Great pension financial market potential!The general trend of integration and development, "You have me, you have you", this policy also needs to be introduced urgently

"A series of policy bonuses have allowed the development of the elderly to insert the wings of finance, install the engine of innovation, and the innovative development of pension finance in the future."

At the "First Beijing Pension Finance Innovation Summit" held during the 2022 China International Services Trade Fair, participants combined with Beijing aging situation that the development of pension finance was an important measure to improve pension protection, and the market potential of pension finance was huge.

From the perspective of development, the development of the pension financial industry is still in its infancy. A feeling of the industry is the integration trend of "you have me and you have you". In the future, relevant parties such as financial institutions, the health care industry, etc. will also be required to strengthen cooperation, create and integrate together, and jointly help the high -quality development of the elderly career and the pension industry.

The development of pension finance is an important measure to improve the pension guarantee

Data show that as of the end of 2021, the population of Beijing 60 and above reached 4.416 million, accounting for 20.2%of the total population, and has entered a moderate aging society. It is estimated that by 2035, the elderly population in Beijing will be close to 7 million, entering the aging society with a severe population, and it will last a long time. At the same time, Beijing has also entered the "longevity era", with an average expected life expectancy of 82.47 years.

"How to actively respond to the aging of the population and build an elderly health service system is a topic we face together. It is also a problem." Chang Wang Xiao'e said that the development of pension finance in combination with international experience and my country's three -pillar pension guarantee system is one of the important measures to improve the protection of elderly protection.

In recent years, the state has successively introduced a number of pension insurance systems and policies, and proposed "to accelerate the development of multi -level and multi -pillar endowment insurance systems." Zheng Bingwen, director of the World Social Security Research Center of the Chinese Academy of Social Sciences, believes that the general direction of policy reform is to promote my country's pension insurance system. From the debt -based system to the asset -type system, from "demographic dividend" to "market dividend" The market dividend of income to replace the disappearance of the disappearance.

On April 21, the General Office of the State Council issued the "Opinions on Promoting the Development of Personal Pension", which established a personal pension system framework for government policy support, voluntary participation, and market -oriented operations; The notice of promoting the development of commercial pension financial business "clearly supports bank insurance institutions to carry out personal pension business, and stipulates basic standards and principles. At the same time, relevant measures have also introduced relevant measures such as the development of pension finance and promoting the reform of financial services.

"A series of policy bonuses have allowed the development of the elderly to insert the wings of finance and install the engine of innovation. The innovative development of pension finance will be expected in the future." Said Zhao Weijiu, a member of the party group and deputy director of the Beijing Local Finance and Administration Bureau.

Cross -border integration service pension needs

When it comes to the development of pension finance, the industry's experience is the "integration" trend. Many times, "you have me, you have you".

"To promote the sustainable and healthy development of the elderly, the forces from all walks of life need to actively participate." Yang Shujian, president of Bank of Beijing, said that the new situation of creating a new situation of pension finance must focus on the construction of "sceneization" and improve the ecology of cross -border cooperation in pension. He introduced that Bank of Beijing will continue to serve the elderly industry ecosystem with outstanding pension forms, clear investment characteristics, and qualifying for individual needs, and explore cross -border integration of different formats such as medical care, recreation, and nursing.

Guo Guanglei, chairman of Beijing Life Insurance, believes that in the face of the challenges of pension guarantee in the long -lived era, the financial industry should play its own advantages, and scientifically integrates insurance, health and wealth management that is closely related to the elderly to meet the goals of the combination of medical care and abundance of the whole society. Essence

In Guo Guanglei's view, personal insurance companies have unique advantages in providing pension guarantee and docking health services. In terms of providing pension guarantee, the life insurance contract has the characteristics of long term, and has a longer capital operation cycle in providing customers with pension guarantees, which can practice long -termism and carry out pension guarantee planning for insurance customers in a longer period. "To build a 'insurance+recreation service' guarantee system for the demand for health in the long life, it is an important direction for the current transformation of the life insurance industry."

"From the country to the society, from now to the future, health care services will surely become an indispensable and important industry in the happy life of people. During the period, it ushered in a period of strategic opportunities for more comprehensive, fair and sustainable development. "Li Yang, executive deputy general manager of Beijing Kangyang Group, said that Beijing Kangyang Group came into being under the strong social needs and favorable policy environments. Since its establishment, Beijing Kangyang Group has vigorously developed a healthy pension industry based on inclusive pensions, and actively explored the innovative path of super -large city pension services.

Pension finance includes three aspects: one is pension finance, mainly refers to the development of the third pillar of the pension; the other is the financial service finance of the elderly service finance, that is, the financial product of the financial end of the bank and insurance; the third is the financial industry finance Cooperation such as financing to support the development of the pension industry.

Li Yang said that related research shows that when the per capita GDP reaches more than $ 13,000, the industrialization of pension demand will enter the explosive stage. The logo is the effective integration of industries and finance, and promotes the rapid development of the pension industry through finance.

Looking forward to the introduction of pension asset REITS policy

At present, the financial development of the pension industry is relatively lagging. In response to the large -scale investment scale and long recycling cycle, financial institutions are urgently needed to use financial advantages and innovative financial products, and continue to explore the integration of the "ecosystem" of the pension. Li Yang put forward specific expectations on the financial instrument policy of the development of the elderly industry:

First, the return period of the pension industry has a long return period, the international experience of the benchmark, and the lack of asset securitization such as asset securitization on the full cycle of asset exit channels. It is expected that related policies for securitization of pension industries such as REITs will be introduced as soon as possible.

Second, the Kangyang Industry Light asset operation service is showing a variety of services. It is expected that in the process of promoting the development of indirect financing to direct financing, it can provide certain support policies for the IPO of the Kangyang Industry Light assets, helping the industry to obtain more direct financing, and obtaining it. Continuous development.

In addition, it is hoped that long -term care insurance can be launched as soon as possible on the basis of the Beijing Shijingshan pilot to solve the difficulty of paying the crowd in pocket security, and can incorporate some rehabilitation services in.

"The development of financial services for the care of the elderly, focusing on the urgent needs of the people, allocating more financial resources to key areas and weak links of economic and social development, which is conducive to improving the efficiency and level of financial services, and better satisfying the financial diversification of the people and the real economy Demand. "Yang Shujian said.

"Enter the narrow door, go far away, and see the micro -light." Li Yang said that the pension industry is long -term, but it is also necessary for the stage of social development. I hope to insist on doing difficult and correct things with the industry. Dawn.

Responsible editor: Li Xuefeng

School pair: Yao Yuan

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