"我每年都往个人养老金账户存12000元，目前买了1只基金、2只理财产品，都是正收益。"9月16日，家 住上海的黄女士近日告诉上海证券报记者，自个人养老金制度实施以来，她就开始每年定存，既能抵 税，又能多一份养老保障。 黄女士参与个人养老金制度只是我国养老"新支柱"发展的一个缩影。目前，以第一支柱基本养老保险为 根本，第二支柱企业年金和职业年金、第三支柱个人养老金及商业养老金为支撑，我国多层次、多支柱 养老金融体系已经基本建成，人民群众积累养老金有更多选择。但上证报记者调研了解到，"新支柱"发 展中的覆盖面不足、缴存资金少等堵点仍待解决。 "新支柱"发展堵点待疏 此外，在基本养老保险托底的基础上，企业年金、个人养老金及商业养老金等金融"新支柱"也逐渐发展 起来，成为未来满足人民群众多样化、品质化养老生活的"钱袋子"。 数据显示：截至2024年末，第二支柱企业年金和职业年金合计投资运营规模约6.75万亿元，较2020年末 增长超九成；截至2024年11月底，36个城市（地区）超7200万人开立个人养老金账户；2024年商业养老 金业务市场规模已突破千亿元。 养老金融"百花齐放" 积极应对人口老龄化，助力多层次、 ...

Core Viewpoint - The article discusses the challenges and opportunities in enhancing the health of family pension finance in China amidst an aging population and the need for quality elderly care solutions [2]. Group 1: Current State of Pension Finance - The current pension finance system in China is characterized by a three-pillar structure, with the first pillar being basic pension insurance, which is insufficient for quality retirement living due to rapid aging and rising living standards [4]. - China's pension asset accumulation is significantly lower than that of high-income countries, with personal pension assets accounting for only about 4% of GDP compared to nearly or over 90% in OECD countries [4]. - The coverage rate of the third pillar personal pension can be significantly improved, as evidenced by the 93% coverage rate among employees of the State Grid Hubei Company [4]. Group 2: Policy and Structural Challenges - Current pension finance policies have a framework in place but lack sufficient funding, precision, and regional coordination, particularly for low-income groups [5]. - The second pillar, which includes enterprise and occupational annuities, has low participation, especially among private and small enterprises, necessitating policy incentives to broaden coverage [13]. - The third pillar relies on voluntary participation, which is insufficiently attractive, indicating a need for enhanced incentives to encourage participation [13]. Group 3: Role of Insurance in Pension Finance - Insurance plays a unique role in providing stable, long-term cash flow for retirement, which is crucial for meeting diverse family pension needs [7]. - The focus should be on creating a network that integrates insurance with services and experiences, addressing the growing demand for accessible elderly care resources [7]. Group 4: Recommendations for Improvement - To enhance personal pension systems, it is essential to explore diversified incentive mechanisms that can increase participation rates, especially among low- and middle-income groups [8]. - The design of pension financial products should prioritize long-term cash flow stability and cater to varying income levels and retirement plans [11]. - There is a need for better integration of pension finance with elderly care services, ensuring that facilities meet the actual needs of the elderly and leveraging technology to improve service efficiency [12].