保险公司发展个人养老金融产品的困境与对策

Dilemma and Countermeasures for the Insurance Company to Develop the Personal Pension Financial Products

我国人口正伴随高龄化、未富先老、未备先老等问题向经济发展施加压力。保险市场及学术界关注养老金融的热潮已有近十年之久,但针对个人养老金融服务的研究尚不全面。从现有保险公司提供的个人养老金融产品及服务现状,以及国家政策制度法规等角度看,保险公司提供大量"各具特色"的保险产品,存在着功能同质化,运作受争议,产品更新不能很好契合养老产业发展环境等问题。在养老产业发展大背景下,保险公司发展个人养老金融走出困境与发掘机遇,有赖于从产品类型与功能单一局面走向完善产品与营销服务,参与打造养老产业生态圈。同时,国家要出台相关政策,加强顶层设计,助推个人养老金融创新发展。

China is facing the pressure of economic development caused by the aging population, age before rich, age before provision and other problems. Insurance market and the academic community has been concerned about the upsurge of pension finance for nearly ten years, but the research on the financial services for the elderly is not comprehensive. From the view of existing status of the personal pension financial products and services and the national policies and regulations, there are the function of homogenization, operation controversial, product updates can not fit to support the development of old industrial environment and other issues in a large number of＆quot;unique＆quot; insurance products provided by the insurance company. Under the development background of the pension industry, the development of the insurance company to dispense predicament and explore individual pension financial opportunities depends on the type and function of products improving the products and marketing services and participating in creating the pension industry ecosystem. At the same time, the state should introduce relevant policies to strengthen top-level design, boost the development of personal pension financial innovation.