赵宇龙：养老金融发展迎来了重大机遇

Core Viewpoint - The construction of a multi-level, multi-pillar pension security system in China is accelerating, presenting significant opportunities for the development of pension finance due to the urgent demand driven by an aging population and strong institutional support from national policies [3][7]. Group 1: Pension Finance Development - The financial industry is focusing on building a distinctive multi-level, multi-pillar pension insurance system, enhancing innovation in financial products and services, and transitioning pension finance from concept to practice [3][7]. - A solid institutional framework has been established, with a gradually enriched product supply, strengthened service support, and increased financing efforts [3][7]. Group 2: Role of Commercial Insurance - Commercial insurance plays a crucial role in addressing the challenges of an aging population, leveraging advantages in longevity risk management, long-term fund management, and product diversification [4][8]. - During the 14th Five-Year Plan period, significant progress has been made in the construction of the third pillar of pension insurance, with commercial pension and health insurance reserves reaching 11 trillion yuan [4][8]. - The commercial health insurance sector has provided economic compensation of 1.8 trillion yuan for patients, and long-term care insurance has covered 1.8 billion individuals [4][8]. - The insurance industry has developed 130 elderly care community projects, contributing positively to the broader pension finance landscape [4][8]. Group 3: Future Directions - The China Insurance Industry Association aims to enhance the quality of the insurance industry by fulfilling its self-regulatory, rights protection, service, and communication functions [4][8]. - The association will implement the spirit of the 20th National Congress of the Communist Party of China, focusing on the political and people-oriented nature of financial work, and will collaborate with various sectors to explore the path of pension finance in an aging society [4][8].