞郎收入差。

– 最早 58 岁可提前退休（按比例扣减），也可延迟至 70 岁；可部分退休、分阶段领取。

3. 第三支柱 3a/3b：

– 3a（锁定型）：2025 年有第二支柱者上限 7,258 瑞郎，无第二支柱者 20% 净收入上限 34,416 瑞郎；税前抵扣、投资收益免税、提取按一次性税率征税。

– 3b（灵活型）：无额度与取用限制，收益与保障视产品而定，不能抵税。

– 规划技巧：开设多个 3a 账户，分年提取以降低税率；65 岁后仍有劳动收入可继续缴 3a，最长延至 70 岁；3b 可作为提前退休过渡金、寿险/残障附加保障或房贷偿还预备金。

随后来自Generali专家有以具体案列深入浅出讲解瑞士养老体系在生活中的运用，在活动最后热烈问答与相互交流的环节持续为大家答疑解惑。

瑞士养老金制度提供一张社会安全网，却未必能够面面俱到保证生活品质。应该巧用时间窗口、按照需求配置不同的计划，安度晚年。

On July 9, 2025, the Chinese community in Switzerland, with the support of the Kantonales Integrationsprogramm, the Fachstelle DIA der Stadt Zürich, and the Zurich Career Center, hosted a First Hand Event on the Swiss education system: “Gymi or Lehre?” successfully.

Around 30 participants—mostly Chinese and Swiss parents from diverse professional backgrounds—came together, united by their shared role as parents.

The evening was moderated by Dr. Jess Jia, Secretary General of the Chinese community and mother of two young girls. To open the discussion, she shared results from an online survey showing that 9 out of 10 participants strongly hoped their children would attend Gymi.

Expert input was provided by Aïda Biscevic from the Zurich Career Center, who explained the complexity of Zurich’s educational pathways and options.

A panel discussion followed, featuring:

• Dr. Li Xiaodan, parent representative, whose two sons chose different tracks and are both thriving.
• Ava Rabian, a 9th-grade Gymi student.
• Elijon Berisha, a vocational track engineering student who later returned to ETH at age 23.x

The extended Q&A session allowed parents to explore their questions in depth, and conversations continued during the Apéro at Wesley’s Kitchen.

During the break, participants also joined an Info Center tour, gaining practical insights into the resources and support available for families navigating the Swiss education system.

Thanks to the support of the City of Zurich, the event not only provided clarity on the Swiss education system but also offered networking and even some laughter for the many stressed parents.

The event was praised by participants as a high-quality and valuable exchange. Parents expressed their satisfaction, noting that the combination of expert insights, personal experiences, and open discussion made the evening both informative and encouraging. All left the event not only better informed but also reassured and optimistic about their children’s educational journeys.

有人问未来10年以后是什么样子？ 这是我2021年写的文章与你分享

如果有一天你的家变成了旅馆。你会怎样?

我家的家庭旅馆房间不多，但却人满为患。所以经常我要问先生: 可不可以让一个学生住到家里来?

先生瞪大了眼睛。

他: 什么? 我的隐私。

我: 其实你还有什么隐私? 谁会在意你的隐私?

他: 什么? 我在意。

我: 对啊。也就只有你自己在意。只有你自己在意的隐私还能称为隐私吗?

只有别人都在意的你的隐私才叫隐私。所以别人不在意的只有你自己在意的不叫隐私。而当你在意你的隐私的时候只能说明: 你老了。

他瞪大眼睛看着我。

我: 你想啊。你年轻的时候会在意和别人合租住在一起吗? 不会。只有老了才会。

他点点头。同意让学生住进来。

我: 我的观点还没说完。我梦想的状态也即将来的状态是，随时提着个箱子离开，说走就走。因为家已经变成了旅馆。你只不过是户主。你走了，别人就过来住。

先生示意我说下去。

我: 以前家是有血缘关系的。每个人知道每个人的过去甚至是未来。现在有个概念叫合租，就是德文WG。就是志趣相投的人住在一起。打破了血缘的纽带。有一天也即未来这个概念再一次被打破:那么家就是旅馆。每个人对于另外一个人没有过去也没有未来，就只有现在。这个状态就是人人向往的恋着爱的状态。couchsurfing，Airbnb等就是往这个方向过渡的状态。有一天全民sharing概念一旦兴起，那么家即是旅馆。

而我们每个人才是真正的过客。也即四海为家。

瑞士鬼子于2021年

瑞士中国人社区整理发布

文章版权归原作者：瑞士鬼子 所有

At Home Everywhere

Someone asked me how it would look like in 10 years? I share one article that I wrote in 2021.

If one day your home turns into a hotel, what would you do?

My little family guesthouse doesn’t have many rooms, yet it’s always

full. So quite often I have to ask my husband:

“Can we let one more student stay at our place?”

He opens his eyes wide.

Him: “What? My privacy.”

Me: “But what privacy do you still have? Who even cares about your

privacy?”

Him: “What? I care.”

Me: “Exactly. Only you care. But if only you yourself care about

something, can it still be called privacy? Privacy only counts if other

people also recognize it as privacy. If nobody else cares, and you’re

the only one who does, then it isn’t really privacy. And if you insist

on protecting it, it only shows one thing: you’re getting old.”

He stares at me wide-eyed.

Me: “Think about it. When you were young, did you mind sharing a flat

with others? No. Only when you grow older do you start to mind.”

He nods. He agrees to let the student move in.

Me: “But I’m not done yet. My vision — or rather, the state I dream of

and that is soon coming — is this: being able to pick up a suitcase at

any time and just leave. Because the home has already become a hotel. You’re merely the host. You leave, and someone else comes to stay.”

He signals for me to go on.

Me: “In the past, home was bound by blood ties. Everyone knew everyone

else’s past, even their future. Now there’s this concept called

flat-sharing — in German, WG — where like-minded people live together,

breaking the old family bond of blood. One day, and in fact in the near

future, this concept will be broken again: home will become a hotel.

Between people, there is no past and no future — only the present. That

is exactly the state of being in love that everyone longs for: living in

the now. Couchsurfing, Airbnb, and the like are just transitional forms

in this direction. One day, when the idea of universal sharing really

takes hold, then home itself will be a hotel.

And each of us will turn out to be nothing more than a passerby. In

other words: at home everywhere.”

By Swiss Ghost, 2021

瑞士中国人社区整理发布

文章版权归原作者：瑞士鬼子 所有