首份《中国家庭养老金融健康指数调研报告》：家庭养老金融准备步入“积累”期

Core Viewpoint - The article discusses the challenges and opportunities in achieving healthy financial support for elderly care in the context of China's aging population and the increasing demand for quality retirement solutions [2][3]. Group 1: Current Situation and Challenges - China is facing an unprecedented aging population crisis, making elderly care a national concern rather than just a family issue [3]. - The current family financial health regarding elderly care is in an accumulation phase, with an average score of 48.56 in the China Family Pension Financial Health Index, indicating a focus on immediate needs over future planning [13]. Group 2: Insights from Experts - Experts at the conference highlighted the need for a multi-faceted approach to improve the financial health of families regarding elderly care, emphasizing the importance of financial planning and the role of insurance products [9][11]. - The dynamic evolution of family asset and liability structures was discussed, focusing on how families can achieve stable asset accumulation and intergenerational wealth transfer amidst aging trends [5]. Group 3: Survey Findings - The survey revealed that 67.7% of respondents are concerned about children's education, while 14.7% are focused on elder care, indicating a dual pressure on the "sandwich generation" [13]. - The predominant mode of elderly care remains home-based, with 46.34% of nuclear families and 49.56% of extended families preferring this approach [14]. Group 4: Recommendations - The report suggests establishing a comprehensive wealth management approach throughout the life cycle and expanding the second and third pillars of pension systems to enhance the variety of financial products available [14]. - There is a need for increased awareness and education on pension financial products, particularly for the 70s and 80s generations, to alleviate future retirement pressures [14].