养老金融助力中国式养老事业和银发经济发展

Core Viewpoint - The silver economy is a necessary response to population aging and an important aspect of cultivating new economic momentum, emphasizing the need for high-quality development in pension finance to support China's unique pension system and silver economy [1][2]. Group 1: Importance of Pension Finance - Pension finance is defined as a series of financial activities that support the development of the silver economy, which is crucial for promoting a virtuous cycle of high-quality development in China's financial and pension sectors [2]. - The development of pension finance can enhance the wealth accumulation and consumption capacity of the elderly, provide financing and credit support to enterprises, and promote supply-demand balance through innovative pension service and product models [2]. Group 2: Challenges in the Silver Economy - The supply of pension products and services is inadequate, with a significant gap between the growing demand due to rapid population aging and the current supply capabilities [5]. - The quality of pension products and services needs improvement, as the diverse and layered demands of the elderly are not being met by the relatively uniform supply [5][6]. Group 3: Supply-Side Issues - The reasons for the lag in the development of the pension product and service supply system include the short time and rapid pace of entering an aging society, insufficient recognition of elderly needs by supply entities, and high entry barriers for market participants [6]. Group 4: Demand-Side Issues - There is a significant gap between the actual demand for pension services and the effective demand of the elderly, primarily due to income and consumption level limitations [7][8]. - The overall wealth accumulation of the elderly is insufficient, with a high dependency on pension income and an imbalance in the pension insurance system, leading to limited financial resources available for pension services [8].