“十五五”时期养老金融的机遇与对策｜财富与资管

Group 1 - The article emphasizes the need to accelerate structural transformation in the pension finance sector to provide social security for people's livelihoods, aligning with the national strategy to enhance the multi-tiered pension insurance system [2][3][4] - The aging population and declining birth rates pose significant challenges to the economy, necessitating a comprehensive and systematic approach to reform and innovation in pension finance to address these issues [3][5][6] - The article highlights that pension finance is crucial for promoting common prosperity and should be integrated with various social resources to enhance services in education, healthcare, and social security [5][6][7] Group 2 - The article discusses the importance of innovation in pension finance services to optimize the livelihood sector and provide new momentum for economic structural transformation [7][8] - It points out that the inadequacy of the social security system is a major factor hindering the release of consumer potential, with China's consumption rate remaining around 40%, significantly lower than that of developed economies [9] - The article suggests that improving the social security system is essential for transitioning to a consumption-driven economy, with pension finance playing a foundational role in this process [9]