如何推动养老财富管理高质量发展？长江养老副总经理李敬分享四点思考

Core Viewpoint - The forum highlighted the urgent need for policy innovation and financial product development to address the challenges posed by China's accelerating aging population and the imbalances in the three pillars of pension insurance [3][7]. Group 1: Current Challenges - China is facing accelerated population aging, which necessitates a robust asset-based pension model centered on individual accounts and market-based investment for value preservation and growth [3][7]. - There are significant issues such as the unbalanced development of the three pillars of pension insurance and insufficient quality supply of pension service financial products [3][7]. Group 2: Recommendations for Development - There is a need to actively promote policy innovation to expand the coverage of pension schemes, particularly by accelerating the development of the second and third pillars of pensions [4][8]. - Enhancing fiscal support measures is crucial to improve the inclusiveness of personal pensions, including exploring TEE tax incentive models and implementing matching contribution mechanisms for low- and middle-income groups [4][8]. Group 3: Investment and Product Strategy - Investment management is essential for preserving and growing pension wealth, especially in the context of deepening population aging and a global low-interest-rate environment, which requires strategic upgrades and methodological restructuring [4][8]. - There is a need to deepen the linkage of product ecosystems to enhance the adaptability of service supply, ensuring that pension financial products meet the long-term, safety, and return requirements of pension funds [4][8].