2025博鳌亚洲论坛｜郭树清：应将医养结合纳入养老保险，作为“第四支柱”

Core Viewpoint - The Chinese pension insurance system, which is the largest in the world, needs to incorporate medical care and elderly care as the "fourth pillar" of its structure to enhance the overall well-being of the elderly population [1][2]. Group 1: Pension Insurance System Structure - The Chinese pension insurance system consists of five pillars: 1. The first pillar is the basic pension insurance. 2. The second pillar includes enterprise annuities and occupational annuities, covering over 70 million people with a total exceeding 5.7 trillion RMB. 3. The third pillar comprises commercial pension financial products, which have rapidly developed and now exceed 8 trillion RMB [2]. - The personal and family wealth of residents is considered the "fifth pillar" of the pension insurance system, emphasizing the importance of diversified funding sources [2]. Group 2: Funding Model and Innovations - The Chinese model of pension funding is characterized by a multi-party contribution system involving the state, collectives (employers), and individuals, which is a significant innovation compared to other countries that primarily rely on government taxation [2]. - This model combines pay-as-you-go and fund accumulation systems, reflecting China's adaptation of international experiences [2].