中国的老龄化人口给其养老金制度带来压力,促使财富管理试点的国家扩张,以刺激退休储蓄。 China’s aging population strains its pension system, prompting national expansion of wealth management pilots to boost retirement savings.

中国的养老金体系面临快速老龄化的压力,到2024年底,65岁及65岁以上人口的15.6%以及22.8%的老年人受抚养比率。 China's pension system faces strain amid rapid aging, with 15.6% of the population aged 65 or older and an elderly dependency ratio of 22.8% by end-2024. 三个支柱体系价值15.66万亿元(2.2万亿美元),不到国内生产总值的12%,尽管人们对退休收入十分关切,但私人养老金参与率很低。 The three-pillar system, worth 15.66 trillion yuan ($2.2 trillion), is less than 12% of GDP, with low private pension participation despite high concern over retirement income. 基本养老金依赖财政补贴和赤字,而企业年金只覆盖工人的3%。 Basic pensions rely on fiscal subsidies and run deficits, while enterprise annuities cover only 3% of workers. 国家金融监管局在全国范围内扩大了养老金财富管理试点,允许企业筹集5倍的净资本,将产品发放增加到51个活跃基金。 The National Financial Regulatory Administration has expanded a pension wealth management pilot nationwide, allowing firms to raise up to five times their net capital, boosting product issuance to 51 active funds. 专家们敦促提供更多长期的、灵活的产品,以满足退休需要。 Experts urge more long-term, flexible products to meet retirement needs.