天津首个养老金融领域专项白皮书发布，揭示养老储备现实挑战

Core Insights - The report titled "Tianjin Pension Financial White Paper (2026)" aims to provide theoretical support and practical pathways for the high-quality development of regional pension finance [1] Group 1: Pension Financial Landscape - The white paper introduces the "Tianjin Resident Pension Asset Reserve Risk Index," which assesses the risk levels of residents' existing pension wealth in meeting various retirement needs [3] - As of 2024, the national pension insurance coverage has exceeded 1.073 billion people, but there are significant disparities in protection levels that need to be addressed [3] Group 2: Aging Population Characteristics - Tianjin's elderly population aged 60 and above has increased from 1.76 million in 2010 to 3.21 million in 2023, with the proportion rising from 17.9% to 27.3% [4] - The proportion of individuals aged 65 and above reached 19.90% in 2023, indicating a transition from moderate to severe aging [4] - There are significant regional disparities, with some central urban areas facing "super-heavy" aging pressures, where over 40% of the population is aged 60 and above [4] Group 3: Pension Financial Awareness and Planning - The white paper highlights a lag in action and intergenerational resistance in pension financial awareness and planning among residents [4] - Although residents maintain rational expectations for pension reserves, there is a "class vision" and "reality accumulation gap" influenced by occupation and income [4] Group 4: Pension Wealth Reserve Analysis - The first pillar of pension reserves is widely covered, while the second pillar shows a stratified characteristic; the third pillar has a low participation rate among retirees, with over half having less than 5,000 yuan in their personal pension accounts [4] - Unretired respondents rely heavily on bank deposits for pension savings, indicating a conservative asset allocation [5] Group 5: Strategies for Addressing Challenges - Tianjin has proposed proactive strategies to address pension challenges, leveraging its comprehensive financial industry and pension service system [5] - Various entities, including banks, insurance companies, and technology firms, are innovating in pension finance, focusing on credit for the pension industry, service adaptations for the elderly, and digital upgrades [5][6]