当“35岁失业焦虑”撞上“60岁延迟退休”，如何体面养老

Core Viewpoint - The article discusses the urgent need for a comprehensive pension financial ecosystem in China to address the challenges of aging population and retirement planning, emphasizing the integration of finance, technology, and elder care services [1][6]. Group 1: Pension Financial Ecosystem - The pension financial ecosystem encompasses three main areas: pension finance, elder care service finance, and elder care industry finance, aiming to provide a holistic service system throughout an individual's life stages [2][3]. - Key elements of the ecosystem include participants such as government, financial institutions, elder care service providers, and technology companies, each playing a crucial role in policy-making, product offerings, and service delivery [2]. Group 2: Pension System Structure - The core of pension finance is the "three-pillar" pension system, which includes basic pension insurance, enterprise/professional annuities, and personal pensions, alongside a specialized asset management system to ensure safety and returns [3]. - The elder care service finance should establish comprehensive payment tools that integrate insurance, savings, and credit functions to enhance the accessibility of elder care services [3]. Group 3: Strategies for Different Life Stages - During the working phase (pension wealth accumulation), it is essential to enhance education and awareness about pension planning, innovate products and services, and foster collaboration with enterprises to provide tailored pension solutions [4]. - In the retirement phase (pension wealth consumption), expanding pension financial products and optimizing elder care service finance are critical, including the promotion of a "personal pension account+" model and improving service facilities [5]. Group 4: Future Development - The construction of a comprehensive pension financial ecosystem is a complex task requiring collaboration among government, financial institutions, technology companies, and consumers to provide personalized and sustainable pension solutions [5][6]. - The continuous development of financial technology and improvement of pension financial policies will create greater opportunities for the pension financial ecosystem, supporting the response to the challenges of an aging population [6].