郑秉文：呼吁提高个人养老金税收优惠额度，将12000提高至24000

Core Insights - The article discusses the upcoming 2025 Global Wealth Management Forum in Beijing and highlights key reforms in China's pension system as outlined by Zheng Bingwen, Director of the World Social Security Research Center at the Chinese Academy of Social Sciences [2][7]. Group 1: Pension System Reforms - The reforms focus on three main areas: enhancing pension wealth reserves, improving the core pension insurance system, and accelerating the development of a multi-tiered pension system [2][7]. - The government aims to strengthen the national social security fund as a sovereign pension fund to provide stable long-term capital for the capital market [2][7]. - The core pension insurance system will be improved by implementing nationwide basic pension insurance and refining the actuarial system to address demographic challenges [2][7]. Group 2: Specific Innovation Suggestions - Zheng proposes optimizing the enterprise annuity system by eliminating the unit contribution attribution period and allowing real-time contributions to personal accounts, similar to the housing provident fund model [8]. - The introduction of innovative pension financial tools, such as lifecycle funds and target date funds, is suggested to simplify personal investment choices and enhance participation in personal pension insurance [8]. - To improve the reverse mortgage insurance pilot program, Zheng recommends policy enhancements, including a guarantee mechanism to reduce risks and the promotion of real estate trust property registration systems [8]. Group 3: Tax Incentives - Zheng highlights that while pension withdrawals are tax-exempt, there is room for improvement in tax support during the contribution phase [4][8]. - He advocates for increasing the annual personal pension contribution tax exemption limit from 12,000 yuan to 24,000 yuan to better meet long-term wealth accumulation needs for families [4][8].