关于促进养老金融高质量发展的若干措施/Several measures to promote the high-quality development of pension finance

安徽省近日出台《关于促进养老金融高质量发展的若干措施》，旨在推动银发经济及养老产业健康发展。

该措施由省委金融办、省民政厅等四部门联合印发，强调构建多层次、全周期养老金融体系，鼓励金融机构创新信贷产品并支持广德养老金融示范区建设。

政策优化企（职）业年金制度，推广差异化个人养老金产品，探索商业保险年金与长期护理保险融合，推动“保险+医养”模式及人工智能在养老领域的应用。

同时，将建立养老产业“白名单”融资机制，促进企业与金融机构精准对接，并加强预收费监管，推行存管三方协议，确保风险防控。

Anhui Province recently issued several measures to promote the high-quality development of elderly care finance, aiming to promote the healthy development of the silver economy and elderly care industry.

This measure is jointly issued by four departments including the Provincial Party Committee Financial Office and the Provincial Department of Civil Affairs, emphasizing the construction of a multi-level, full cycle elderly care financial system, encouraging financial institutions to innovate credit products, and supporting the construction of the Guangde Elderly Care Financial Demonstration Zone.

Policy optimization of enterprise (vocational) pension system, promotion of differentiated personal pension products, exploration of the integration of commercial insurance pension and long-term care insurance, promotion of the "insurance+medical care" model and the application of artificial intelligence in the field of elderly care.

At the same time, a "whitelist" financing mechanism for the elderly care industry will be established to promote precise docking between enterprises and financial institutions, strengthen pre fee supervision, implement a tripartite agreement on custody, and ensure risk prevention and control.