南方财经全媒体记者 林汉垚 随着人口老龄化持续加深，我国养老领域制度体系日益健全，服务供给持续优化，产业生态协同推进。 即将到来的"十五五"时期，将是我国人口老龄化水平快速提升的关键阶段，养老保障体系亟需适应更庞大的服务需求、应对更复杂的结构变 化，而银发经济也在此过程中迎来广阔发展机遇。 国民养老党委书记、总经理黄涛指出，我国养老体系正从"老有所养"向"老有幸福"转型，但供需仍存在结构性错配，需兼顾"有没有"与"好不 好"的双重目标。 城市养老水平仍存明显区域、群体差异 《发现》显示，中国城市养老从"基础覆盖"迈向"质量提升"新阶段，总体仍有提升空间，同时区域梯度明显；养老公共服务均等化取得显著成 效，"养老财富储备"与"银发经济发展"成为城市排名"分水岭"，需构建"制度—服务—产业—环境"协同发展的生态体系，通过政府、市场、社 会与个人的共同参与，实现"有备而老、有质而老"的和谐养老愿景。 金融企业需聚焦居民多元养老需求 发展养老金融，是促进中国特色金融和养老事业高质量发展良性循环的重要着力点。 而"十四五"时期，我国居民的金融养老需求发生了显著变化。 截至2024年底，我国60岁及以上老年人口已达3.1 ...

Core Insights - The personal pension system in China, launched on November 25, 2022, has completed three years, leading to significant changes in the pension financial market and the silver economy, reshaping the entire pension industry chain [1] - The transition of the pension system from "basic support" to "happiness in old age" is underway, but there remains a structural mismatch between supply and demand [1] - The awareness of residents regarding pension savings has shifted from merely having savings to focusing on long-term planning [1][2] Group 1: Changes in Pension Awareness and Financial Products - The introduction of the personal pension system has led to a structural change in residents' pension savings behavior, with a growing emphasis on long-term planning rather than just having savings [1][2] - Financial institutions are accelerating their layout adjustments, moving from merely selling products to providing systematic and long-term solutions for pension planning [2] - The awakening of the third pillar of pension savings indicates that residents are beginning to plan for retirement from a lifecycle perspective [2] Group 2: Financial Institutions' Strategies and Innovations - National pension funds are exploring a "light asset, light institution, light personnel" operational model to enhance efficiency and reduce costs through digitalization [2] - Insurance funds are becoming a crucial stabilizer for pension investments due to their stable returns and long duration, aligning well with the safety and long-term needs of pension funds [2] - Large banks are constructing a comprehensive "pension finance + service + industry" ecosystem, with Industrial and Commercial Bank of China managing over 5.8 trillion yuan in pension assets [3] Group 3: Community and Service Innovations - The urbanization rate in China has reached 67%, with 940 million people living in cities, making community services a critical factor in determining the quality of life for the elderly [3] - There is a significant demand for elderly-friendly renovations, with over 110 million households needing such modifications, indicating a mismatch between supply and demand [3] - The integration of services, products, and technology in the pension sector is expected to address traditional service industry labor shortages and create new opportunities across various sectors [4]