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 ensuring financial health for family pensions in the context of China's aging population and the need for effective financial products like insurance to support elderly care [2][3][5]. 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 report highlights the collision between traditional views on elderly care and modern challenges, with significant anxiety about retirement among different age groups, particularly those born in the 70s and 80s [15]. - The "sandwich generation" (ages 30-50) is under dual pressure from both child education (67.7% of respondents) and elder care (14.7% of respondents), indicating a lack of focus on retirement planning [15]. Group 2: Financial Health Index - The first "China Family Pension Financial Health Index Research Report" was launched, revealing an average score of 48.56, indicating that families are in an accumulation phase regarding pension planning [10][14]. - The report is based on 26,835 valid samples from 34 provincial-level administrative regions, providing a comprehensive view of the current state of family pension financial health [14]. Group 3: Asset Allocation and Pension Models - The survey found that family asset allocation is imbalanced, with over 70% in real estate and less than 5% in financial assets, highlighting a reliance on traditional pension methods [15]. - Home-based elderly care remains the mainstream model, with 46.34% of nuclear families and 49.56% of extended families preferring this approach [15]. Group 4: Recommendations for Improvement - The report suggests establishing a wealth management concept throughout the life cycle and expanding the second and third pillars of pension systems to enrich financial product offerings [16]. - It emphasizes the need for a multi-layered pension security system and improved social support, particularly for the 70s and 80s generations, who face economic, psychological, and social challenges [16].