商敬国：年金保险是保险业参与养老金体系独家的先发优势，不能丢

Core Viewpoint - The development of annuity insurance is crucial for the insurance industry to maintain its competitive advantage in the pension system, while asset management serves as a latecomer advantage that leverages traditional insurance's large asset base [1][3]. Group 1: Annuity Insurance - Annuity insurance is considered the foundation of the insurance industry and essential for the sustainable development of retirement communities [1][3]. - Research indicates that retirement communities need to achieve a high occupancy rate to avoid losses, and annuity insurance can effectively match the payment needs of these communities [1][3]. - The development of annuity insurance is seen as a way to strengthen the competitive advantage of the insurance industry and alleviate the operational pressures faced by retirement communities [1][3]. Group 2: Asset Management - Asset management is viewed as a latecomer advantage, utilizing the long-term asset management experience built on a substantial asset base from traditional insurance [1][3]. - The insurance industry is increasingly excelling in the integration of asset management into the pension sector [1][3]. Group 3: Professional Workforce - The insurance industry possesses the largest and most professional construction workforce, which is a competitive edge in developing annuity insurance [1][3]. - There is a call to utilize the specialized talent within the industry to enhance the development of annuity insurance [1][3].