我国养老金融发展的可行路径及相关建议

Group 1: Characteristics of Aging Society in China - The elderly population in China is substantial, with 217 million individuals aged 65 and above in 2023, projected to exceed 300 million by 2034 and 400 million by 2052, making China the largest elderly population country globally [2][3] - Urban-rural disparities in aging are evident, with rural areas experiencing faster and deeper aging, necessitating policies that promote integrated development and address the unique needs of the elderly in rural settings [3][4] - There is insufficient understanding of the health status of the elderly, with estimates indicating that 6.18 million elderly individuals are disabled, highlighting the need for better tracking and statistics to inform health industry development [4] Group 2: Feasible Paths for Pension Finance Development - China is gradually establishing a three-pillar pension framework, consisting of basic pension insurance, enterprise/occupational annuities, and personal pensions, which aligns with international practices [5][6] - The broad concept of pension finance in China includes pension financial services, financing for related industries, and financial services for various elderly needs, indicating a comprehensive approach to pension finance [5][6] Group 3: Recommendations for Financial Institutions - Financial institutions should enhance their understanding of the necessity of pension finance, as nearly 70% of urban residents believe in planning for retirement wealth early [15] - There is a need to develop a series of health-oriented financial products that cater to individual retirement planning, integrating various financial services to ensure stability and predictability for clients [16][18] - Institutions should leverage the bond market for innovative financing solutions, such as real estate investment trusts (REITs) and asset-backed securities (ABS), to support the long-term investment nature of pension finance [20]