Our reporter Bao Xing'an

  Trainee reporter Yang Jie

  Since January, many places have entered the "local two sessions time", and the issue of pensions, which has always attracted much attention, has also become one of the hot words of the "local two sessions".

  Elderly care services are related to the well-off condition.

"Securities Daily" reporters reviewed the 2022 government work reports in many places and noticed that pension-related work was included in many places.

For example, the work report of the Beijing Municipal Government mentioned "time bank" for the first time, encouraging market-oriented professional institutions to participate in providing pension services such as meal assistance, and developing mutual assistance models such as time bank.

Shanxi Province stated that it plans to implement a number of public service projects such as elderly care and childcare, promote "5G + smart elderly care", and develop "silver economy".

Liaoning Province also mentioned the promotion of smart and healthy elderly care.

Jiangsu Province stated that it "establishes and improves the basic elderly care service list system".

  "The local government's inclusion of pensions in the work focus is not only the realistic need to face the phenomenon of social aging, but also the embodiment of the local government's active and active governance for the people." Director Song Xiangqing told the "Securities Daily" reporter that under the background of the continuous expansion of the elderly population in various parts of my country, the increasingly strong market demand for the elderly, and the rapid development of the elderly care service industry and the elderly leisure industry, local governments are committed to building around the needs of the elderly. More new forms of business, new industries, and new models make it a strong support for high-quality economic development and social harmony, creating conditions for enhancing social harmony, innovating old-age care models, and further exploring the mechanism and system for the whole society to support the elderly and enhance The bottom line.

  Mingming, chief economist of CITIC Securities, told the "Securities Daily" reporter that this is also conducive to reducing the burden on young people in terms of pensions, thereby alleviating fertility problems.

In addition, vigorously supporting and developing the elderly care service market will help boost the high-quality development of China's economy.

  It is worth mentioning that the Central Economic Work Conference held at the end of 2021 mentioned that this year's economic work should "promote the national overall planning of basic pension insurance".

In December 2021, the "Opinions on Promoting the Development of Personal Pensions" was released, which also means the beginning of a new era of "personal pensions".

  而在多地2022年政府工作报告中,“养老金”也榜上有名。例如,陕西省表示,“推进企业职工养老保险全国统筹,确保养老金按时足额发放”。河南省强调,“落实企业职工基本养老保险全国统筹工作”。河北省明确要提高退休人员基本养老金。西藏自治区要求,“城乡居民基本养老保险基础养老金人均提高10元”。广东省表示,“稳步提高城乡居民基本养老保险基础养老金、社会救助等标准”。

  “推动基本养老保险全国统筹是我国养老事业、养老产业与保险有机融合、协同发展,以应对人口老龄化的必然选择,也是构建全国养老网络体系、形成全国养老一盘棋机制和方案的重要手段。”宋向清表示,这有利于破解养老保险资金只能在省域支付的机制限制,促进我国养老和保险的跨区域融合和便捷化支付,可以快速提升老年人生活品质,大大提高老年人的养老获得感、幸福感和踏实感。

  “我国近年来一直重视养老保险保障的多样化和多层次,为老年人提供更多的养老选择和便利,其中第三支柱商业养老保险和个人储蓄养老保险已持续发展成为中国养老金体系的新增长引擎。不过,目前第三支柱相对较弱,需要通过构建新型服务体系加以补强。”宋向清进一步表示。

  对此,明明从三方面提出建议:一是从顶层设计出发,构建三个支柱的统筹协调发展机制;二是加大金融机构和政府部门对“第三支柱”的宣传教育和引导;三是通过税收政策驱动,建立政策激励机制,例如将第三支柱与个人所得税挂钩,或购买第三支柱的职工可以减少养老保险的缴费率。

  在宋向清看来,资本市场是养老事业和养老产业的重要支撑,未来可以通过继续加大税收优惠力度,加快构建多机构联合监管体系,加强完善个人养老金账户体系等系统性改革实现第三支柱与资本市场的有效衔接。对于资本市场和各类金融服务商、投资运营企业等来说,第三支柱养老金市场既是资本和企业发展的战略机遇,也是社会和历史的使命召唤,建议相关养老金产品供应商、供应渠道和养老金顾问机构等能够共同参与,协力同行,积极创建真正以客户为中心的新养老商业新模式,为我国第三支柱养老发展创造扎实的资本和服务支撑。

  (Securities Daily)

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