中国养老金融发展报告(2024)
中文摘要
2023年10月召开的中央金融工作会议明确指出,要“做好科技金融、绿色金融、普惠金融、养老金融、数字金融五篇大文章”,发展养老金融首次被列入中央会议,并被列为金融重点工作。在人口老龄化程度加深的背景下,养老需求不断增加,养老市场规模不断扩大,大力发展养老金融,有利于进一步创新养老产品与服务,满足国民多元化养老需求,助力社会和谐发展。本报告全面回顾了我国2023~2024年养老金融行业发展特征,分析了其面临的问题和挑战,并对未来发展趋势进行了研判。在此基础上,总结国内外经验,提出相关建议,目的在于推动社会各界共同关注、积极参与、深入探索适应我国养老金融事业发展的道路。
2023~2024年,我国养老金融迈向高质量发展。养老金金融方面,基本养老保险全国统筹稳步推进,个人养老金制度试点初见成效,多支柱养老金体系不断完善;养老服务金融方面,养老金融产品供给进一步丰富,养老财富消费业务推陈出新,为国民养老财富积累与消费提供了多样化的选择;养老产业金融方面,金融资本积极布局养老产业,着重建设养老产业生态圈。与此同时,目前仍存在养老金金融顶层设计有待完善、养老服务金融受到来自供需双方多重制约、养老产业金融融资存在结构性矛盾等诸多问题。未来应进一步优化政策设计,明确第一支柱功能定位,增强财务可持续性,着力扩大第二、三支柱覆盖面,完善养老金投资管理制度,促进三支柱养老金体系成熟定型;供需端共同发力,激发养老服务金融市场活力;推动生态构建,产融结合促进养老产业发展。
本报告着眼于2023~2024年国内外养老金融最新发展动态,一是以完善第二支柱投资管理体系为目标,分析了年金行业投资类REITs资产、建立统一信息交互机制的可行性和政策建议。二是提出了金融行业参与养老金融的潜在路径,分别在商业银行参与养老服务金融、公募基金养老金融产品设计方面探索新的可能性。三是介绍了国外私人养老金管理经验,分别对日本个人免税投资账户NISA、美国401(k)计划和英国集合缴费确定型管理模式进行全面剖析,以期为我国养老金制度的设计提供有益借鉴。
现阶段,我国正处于全面深化改革、推进中国式现代化的关键时期,多样化的国民养老需求、严峻的人口年龄结构挑战对养老金融发展提出了新的要求。伴随人口老龄化程度加深、传统家庭养老功能的弱化,加之公共养老金保基本定位的逐渐明晰,通过多元渠道储备养老财富成为新时代国民的重要选择,我国养老金融市场将迎来广阔的发展空间。在养老金融事业的起步发展阶段,目前仍面临一系列的问题和挑战。展望未来,必须明晰政府、市场和个人在养老储备中的权责定位,从供需侧共同发力,加快推动我国养老金融事业发展壮大,为我国应对老龄化挑战做好金融准备。
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