Wang Hong, Dean of China European International Business School: Personal pensions must be excellent structure, promoting uniform, total amount, expansion, sustainable

Economic Observation Network reporter Wang Qing's aging of Chinese society is continuously deepening. How to promote the high -quality and sustainable development of social security undertakings, and realizing that the country's common prosperity has become an important issue for social development. In this context, the China -Europe International School of Industry and Commerce officially established the Social Security and Pension Financial Research Institute on August 21.

Wang Hong, the president of the China -Europe International Business School and the chairman of the Academic Committee of Social Security and Pension Finance Research Institute, said in an interview with the Economic Observer that social security and pension career are related to the vital interests of everyone and every family, and the economy is about sustainable for economy. The high -quality growth is related to the people's longing for a better life, and the future destiny of the development of the country. With the development of population aging and the normalization of the epidemic, the consensus of the community of human destiny has continued to deepen, and the people's longing for a better life must be continuously improved. It is necessary to give full play to the role of social security economy stabilization device and people's livelihood safety network.

The problem of pension has become a strategic issue of human sustainable development

At present, the national social security and pension cause are facing a series of new trends, which have entered a new stage of development, and urgently need new strategic response measures.

Earlier this year, in the "Fourteenth Five -Year Plan" National Aging Career Development and Pension Service System Plan issued by the State Council, it is clearly stated that "actively use think tanks and third -party forces, strengthen basic research, promote multidisciplinary cross -integration, and develop aging. Trend forecasting and pension industry prospects ". In this context, the China -Europe Social Security and Pension Finance Research Institute was formally established.

"In fact, the problem of pension has become a strategic issue of human sustainable development of human beings in the world. As a socialist country, China should play a positive role in social system excellence. This is a challenging issue. It is also a problem that must be guaranteed by the system. "Wang Hong said.

When talking about the background and positioning established by the Institute, Wang Hong said that according to the strategic requirements and development trends of the development of social security and pension finance in the new era, the Institute is based on the strategic positioning of "China's depth and global breadth" to focus on social security, pension -career, pension -career, Field of financial research. Among them, the field of social security mainly focuses on the pillar system of pension insurance, healthy China strategy and medical insurance, common prosperity and social security system; the field of pension finance mainly focuses on pension financial systems, personal pension systems, pension investment operations, etc. It aims to promote the study of academic theory and public policies to promote the sustainable and high -quality development of economic and socially society, and become a research platform and high -end think tank with global influence.

In terms of social security, in terms of theme and focus design, the research institute is first to study the new stage of high -quality sustainable development of the endowment insurance system to meet the requirements of ordinary people's desire for high -quality sustainable and beautiful life, and how to make public financial resources It can ensure and how to make the superiority of the socialist system fully reflected in the design process of uniforms. In addition, how to build a multi -level, multi -pillar social security system.

The new strategy of Chinese social security and pension finance

At present, the development of Chinese social security and pension finance is in a new trend.

Wang Hong said that we are facing a new trend of aging population structure. The aging population has spread globally, and the earth is slowly becoming "old". 21 countries worldwide have entered super aging, with a total fertility rate at a low level. The population has changed from high growth to low growth, and its focus has gradually moved south, resulting in uneven social distribution.

In Wang Hong's view, the current social security and pension finance have entered a new stage of development.

First of all, after the establishment of a well -off society in an all -round way, China has launched a grand blueprint for the second century -old struggle goal, and has opened a new journey of comprehensively building a socialist modern country. The great rejuvenation of the Chinese nation has entered an irreversible historical process. It is necessary to build a people -centered social security system, highlight the significant advantage of the socialist system with Chinese characteristics, and improve the effectiveness of social security governance.

Secondly, the social development of my country's social development better meets the people's longing for a better life and solidly promote common prosperity. The development of the social security system is facing new requirements for high -quality and sustainable development. At the same time, the development of population development is facing a new situation of continuous decline in fertility and aging from the "peak" to "plateau". The epidemic prevention and control has entered a new normal and the new normal of medical and defense linkage. The technological development has entered the smart platform and the "national coordination" New Field.

Therefore, Wang Hong believes that "in the new stage, to solve the problem of social security and pension, it is necessary to re -examine the value and quality of life. On this basis, China's social security and pension financial development must also adopt a new strategy. ","

Wang Hong gives suggestions from five aspects of pension insurance system, medical security system, and pension system:

First, the system of the three pillars of pension insurance in my country has a pillar independent problem. The company's annuity and occupational annuity account for little proportion. Personal pensions are still in its infancy. Optimize the five key aspects of coverage and sustainable pension insurance system.

Second, in order to attract more people to join the personal pension system, we must further explore the improvement mechanism of the three pillar systems in my country, establish a pension transfer and mobility mechanism between various pillar personal accounts, and gradually realize the transfer of personal account transfer. It is also necessary to optimize the tax method, enhance the scope of benefits, and continuously expand the pension product pool. At the same time, in terms of risk supervision, the coordinated supervision mechanism of the Ministry of Human Resources and Social Security, the Ministry of Finance, the Ministry of Taxation and the Financial Department. Third, the current medical security system has problems with imbalanced development and inadequate protection in the development process. Therefore, it is necessary to build a multi -level medical security system to meet the diversified needs of the people. It is necessary to carry out the reform of the three medical linkage, and to accelerate the transformation from "cure disease" to "health -centered". It is also necessary to achieve cross -provincial medical settlement and reduce the cost of residents' free migration nationwide. It is also necessary to continue to promote long -term care insurance and improve the multi -level nursing service system.

Fourth, the construction of healthy China requires coordinated efforts in multiple fields and co -construction. The "Healthy China 2030" Planning Outline proposes the "three steps" strategy of a healthy country. From 2020 to 2025, it is a basic construction period, and a health country must be constructed; from 2025-2035, it is a comprehensive and perfect period, and it must enter a healthy country; from 2035-2050, to consolidate the improvement period, it will become a healthy country. The "Outline" also proposes a strategic path of promoting a healthy lifestyle, improving the medical security system, deepening supply -side reforms, establishing a diversified co -governance mechanism, and actively developing a large health industry.

Fifth, social security is the basic institutional guarantee for protecting and improving people's livelihood, maintaining social fairness, and enhancing people's well -being. It will assume major responsibilities and missions in the historical process of comprehensively building a new socialist country and moving towards common prosperity in my country.

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