2025社保与养老金融论坛聚焦 “高质量低成本” 健康保障之路

Core Viewpoint - The "2025 Social Security and Pension Finance International Summit Forum" held in Shanghai emphasizes the importance of advancing the Healthy China strategy and achieving high-quality development in social security as critical issues for national welfare and social stability [1][2]. Group 1: Current Challenges in Social Security - China's aging population is accelerating, leading to a growing demand for quality health services and a reinforcement of traditional family caregiving roles, highlighting a mismatch between the increasing health security needs of the elderly and the existing social security system's adaptability [2]. - The current pension system faces three major bottlenecks: significant disparities in basic pension benefits across regions and urban-rural areas, a narrow coverage of enterprise annuities, and low participation in third-pillar pension financial products [2][5]. Group 2: Proposed Solutions and Innovations - Financial technology is suggested as a means to reconstruct the pension ecosystem, utilizing AI and big data for dynamic analysis of user needs and personalized asset allocation [3]. - A unified national health information platform is recommended to manage health throughout the life cycle, supported by wearable devices and cloud technology [3]. - The need for a dual approach to address the challenges of the aging population is emphasized, focusing on both supply-side technological innovations and demand-side consumption upgrades [6]. Group 3: International Perspectives and Economic Implications - The silver economy is viewed as a potential driver for global growth, with China's approach to aging governance providing valuable insights for other countries [2]. - The aging population impacts the economy through reduced labor supply, lower savings and investment rates, and diminished innovation capacity [6]. Group 4: Research and Policy Developments - The establishment of a comprehensive evaluation index system for the "Healthy China" initiative aims to enhance health levels and promote a healthy lifestyle [6]. - The release of the "Shanghai Social Security Reform and Development Report (2025)" outlines innovative practices and policy recommendations in social security and pension finance [6].