恒安标准养老保险董事长万群：完善多层次养老保障体系需政府、市场、个人协同发力

Core Viewpoint - The forum emphasizes the need for a multi-tiered pension system in China, highlighting the shared responsibilities of government, market, and individuals in addressing the challenges posed by an aging population and changing demographics [1][4]. Government Role - The government acts as a "safety net" and "navigator," ensuring basic pension coverage for all citizens and working to reduce disparities between urban and rural areas [2][5]. - It is crucial for the government to promote the coordinated reform of the three-pillar pension system and enhance public participation through scientific methods [6][7]. - The government should provide subsidies to help young and low-income groups establish pension accounts, thereby expanding pension coverage [6][7]. Market Role - The market is expected to serve as a "supplier" and "enabler," offering a diverse range of pension products to meet the varying needs of different income and risk preference groups [2][8]. - There is a need for the market to create a comprehensive pension financial product and service ecosystem that covers the entire life cycle [7][8]. - Utilizing technology, such as AI, can help provide low-cost, high-quality investment advisory services to assist individuals in navigating the complex pension product landscape [8][9]. Individual Responsibility - Individuals are seen as the primary responsible parties for their pension planning and should actively engage in understanding and managing their retirement savings [2][8]. - It is essential for individuals to cultivate a proper pension mindset and enhance their participation in pension investments and services [2][8]. - The use of pension calculators and other tools can aid individuals in personalizing their retirement planning based on their unique circumstances [3][9]. Recommendations for Enhancing Pension Participation - The design of pension systems should be more refined and human-centered, encouraging individuals to participate in pension plans [3][11]. - Default investment options should be established to simplify the decision-making process for individuals when selecting pension products [12]. - A transparent evaluation mechanism for pension products and services should be implemented to enhance trust and competition in the market [12][13].