陈文辉：养老金、长期寿险的积累将助力形成壮大耐心资本

Core Viewpoint - The aging crisis is fundamentally a financial issue that requires significant pension accumulation, which can be achieved through financial tools to promote the development of emerging and pension industries, ultimately creating a sustainable solution to the aging problem [3][6][7]. Group 1: Financial Tools and Investment - Accumulating funds through financial instruments can facilitate the growth of new industries and the pension sector, leading to value preservation and appreciation, which in turn supports the pension system [3][6]. - The accumulation of pensions and long-term life insurance is essential for forming substantial patient capital, which is currently primarily provided by pensions and long-term life insurance [3][6]. Group 2: Industry Development - Addressing the aging issue will stimulate the development of various emerging industries, including the rise of socialized pension industries, the transformation of traditional labor-intensive industries, and the flourishing of health care and wellness sectors [3][6]. - Both the development of new industries and the transformation of traditional industries require long-term capital and diverse financial support, including equity investments, loans, bonds, and insurance, alongside a well-functioning capital market [3][6]. Group 3: Sustainable Solutions - The aging phenomenon is seen as an inevitable historical progression and a sign of social advancement, which, if managed properly through the development of pensions and long-term life insurance, can yield long-term returns and enhance the consumption capacity of the elderly population [4][7]. - A well-structured approach to aging can create a beneficial commercial cycle, making the solution to aging sustainable, with a significant role for pension finance and the broader financial industry [4][7].