关于金融支持中国式养老事业 服务银发经济高质量发展的指导意见/Guiding Opinions on Financial Support for Chinese style Elderly Care Services and High quality Development of Silver Hair Economy

近日，中国人民银行、金融监管总局、国家发展改革委、民政部、财政部、人力资源社会保障部、国家卫生健康委、中国证监会、国家医保局等9部门联合印发《关于金融支持中国式养老事业 服务银发经济高质量发展的指导意见》（以下简称《意见》）。

《意见》以习近平新时代中国特色社会主义思想为指导，坚持以人民为中心的发展思想，牢牢把握健全体系、增进福祉的总要求，界定养老金融内涵和外延，明确2028年和2035年养老金融发展的阶段性目标，从支持不同人群养老金融需求、拓宽银发经济融资渠道、健全金融保障体系、夯实金融服务基础、构建长效机制等5方面提出16项重点举措。

《意见》指出，要聚焦不同老龄群体提供多样化养老金融服务，支持备老群体做好养老资金储备和财富规划，针对农村养老需求加大金融资源倾斜力度。完善金融支持银发经济的服务体系和管理机制，扩大银发经济经营主体和产业集群发展的信贷投放，加大直接融资支持力度，拓展多元化资金来源渠道。

《意见》强调，要大力发展养老保险一、二、三支柱，进一步推进商业保险年金产品创新，加强养老金融产品设计和投资管理，提升金融服务适老化水平，加强老年人金融知识宣传教育和消费权益保护，加大对涉老非法金融活动的防范打击力度。完善制度保障，加强部门协作与信息共享，强化货币政策、保险监管、融资配套、税收优惠等方面政策支持，强化统计监测和效果评估。

下一步，中国人民银行将会同有关部门加快建立养老金融工作落实机制，紧紧围绕《意见》要求，全力做好养老金融大文章，助力中国式养老事业，服务银发经济高质量发展。

Recently, nine departments, including the People's Bank of China, the State Administration of Financial Supervision, the National Development and Reform Commission, the Ministry of Civil Affairs, the Ministry of Finance, the Ministry of Human Resources and Social Security, the National Health Commission, the China Securities Regulatory Commission, and the State Medical Insurance Bureau, jointly issued the Guiding Opinions on Financial Support for the High Quality Development of Chinese style Pension Services Banking Economy (hereinafter referred to as the Opinions).

The Opinion points out that it is necessary to focus on providing diversified pension financial services for different elderly groups, support the reserve of pension funds and wealth planning for the elderly population, and increase the tilt of financial resources for rural pension needs. Improve the service system and management mechanism of financial support for the silver economy, expand credit allocation for silver economy operators and industrial clusters, increase direct financing support, and expand diversified funding sources.

The Opinion emphasizes the need to vigorously develop the first, second, and third pillars of pension insurance, further promote innovation in commercial insurance annuity products, strengthen the design and investment management of pension financial products, enhance the aging level of financial services, strengthen the promotion and education of financial knowledge and consumer rights protection for the elderly, and increase the prevention and crackdown on illegal financial activities involving the elderly. Improve institutional safeguards, strengthen departmental collaboration and information sharing, enhance policy support in areas such as monetary policy, insurance supervision, financing support, tax incentives, etc., and strengthen statistical monitoring and effectiveness evaluation.

In the next step, the People's Bank of China will work with relevant departments to accelerate the establishment of an implementation mechanism for pension finance, closely focus on the requirements of the Opinions, make every effort to do a good job in pension finance, help the Chinese style pension business, and serve the high-quality development of the silver economy.