锁凌燕：老龄化加速，及早推动商业保险供给侧改革

Group 1 - The macroeconomic environment in 2025 presents both opportunities and challenges, with China showcasing resilience amid global economic fluctuations [1] - The central economic work conference has set the tone for 2026 as "seeking progress while maintaining stability, improving quality and efficiency" [1] - The focus is on balancing short-term recovery with long-term transformation, emphasizing sustainable consumption growth and the synergy between "internal circulation" and "high-level opening up" strategies [1] Group 2 - The rapid aging population necessitates early reforms in the supply side of commercial insurance, which is crucial for addressing long-term care and wealth transfer needs [3] - The development of pension finance is identified as a strategic pillar for enhancing the stability of the pension system and improving residents' welfare [3] - Insurance can provide comprehensive solutions that include pension protection products, risk management, and healthcare services integration [3][4] Group 3 - Product design should leverage expertise in lifelong annuity schemes and risk management to enhance financial resilience across family life cycles [4] - There is a need for inclusive and customized commercial medical insurance and long-term care products to improve the long-term health security network [4] - Collaborative planning between pensions, medical insurance, and long-term care services is essential for reducing overall pension costs [4] Group 4 - The "14th Five-Year Plan" emphasizes the importance of improving people's livelihoods and the role of commercial insurance in supplementing social security [5] - The insurance sector is positioned as a key player in the multi-tiered pension system, contributing to the operation of basic pension funds and supporting the development of enterprise annuities [5] - The insurance industry is encouraged to enhance its investment capabilities to support economic development and promote consumption, particularly among the elderly population [5]