Optimizing financial services to support
2023-11-30
We need to continuously expand the content of financial services, optimize the quality of products and services, accelerate the construction of a financial service system that is suitable for the aging process of China's population, and develop elderly care finance. This is also a requirement for the high-quality development of the financial industry. With the improvement of the living standards and average life expectancy of the Chinese people, more and more people are choosing various elderly care financial products to provide security for the elderly. At the beginning of this year, Zhang Dongxu, a resident of Xiamen, Fujian, purchased an exclusive commercial pension insurance. This product has guaranteed returns and can be claimed for life. policyholders can also choose to pay monthly, annual, or lump sum premiums. "When you have plenty of money, you can pay more, but when funds are tight, you can temporarily not pay." Zhang Dongxu was very satisfied with this. A pension financial product with flexible payment, simple insurance, and stable returns, which meets the needs of flexible employment and other groups, is beneficial for consumers to carry out long-term pension planning, and has been well received by customers. Data shows that as of the end of September this year, there were a total of 637000 exclusive commercial pension insurance policies underwritten, of which about 79000 policies were purchased by employees in new industries, new formats, and flexible employment. Not long ago, the State Administration for Financial Supervision and Administration issued relevant documents to further expand the scope of institutions operating exclusive commercial pension insurance business. The practical exploration of exclusive commercial pension insurance reflects the important value of pension financial products, and provides vivid annotations for meeting the diverse pension needs of the people through financial innovation. Better serving the elderly care industry and the development of the elderly care industry is an important responsibility of the financial industry. To provide more financial support for the elderly care industry, we need to improve the system of elderly care financial products. In recent years, China has implemented a national strategy to actively respond to population aging, accelerated the development of a multi-level and multi pillar pension insurance system, and steadily developed pension finance. The financial services enjoyed by the people are becoming increasingly abundant. The pilot of the personal pension system is steadily advancing, with the number of participants exceeding 40 million; The accumulated liability reserve for commercial insurance businesses with pension attributes exceeds 6 trillion yuan; The cumulative issuance scale of pension financial products has exceeded 100 billion yuan... Pension financial products are becoming more diverse and cover a wider audience, but there is still a gap compared to the needs of the public. Looking towards the future, we need to continuously expand the content of financial services, optimize the quality of products and services, and accelerate the construction of a financial service system that is suitable for China's aging population process. In countries and regions with relatively complete pension systems, the proportion of market-oriented pensions is relatively high, while currently in China, this proportion is relatively low. With the deepening of China's aging population, there is an urgent need to convert certain personal assets into long-term, pension oriented, relatively safe, and profitable pension financial products, in order to enhance the people's own pension security capabilities. In response to differentiated needs, promoting innovation in elderly care financial products and further guiding the public to make investment plans for elderly care can effectively increase residents' willingness to purchase. In addition, some financial products, although labeled as "elderly care", are no different from ordinary wealth management products. Some institutions even use "elderly care services" and "healthy elderly care" as bait to carry out illegal fundraising activities and deceive elderly people's funds with "high interest and high returns". In response to such issues, we will use sharp edges to strengthen supervision, crack down severely on illegal and irregular behaviors, and protect the legitimate rights and interests of consumers
Edit：Luo yu Responsible editor：Wang er dong
Source：people.cn
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