宗良：完善家庭养老金融健康政策制度，充分发挥养老金融在社会保障中的作用

Core Viewpoint - The article emphasizes the urgent need for optimizing pension finance policies in response to the unprecedented wave of global population aging, highlighting the importance of developing a robust pension finance system to support social security and economic stability [2][3]. Group 1: Current Status of Pension Finance in China - The pension finance system in China is entering a critical phase of quality improvement, with a projected 15.6% of the population aged 65 and above by the end of 2024 [4]. - China has established a three-pillar pension finance system, which includes basic pension insurance, enterprise occupational annuities, and personal pensions, with a growing variety of pension financial products available [4]. - As of June 2024, there are 762 personal pension products available, including 465 savings products, 192 fund products, 82 insurance products, and 23 wealth management products, indicating a rapid increase in product diversity [4]. Group 2: Challenges in Pension Finance Development - The third pillar of personal pension finance needs faster development, as it currently covers less than one-tenth of the national population, with a phenomenon of "hot openings but cold contributions" [5]. - The shift from "intergenerational support" to "self-reliance" in pension finance is evident, with 61.64% of respondents in a survey considering "self-reliance" as the most reliable pension model [6]. - The current pension finance system shows a significant imbalance, with basic pension insurance achieving full coverage while personal pension systems lag behind [7]. Group 3: Government's Role in Pension Finance - The government should strengthen the third pillar by expanding the audience for pension finance, addressing the low coverage of personal pensions, and enhancing the system's multi-tiered development [8]. - There is a need to leverage the long-term and stable advantages of pension funds to reduce risks and increase returns by encouraging pension investments in capital markets [8]. - Establishing a robust risk management system and enhancing transparency in information disclosure are crucial for improving public trust in pension finance [9]. Group 4: Policy Improvements for Family Pension Finance - Current pension finance policies lack coordination and precision, with only 15.9 million employees covered by enterprise annuity plans, representing less than 20% of urban employment [10][11]. - Expanding tax incentives for low- and middle-income families could enhance participation in pension finance, as current tax benefits are limited [11]. - Diversifying pension financial products to meet various family needs and improving market regulation to increase awareness and trust in pension products are essential [12]. Group 5: Regional Development and Support for Underdeveloped Areas - There is a regional imbalance in pension finance, with a need for targeted policies to support underdeveloped areas, including the issuance of special pension bonds [14]. - Differentiated policies should be designed based on regional and urban-rural disparities, such as developing small-scale inclusive pension insurance products for rural areas [14]. Group 6: Integration of Technology and Pension Finance - Promoting the integration of technological innovation with pension finance and the pension industry is essential for optimizing the structure and enhancing development [15]. - The government should encourage social capital participation in the pension service industry, utilizing financial tools to support the development of diverse pension services [15]. - Effective management of pension assets and risk control is vital for ensuring the sustainable growth of the pension industry and meeting diverse social needs [16].