企业年金正在迎来发展新契机。在我国积极发展多层次、多支柱养老保险体系的背景下，多个地区正积 极推动企业年金扩面。 数据显示，截至2024年底，我国建立企业年金的企业有15.93万户，参加职工有3241.84万人，企业年金 积累基金额达3.64万亿元。 多地出台政策 推动企业年金发展 企业年金不仅是多层次养老保障体系的重要组成部分，对于企业可持续发展也有重要意义。近日，北京 市人力资源和社会保障局印发《聚焦打造国际一流"北京服务"全面优化人社领域营商环境工作方案》， 其中提及"推动企业年金扩面发展"，内容包括"依托人才年金试点、企业年金联盟进一步推动企业年金 扩面发展，助力企业更好留住人才"。 覆盖面仍然较小 企业年金指企业及其职工在参加基本养老保险基础上，通过集体协商自主建立的补充养老保险制度，是 我国多层次养老保险体系中第二支柱的重要组成部分。 我国企业年金制度建立已超20年，在助力多层次养老保险体系建设方面发挥了重要作用。与此同时，企 业年金发展也存在覆盖面较小的问题。目前，企业年金积累基金规模仅约占GDP（国内生产总值）的 2.7%，参与企业和职工人数有待进一步增加。 记者采访获悉，影响企业年金制度扩面 ...

Investment Rating - The report does not explicitly provide an investment rating for the industry Core Insights - The report emphasizes the need for a national action plan to address aging population challenges and the integration of technology in the elderly care sector [10][15][49] - It highlights the potential of the silver economy as a new growth point, predicting that by 2050, the elderly industry could account for over one-third of GDP [18][23] - The report discusses the importance of optimizing the pension system and enhancing the quality of pension finance to support China's modernization efforts [78] Summary by Sections Key Focus - The report discusses the government's comprehensive approach to aging, shifting from merely addressing elderly care to a holistic life-cycle support system [10][15] - It highlights the role of artificial intelligence in transforming the elderly care industry, improving service efficiency and quality [49][50] - The report also addresses the need for increased basic pension standards and a more scientific adjustment mechanism for pensions [57][59] Industry Research - The report includes insights on optimizing the pension system, emphasizing the need for a multi-pillar approach and improved structural design [63][74] - It discusses the progress and future outlook of China's pension insurance system, noting significant reforms and the need for further integration and coverage [69][73] - The report suggests enhancing the role of commercial insurance in the healthcare sector to alleviate funding bottlenecks [33][39] Forum Dynamics - The report reflects on the discussions held at the Tsinghua PBCSF Pension Finance Forum, focusing on the intersection of technology and finance in the elderly care sector [10][49] - It emphasizes the importance of collaboration among various stakeholders to create a robust elderly care ecosystem [10][49] - The report also highlights the need for policy support to facilitate the integration of technology in elderly care services [50][52]