把握养老金融发展规律 落实“投资于人”政策部署 访国民养老保险股份有限公司总经理黄涛

Core Viewpoint - The article emphasizes the importance of integrating financial resources with the public's pension needs to achieve common prosperity, as highlighted by the recent directives from the Chinese Communist Party's 20th Central Committee [1][2]. Group 1: Role of Pension Finance - Pension finance is a crucial aspect of the "investment in people" strategy, addressing challenges posed by aging and declining birth rates [2]. - It can optimize resource allocation efficiency, enhance individual sustainable development, and reduce disparities in pension security among different groups [2]. - By improving the quality of the population structure, pension finance can extend effective working years and enhance the quality of life for the elderly [3]. - It can also optimize the employment structure by creating new job opportunities in sectors like smart care and elderly-friendly renovations [3]. - Enhancing economic development quality through pension finance can stimulate domestic consumption and improve the sustainability of economic growth [4]. Group 2: Development Principles of Pension Finance - The development of pension finance must adhere to its fundamental principles, focusing on long-term investment strategies and the effective allocation of personal wealth over decades [6]. - Financial institutions should prioritize long-term performance and risk management to ensure the steady growth of pension funds [6][7]. Group 3: Inclusivity and Accessibility - Pension finance must be designed to be inclusive, ensuring that products and services are accessible to low-income groups, new citizens, and rural residents [7]. - Financial institutions should lower service costs and enhance digital capabilities to improve customer service and operational efficiency [7]. Group 4: Policy Recommendations - Continuous optimization of the pension security system is necessary, with a focus on fairness and efficiency, particularly for vulnerable groups [8]. - There should be increased public awareness and education regarding pension planning to shift from passive to proactive approaches [8]. - Encouraging financial institutions to develop products that meet the needs of the public and simplifying approval processes can enhance market vitality [9]. - Establishing a supportive ecosystem for the pension industry through targeted financial tools and long-term performance assessments is essential [9].