The Layout of the Ecological Circle of “Insurance & Pension Service” in China in the Longevity Era

Abstract

With the deepening of aging, profound changes are taking place in the population structure. The demand structure of the contemporary elderly is changing from survival to development, paying more attention to the quality of life and spiritual needs, and the pension cycle of the elderly is long-term, dynamic, including physical and psychological. In recent years, China has continued to promote the construction of a multi-level and multi-pillar old-age security system. Old-age finance, as one of the “five major articles”, has become the key work of the financial industry after it was proposed at the central financial work conference. How does the insurance industry play an important role in the development of old-age finance, build the ecological pattern and system of high-quality old-age services under the background of silver economy, and accurately innovate and build a multi-level structure of old-age security guided by the needs of the elderly? It has become an urgent content to be solved. Starting from the current situation of China's pension service system, the demand-side study found that China is facing an increasingly serious problem of population aging, and the supply side grasps the “first year” of high-quality construction of the old-age service system. This paper puts forward some countermeasures and suggestions on the layout of the ecological circle of “insurance & pension service” in China.