中国养老金融发展报告（2022）
中文摘要
《中国养老金融发展报告（2022）》由中国养老金融50人论坛组织研创，是一部对我国养老金融发展情况进行跟踪研究的蓝皮书。本报告全面回顾了2021～2022年我国养老金融行业的发展情况，分析了其面临的问题和挑战，并对其未来发展趋势进行了研判。在此基础上提出了相关思考和建议，目的在于推动社会各界共同关注、积极参与并深入探索适应我国养老金融事业发展的道路。
本报告由总报告、分报告、产品篇、专题篇和借鉴篇等组成。其中，总报告从宏观视角对我国养老金融发展现状进行了分析，阐述了2021～2022年我国养老金融发展过程中在养老金金融、养老服务金融以及养老产业金融等方面存在的问题，并提出了一系列政策建议。分报告分别以养老金金融、养老服务金融和养老产业金融为研究主题，在对其发展现状及发展特点进行剖析和发展趋势预判的基础上，分别提出了促进养老金金融、养老服务金融和养老产业金融发展的相关建议。产品篇分析了2021～2022年我国养老金融产品市场的发展概况与特点，总结了我国试点养老理财产品的要素与特征，并与其他养老金融产品进行比较。同时，从发展现状、基本要素、投资绩效、内外部基金持仓情况等方面对养老目标风险基金和养老目标日期基金进行了详细分析，指出面临的问题并提出完善我国养老目标基金的对策建议。专题篇分析了美国目标风险基金、目标日期基金发展历程与现状，总结了英国养老金计划面临的可持续性问题和应对措施，同时也探讨了未来允许国内养老基金产品演示收益风险的可能性和投资顾问在个人养老金投资中存在的问题及未来可能改善的路径。借鉴篇介绍了海外私人养老金投资收益率情况以及政策制度上的新动态，重点聚焦日本、瑞典、新加坡、新西兰等养老金融发展相对成熟的国家，归纳和提炼这些国家在养老金投资及管理方面的经验做法、发展成果及不足之处，为我国养老金融发展提供国际经验借鉴。
现阶段，我国已经全面建成小康社会，人民生活水平有了显著提升，养老需求和期待也呈现多元化的发展趋势。同时，伴随人口老龄化的快速发展、传统家庭养老功能的弱化以及制度化养老金待遇的有限性，通过多元化的渠道储备养老财富成为新时代国民的重要选择，由此可见，未来我国养老金融市场广阔。然而，受制于一系列主客观因素，加之起步较晚，我国养老金融事业在发展过程中存在诸多问题与不足，滞后于发达国家。未来，必须综合政府、市场、家庭和个人等多方力量，从养老金融市场的供给侧和需求侧共同发力，加快推动我国养老金融事业发展壮大，为我国应对人口老龄化挑战做好金融准备。
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总报告
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分报告
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产品篇
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专题篇
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借鉴篇
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附录
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