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重磅支持政策:商业养老保险将为居民添实惠

2017-06-23 13:24:56   

6月21日国务院常务会议推出重磅支持政策,不仅为我国商业养老保险发展注入强大的政策能量,也给我国居民的养老保障送上了大礼包。不过,目前保险行业品牌效应尚未形成,竞争还在初级阶段。从政策温床到潜在发展机遇充分发掘还要有一个相当长的过程

6月21日,国务院常务会议部署了促进商业养老保险发展的多项重磅措施,包括支持商业保险机构为个人和家庭提供差异化养老保障,发展老年人意外伤害、长期护理养老保险,建立医养结合等养老服务保障体系;加快个人税收递延型商业养老保险试点,支持商业养老保险机构参与基本养老保险基金管理等。这些政策不仅为我国商业养老保险的发展注入了强大的政策能量,也给我国居民的养老保障送上了大礼包。

  说需求——

  养老保险空间巨大

随着老龄化社会的加速到来,中国人如何养老一直是近几年的热门话题。数据显示,截至2016年末,我国65岁以上人口数量已达1.5亿,占总人口的比例高达10.8%。更有预测表明,未来20年我国平均每年新增1000万老年人。“我国老年抚养比一路走高,已从2006年的7.7%上升至2016年的15.1%,并加速逼近国际警戒线,我国人口老龄化形势将日益严峻。”中国人保寿险公司一位资深人士如此表示。

最近,保监会原副主席周延礼在2017清华五道口全球金融论坛上也表达了同样的担忧。他说,目前中国养老保险体系中的第一支柱——基本养老保险“一支独大”的趋势明显;第二支柱企业年金参与率偏低,但稳步发展;第三支柱商业养老保险缺口较大。中国人口老龄化进程加快在倒逼养老保障体系的改革。

商业养老保险市场缺口的背后,也意味着巨大发展空间,特别是在国家已将应对人口老龄化上升到长期战略任务的大背景下,其意义更是不可低估。

从党的十八大首提“积极应对人口老龄化,大力发展老龄服务事业和产业”,到习近平总书记、李克强总理对加强老龄工作作出的重要指示和批示,再到2016年5月27日,中共中央政治局就我国人口老龄化的形势和对策举行第三十二次集体学习,同年4月14日,民政部、财政部、全国老龄办、中国保监会联合印发《关于开展老年人意外伤害保险工作的指导意见》,直至6月21日国务院常务会议部署的促进商业养老保险发展多项重磅措施,依据顶层设计和这些具体措施,可以得出一个明确的结论,即我国商业养老保险发展将进入一个黄金时代。

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