国民养老总经理黄涛：养老体系需兼顾“有没有”“好不好”双目标

Core Insights - The aging population in China is rapidly increasing, with the elderly population expected to reach 310 million by the end of 2024, accounting for 22% of the total population, necessitating an improved pension system to meet growing service demands [3][4] - The transition of the pension system from "supporting the elderly" to "ensuring happiness for the elderly" indicates a shift in focus towards quality of life, although there remains a structural mismatch in supply and demand [2][3] - The silver economy is poised for significant growth, driven by diverse needs in healthcare, social services, and financial planning for retirement [4][5] Industry Developments - The "2025 China Urban Residents Pension Research Findings" report outlines a comprehensive evaluation of urban pension systems across four dimensions: wealth accumulation, service systems, age-friendly environments, and silver economy development [3][4] - The urbanization rate in China has surpassed 67%, with 940 million urban residents, making cities critical in addressing aging challenges and improving pension governance [4] - The report indicates that while urban pension services have improved, there are still notable regional and demographic disparities that need to be addressed [4] Financial Sector Focus - The demand for diversified pension financial products is increasing, reflecting a shift from reliance on basic pension insurance to a focus on personal retirement savings [6][7] - Financial institutions are encouraged to innovate and design products that cater to the diverse needs of the elderly population, thereby stimulating economic growth [9][10] - National policies and institutional frameworks are being developed to support a comprehensive pension financial system, with an emphasis on collaboration among government, market, and society [8][9]