2025新时代中国养老金融高质量发展的突破路径白皮书

新时代中国养老金融高质量发展的突破路径白皮书White Paper on High-Quality Development Paths for China’s Aging Finance目录内容摘要·············································································································································· 06前言 ······················································································································································· 08第一章 养老金融高质量发展阶段的来临 ··············································································· 10一、养老金融概述与发展演变····················································································································· 12（一）养老金融的基本概念 ························································································································ 12（二）养老金融的发展演变 ························································································································ 12（三）养老金融的发展现状 ························································································································ 14二、养老金融主要产品概况 ························································································································ 16（一）商业保险年金 ·································································································································· 16（二）养老储蓄产品 ·································································································································· 16（三）养老理财产品 ·································································································································· 17（四）养老基金产品 ·································································································································· 17（五）其他养老金融产品 ··························································································································· 17三、养老金融发展趋势研判 ························································································································ 18（一）养老金融总体发展趋势····················································································································· 18（二）商业保险年金发展趋势····················································································································· 19四、养老金融高质量发展恰逢其时·············································································································· 21（一）养老金融高质量发展的必要性和紧迫性 ····························································································· 21（二）养老金融高质量发展的重要意义 ······································································································· 23第二章 养老金融高质量发展的基本任务 ··············································································· 24一、总体战略任务······································································································································ 26二、养老金融高质量发展的基本任务（政策透视图）·······································································