应对“每三人中必有一老”，金融机构可以做什么

Group 1 - The core viewpoint emphasizes the urgency of addressing the aging population in China, with projections indicating that by the end of 2024, 22.0% of the population will be over 60 years old, and 15.6% will be over 65 years old, marking significant increases from 2019 [1] - The Chinese government is implementing a national strategy to respond to population aging, focusing on "pension finance" and introducing multiple policies to clarify the future direction of pension finance development [1] - Guangzhou is actively participating in the development of pension finance, having introduced 12 special policies to promote high-quality development in various aspects, including pension insurance and financial product supply [2] Group 2 - The number of participants in basic pension insurance in Guangzhou reached 8.858 million, while 1.286 million participated in urban and rural residents' basic pension insurance, establishing a solid foundation for residents' retirement [2] - There are currently 3,015 enterprises in Guangzhou that have established enterprise annuities, covering 510,000 employees, which further supplements retirement income [2] - The World Bank highlights unmet demand in the silver economy, particularly in the mid-market segment, where there is a lack of high-quality, diversified services tailored to different elderly groups [3] Group 3 - Suggestions to improve the pension finance landscape include transitioning financial services from general inclusivity to targeted precision, increasing support for key industries, and enhancing the development of insurance products suitable for the elderly [3][4] - Financial institutions are encouraged to enrich the supply of pension financial products and enhance financing support for the development of the pension industry, while also improving the accessibility and convenience of financial services for the elderly [4]