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当前我国养老保险制度是一个“三支柱”的体系。其中“第一支柱”是基本养老保险制度，“第二支柱”是企业年金和职业年金，“第三支柱”是个人储蓄性养老保险和商业养老保险。建立健全多层次养老保障制度，既可增加人民群众的收入，提高人民幸福感和安全感，还能减轻基本养老保险制度的负担，提高企业的市场竞争力，有利于拉动内需和促进经济发展模式的转型。
At present, the Pension Insurance System in China is a "Three Pillars System". The First Pillar is the basic pension insurance system. The Second Pillar is enterprise annuity and occupation annuity. The Third Pillar is personal savings pension insurance and commercial pension insurance. Establish a completed multi-level pension insurance system can not onlyincrease people's income and sense of security, but also reduce the burden of basic pension insurance system while reinforcing competitiveness. Besides, it could stimulate domestic demand and promoting the transformation of economic development mode.
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“第一支柱突飞猛进，第二支柱积极跟进，第三支柱仍是短板”
1st Pillar - Rapidly Developing
2nd Pillar - Actively Following Up
3rd Pillar– Waiting for Developing
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第一支柱方面，我国目前已经形成城镇职工+城乡居民两大制度平台，截至2017年底，全国参加基本养老保险超过9亿人，积累基金4.6万多亿元。
The First Pillar consists of urban workers and rural residents. By the end of 2017, more than 900 million people have participated in basic pension insurance and accumulated 4.6 trillion RMB.
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第二支柱取得了积极进展。截至2017年底，全国已经有近8万户企业建立了企业年金，参加职工人数达到了2300多万人，积累基金近1.3万亿元。职业年金正随着机关事业单位养老保险制度改革逐步建立，但是目前企业年金参与人数太少，扩大参与率仍是当前甚至在未来较长时期内企业年金面对的一个最大挑战。
Nearly 80,000 enterprises in China have set up enterprise annuities involving 23 million employees and 1.3 trillion RMB by the end of 2018. Enterprise annuity is gradually established with the reform of authority institutions’ pension insurance system. However, the number of participants still needs to be grown and is a challenge in long term.
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第三支柱是在第一、二支柱之外，由政府通过税收激励，个人自愿参加的养老储蓄计划。近日，备受社会关注的个人税收递延型商业养老保险试点方案已经国务院批准同意，现正在相关部委走流程，凡是符合条件的保险公司均可参与试点。由于认识上的差异，导致个人税收递延型商业养老保险概念提出多年，但是制度迟迟未能落地。而长期护理保险制度虽已在上海、青岛等15地开展试点，也缓解了部分老人长期照护的压力，但由于受到筹资困难、护理人员短缺、费用高等因素制约，与预期仍有一定差距。商业保险要发挥市场有效配置资源的作用，积极推动产品及服务形态创新，通过养老产业投资等渠道来帮助缓解长期护理保险筹资不足的问题。
The Third Pillar is different from others in governmental-encouraging and voluntary aspects. Recently, the pilot of Individual Tax Deferred Commercial Pension Insurance has been approved by the State Council. All eligible insurance companies can participate in the pilot project. Because of the differences in cognition, individual tax deferred commercial pension insurance is not compatible in concept and practice. Although the long-term care insurance system has been piloted in 15 places such as Shanghai and Qingdao, the expectation has not been met because of difficult fund-raising, lacking nursing staff and high expenses. Commercial insurance should effectively allocate the resources so as to actively promote innovation in product and service form, and help alleviate the problem of insufficient funding for long-term care insurance through pension industry investment and other channels. |
养老保障体系不同层次和多个支柱的组合本身就是“政府+市场”的混合体，代表了政府和市场的关系。如何在确保第一支柱基础不动摇的前提下，通过政策创新做大做强第二、三支柱，适时调整养老保障三大支柱的结构比重，显得至关重要。更多内容，欢迎来到2018年第三届中国保险业创新国际峰会暨颁奖典礼（4月9-10日 | 上海）的大会现场。
The different levelof pension security system isactually a mixture of "Government + Market", which represents their relationship. How to ensure the 1st Pillar while making 2nd & 3rd Pillar stronger through policy innovation? For more information, welcome to 3rd Insurance Innovation Congress & Awards China 2018 (April 9 -10th | Shanghai).
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| 养老保险公司演讲阵容 Speakers from Pension Insurance Companies |
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演讲嘉宾：甘为民，董事长，平安养老保险股份有限公司
Speaker: Weimin Gan, Chairman, Ping An Pension |
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演讲嘉宾：彭毅，总经理，太平养老保险股份有限公司
Speaker: Yi Peng, General Manager, Taiping Pension Co., Ltd.
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演讲嘉宾：白平，副总裁，中国人寿养老保险股份有限公司
Speaker: Ping Bai, Vice President, China life Pension Company Limited |
议程概览 Agenda Overview
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| 日期 Date |
上午AM |
下午PM |
| April 9 |
新环境下保险业发展的新趋势及其挑战论坛
New Trends and Challenges for Insurance Industry under New Circumstances Forum |
分论坛一：
人身保险产品与市场趋势:
新动能，新突破
Sub-Forum 1:
Life Insurance Products and Market Trends：New Motives and New Breakthroughs |
分论坛二：
财险产品与市场趋势:
创新化·多元化
Sub-Forum 2:
Property Insurance Products and Market Trends：Innovation and Diversification |
| April 10 |
科技与服务：提高运营效能，降低运营成本论坛
Technologies and Services:
to Improve Operation Efficiency and Reduce Operating Costs Forum |
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| 颁奖典礼 Awards |
♦The Most Influential Insurance Brand
最具影响力保险品牌
♦The Best Insurance Innovator Award
最佳保险创新奖
♦The Insurance Breakthrough Award
最佳保险突破奖
♦The Excellent Insurance Service Provider Award
优秀保险服务商奖
♦The Excellent Insurance Intermediary Award
优秀保险中介奖
♦The Excellent Insurance Technology Provider Award
优秀保险技术服务商奖
♦…… |
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