专题：中国社会科学院社会保障论坛暨《中国养老金发展报告2025》发布式 12月6日金融一线消息，中国社会科学院社会保障论坛暨《中国养老金发展报告2025》发布会今日召 开，北京大学风险管理与保险学系主任、北京大学中国保险与社会保障研究中心主任郑伟出席并围绕养 老金体系建设中的四大权衡取舍问题发表演讲。 12月6日金融一线消息，中国社会科学院社会保障论坛暨《中国养老金发展报告2025》发布会今日召 开，北京大学风险管理与保险学系主任、北京大学中国保险与社会保障研究中心主任郑伟出席并围绕养 老金体系建设中的四大权衡取舍问题发表演讲。 第一是政府当期让利与未来增压的权衡。郑伟指出，第二、三支柱养老金的税收优惠及政策支持，这里 边涉及到当期让利的主要目的不是为让利而让利，而是通过政府的让利能够撬动更多企业、家庭、个人 的资源和政府一起构筑一个应对人口老龄化的经济安全网，本质是为未来减负。 第二是企业年金表象公平与企业自主决策的权衡。针对企业年金覆盖面窄的问题，郑伟认为核心症结在 于企业的后顾之忧。 他提出两点建议：一是允许部分覆盖，二是放宽企业缴费调整限制。 三是个人养老金"父爱主义" 与个人自主决策的权衡。郑伟解释 ...

Core Insights - The report emphasizes the critical role of capital markets in the pension system, which is essential for promoting long-term investment, serving the real economy, and enhancing residents' financial well-being [1][2] Group 1: Pension System Analysis - The white paper analyzes the trend of population aging in China, the structure of the pension system, and the current supply of pension financial products, providing new research perspectives and action recommendations for sustainable development [1] - Based on a survey covering 33 provinces and 15,000 samples, the report delves into residents' awareness of pension planning, savings and investment behaviors, and product preferences [1] Group 2: Strategic Importance of Pension Finance - The construction of the pension system is deemed crucial for addressing population aging and promoting long-term economic stability [2] - The company aims to deepen local cooperation by introducing global mature asset allocation concepts, pension investment strategies, and risk management frameworks into the Chinese market [2] Group 3: Long-term Investment Focus - The company positions pension finance as not only a financial endeavor but also a long-term social project, emphasizing the importance of long-term investment capabilities and sustainable pension financial services [2] - The company plans to enhance its pension investment research system and develop diversified investment solutions to help Chinese investors achieve long-term wealth accumulation and a stable retirement life [2]