Expert: China will reach 10 trillion in pension assets of more than 5 years (figure)

Secretary General of China pension financial forum for 50 people, a Renmin University Professor Dong Ke
Shenzhen, people's daily, January 7 (Li Haixia Zhu Yifan) China new supply-side Economics Research Institute in Shenzhen, one of the "50 people new supply economics in China Forum in 2017". At the meeting, Dong Ke, a professor at people's University on "old-age financial" keynote speech.
Pension finance refers to the various needs of members of the surrounding community's financial activities combined. Dong Ke introduced pension finance consists of three main areas: pension finance, the reserve pension assets and all financial activity for the reserve pension assets; old-age industry finance, is financing the pension industry finance cooperation; old-age financial services, to meet the needs of elderly services, consumer, financial services activities.
At present, China's pension assets are expected to close to 10 trillion. Dong Ke said, "our basic old-age pension in five years to reach 3 trillion, our pension scale of 1 trillion now, and have the potential to reach 2 trillion. Occupational pensions has started, targeting higher-income people, there are about more than 40 million people, growth rates will be soon. China's social security fund is now close to 2 trillion, after 5 years to reach 3 trillion we don't see any problems. Recently launched individual tax-deferred pensions policy. So after 5 years 10 trillion is possible. ”
"Pensions in developed countries expect a 70-year period to the budget," Dong Ke said, "so the pension is not just the problems of the elderly, but also is the young man's question. ”
"We obviously face the problem of structural imbalance, so supply side reform to transfer structure, and to adjust the structure of pensions," he said, "at present, China's pension assets less than GDP10%, and for developed countries to establish a more balanced pension system, they gradually become the main pension two or three pillars, 78% per cent of GDP average closer to 80%. ”
Faced with this problem, Dong Ke recommended structural adjustment, establishing multi-pillar pension system with Chinese characteristics, including public pension funds, first and second pillar occupational pension funds and third-pillar private pension funds.
Finally, he concluded, "in summary words: to attach great importance to China's aging. This could be the future of China more than 10 years, or even decades, will face the challenge of an objective. "(Source: people's daily online-financial channels)
(Editors: xiaowugang UN845)
2017-01-07 14:31:00
People's daily online

专家：中国养老金资产5年后将达10万亿(图)

中国养老金融50人论坛秘书长、中国人民大学教授董克用

　　人民网深圳1月7日电（李海霞 朱一梵）华夏新供给经济学研究院在深圳召开了“中国新供给经济学50人论坛2017年会”。会上，人民大学教授董克用围绕“养老金融”进行了主旨演讲。

　　养老金融是指围绕社会成员的各种养老需求进行的金融活动的总和。董克用介绍，养老金融主要包括三个方面：养老金金融，即储备养老资产，为储备养老资产进行的一切金融活动；养老产业金融，是为养老产业提供融资金融的配合；养老服务金融，为满足老年人的服务、消费需求，进行的金融服务活动。

　　目前，中国养老金资产将有望接近10万亿。董克用表示，“我们的基本养老金五年后要达到3万亿，我们的企业年金现在规模1万亿，并有达到2万亿的可能。职业年金已经开始，其对象是高收入者，约有4千多万人，增长率会很快。中国社保基金目前接近2万亿，5年后达到3万亿我们认为没问题。个人延税养老金最近推出政策。所以5年后10万亿是有可能的。”

　　“发达国家养老金预期以70年为期来做预算，”董克用说，“所以养老金不仅仅是中老年人的问题，更是是年轻人的问题。”

　　“我们明显面临结构失衡的问题，所以供给侧改革要调结构，养老金要调结构，”他认为，“目前，中国的养老资产比重不到GDP10%，而因为发达国家建立了比较均衡的养老金体系，他们二、三支柱逐渐成为养老金主体，占GDP规模平均78%接近80%。”

　　面对这种问题，董克用建议重新结构调整，建立中国特色的多支柱的养老金体系，包括第一支柱公共养老基金，第二支柱职业养老基金和第三支柱个人养老基金。

　　最后，他概括说，“总而言之一句话：要高度重视中国老龄化。这可能是中国未来十几年甚至几十年，会面对的一个客观的挑战。” (来源：人民网-金融频道)
(责任编辑：肖武岗 UN845)
2017-01-07 14:31:00
人民网