新时代中国养老金融高质量发展的突破路径白皮书

White Paper on High-Quality Development Paths for China’s Aging Finance 顾问：沈子昌、张 敏、王宏林 前言······················································································································································· 08 主编：郑苏晋 第一章养老金融高质量发展阶段的来临··············································································· 10 副主编：郑 敏、刘 健、陈 辉 （一）养老金融的基本概念························································································································ 12（二）养老金融的发展演变························································································································ 12（三）养老金融的发展现状························································································································ 14 编写成员：刘晗舒、吴卓远、赵佳豪、侯昕懿、王艾可、燕令葭 二、养老金融主要产品概况························································································································ 16 鸣谢：陈 恒、储飞晴、唐歆云、徐 婧、曹曼华、蔡 民、国宇翔、戎 雅、吕佩雯、王 萌、张建军、舒雄飞、刘 洋 （一）商业保险年金·································································································································· 16（二）养老储蓄产品·································································································································· 16（三）养老理财产品·································································································································· 17（四）养老基金产品·································································································································· 17（五）其他养老金融产品··························································································································· 17 牵头编写单位：中央财经大学友邦人寿保险有限公司 （一）养老金融总体发展趋势····················································································································· 18（二）商业保险年金发展趋势····················································································································· 19 组织编写单位：中央财经大学保险学院、中国精算研究院中央财经大学中国精算科技实验室 （一）养老金融高质量发展的必要性和紧迫性····························································································· 21（二）养老金融高质量发展的重要意义······································································································· 23 第二章养老金融高质量发展的基本任务··············································································· 24 一、总体战略任务······································································································································ 26 二、养老金融高质量发展的基本任务（政策透视图）··················································································· 27 （一）服务中国式现代化建设····················································································································· 36（二）服务多层次养老保险体系建设··········································································································· 36（三）服务银发经济高质量发展················································································································· 37（四）服务金融强国建设··························································································································· 37 四、养老金融高质量发展的基本任务（金融业发展层面）············································································ 38 （一）推进国家金融体系改革····················································································································· 38（二）优化养老保险体系结构····················································································································· 38（三）提升养老金融服务能力····················································································································· 39（四）促进寿险业高质量发展····················································································································· 39 （一）夯实发展基础：养老金金融布局······································································································· 72（二）强化发展支撑：养老服务金融布局···································································································· 72（三）助推发展实现：养老产业金融布局···································································································· 73 （一）再分配功能······································································································································42（二）储蓄功能·········································································································································42（三）风险共担功能··································································································································42（四）多重功能有机统一···························································································································43 四、微观：创新养老金融业务实践·············································································································· 74 （一）供需协同：政策引领与产品创新·······································································································