平安养老险：书写养老金融大文章，平安养老险交出专业答卷

Core Viewpoint - The rapid aging population and diverse retirement needs in China necessitate urgent responses, with a focus on enhancing the multi-pillar pension system to ensure high-quality retirement living for residents [1][2]. Group 1: Demographic Trends and Pension System - By the end of 2024, China's population aged 60 and above is projected to reach 310 million, accounting for 22% of the total population, with those aged 65 and above reaching 220 million, or 15.6% [1]. - The average pension replacement rate in China is approximately 45%, showing a declining trend year by year, highlighting the increasing pressure on the first pillar of the pension system [1]. Group 2: Policy and Regulatory Framework - The State Council issued guidelines on March 5, 2025, emphasizing the importance of developing a multi-level and multi-pillar pension insurance system [2]. - The National Financial Supervision Administration has introduced an implementation plan for the high-quality development of pension finance, reiterating the need for active participation in the construction of a multi-layered pension insurance system [2]. Group 3: Company Case Study - Ping An Pension Insurance - Ping An Pension Insurance has established itself as a leader in the pension insurance sector, actively participating in the development of a multi-pillar pension system [3][4]. - The company has a comprehensive strategy that includes enhancing the first pillar, deepening the second pillar, and expanding the third pillar products [4]. Group 4: Second Pillar Development - Ping An Pension Insurance has become a leader in enterprise annuity management, with a management scale exceeding 1 trillion yuan, and has established a strong competitive position in the market [5][6]. - As of the end of 2024, there are 159,300 enterprises with enterprise annuities, covering 32.42 million employees, with a total fund accumulation of 3.64 trillion yuan, reflecting a 14.27% increase from the previous year [7]. Group 5: Third Pillar Expansion - The company is actively involved in the personal tax-deferred commercial pension insurance business, enhancing the supply of third-pillar products and ensuring a comprehensive approach to the pension system [5][9]. - The introduction of personal pension systems in 2022 and the subsequent policies in 2024 have created a favorable environment for the growth of third-pillar commercial pension insurance [10]. Group 6: Technological Integration and Future Directions - Ping An Pension Insurance is leveraging digital technology to enhance service delivery, including the development of a new generation of digital platforms for enterprise annuity management [8][11]. - The company aims to provide personalized online services to a wide range of clients, enhancing customer experience and expanding its market reach [8][11].