the "2024 pension financial index report" was released, and public funds were included in the evaluation for the first time this year.
2024-09-29
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as the trend of population aging intensifies, pension finance has become an important part of china's modern financial system, which is related to the smooth implementation of national strategies and the happy life of the people. on august 17, cbn officially released the "2024 pension finance index report" (hereinafter referred to as the "report") in conjunction with citic reform and development research foundation financial laboratory, shanghai university of finance and economics, asian pension finance and industry research institute and other authoritative institutions. ).
this year's index report highlights "the integration of pensions for the general benefit of the people" and focuses on the service innovation of financial institutions in support, education, and product configuration of the elderly care industry. the "report" adds a new credit support indicator for the silver economy. it uses an independent three-level indicator to examine in detail the knowledge popularization provided by financial institutions on various policies, concepts, products, investments, and fraud prevention, and adjusts it according to market development. established the evaluation standards for the safety, diversity, profitability, long-term and user-friendliness of pension financial products.
the "report" builds a comprehensive and systematic evaluation system for the integration capabilities of elderly care services, bringing together the wisdom of experts in elderly care services and health economics, drawing on international experience and combining it with china's actual situation to innovatively design the indicator system. it clarifies the development direction for my country's financial institutions to provide diversified financial products, efficient and convenient financial services, and stable and reliable non-financial services or information in promoting pension finance practices.
during this year's index compilation process, the research team included public fund companies as evaluation targets for the first time and examined their comprehensive capabilities in pension financial product design, investment management and risk control, so that the index can more comprehensively reflect various types of pension financial markets. the performance of institutions, especially wealth product providers.
the "report" finally determined an evaluation system consisting of five first-level indicators, 23 second-level indicators and 41 to 101 third-level indicators, fully covering the pension finance fields such as banks, insurance, and public funds, and including a total of 6 major state-owned banks. commercial banks, 10 joint-stock commercial banks, 58 local commercial banks, 69 insurance institutions and 50 public fund companies are the objects of investigation. compared with the previous year, the number of banks and insurance companies has increased. at the same time, for the first time this year, public fund companies have been listed as evaluation targets, providing new perspectives and thinking for the development of pension finance.
the "report" emphasizes that the new era pension finance index focuses on four key areas: managing pension assets, allocating pension financial products, integrating pension services, and providing pension planning consultation. by constructing a set of key indicators, the index evaluates the multi-faceted capabilities of financial institutions in the field of pension finance and forms a rating. it aims to provide market data and decision support, provide market insights for policymakers, financial institutions and the public, and guide financial services. the institution grasps market trends and helps the public plan for retirement, thereby promoting the healthy development of the pension financial market.
the "report" shows that overall, there are differences in the development of pension financial business among commercial banks: state-owned banks are leading, joint-stock banks are exploring, and local banks are developing slightly slowly. insurance companies will make progress in pension financial services and integration in 2023, with 70% of institutions establishing more complete risk management systems and risk control methods. public fund companies have also made breakthroughs in the field of pension finance, and leading funds have maintained their advantages during market downturns.
pension finance plays an important role in supporting the development of the silver economy. through the effective investment and management of financial capital, it can improve the service capabilities and level of the silver economy, provide safe and high-quality services for the elderly, and promote the sustainability of my country's age-friendly society. develop. the research team stated that with the release of the "report", it is expected that the pension financial market can better serve the people in the future and make greater contributions to actively respond to the aging of the population.
(this article comes from china business news)
