导读:据国家统计局统计，截至2017年底，我国60岁及以上人口为2.41亿，占总人口的17.3%。到2035年，中国的老年人口预计将达到4亿。

According to the National Bureau of Statistics, at the end of 2017 there were 241 million people aged 60 and over, accounting for 17.3 percent of the total population. The age group is expected to reach 400 million in China by 2035.

据国家统计局统计，截至2017年底，我国60岁及以上人口为2.41亿，占总人口的17.3%。到2035年，中国的老年人口预计将达到4亿。

Such a large elderly population constitutes a huge demand, and hundreds of millions of elderly people have potentially strong needs in terms of elderly care services, products and entertainment.

如此庞大的老年人口构成了巨大的需求，数以亿计的老年人在养老服务、养老产品和养老娱乐方面有着潜在的强烈需求。

In this context, we should attach great importance to the development of the elderly care industry and position it as an important strategic pillar that can support the development of the national economy for a long time.

在此背景下，我们要高度重视养老产业的发展，把养老产业定位为长期支撑国民经济发展的重要战略支柱。

Population aging will have some fundamental impacts on China’s economy and finance, such as reducing household savings, changing consumption structure, and affecting the structure of financial institutions.

人口老龄化将对中国经济和金融产生一些根本性的影响，如减少家庭储蓄、改变消费结构、影响金融机构结构等。

More importantly, under the existing pension system in China, the pension gap continues to expand. The three-pillar pension system including a social security scheme, employer pension scheme and personal savings pension scheme has become a common practice in developed countries, which should be the direction of China’s pension reform in the future.

更重要的是，在中国现有的养老金制度下，养老金差距继续扩大。养老保险制度、雇主养老保险制度、个人储蓄养老保险制度三大支柱已成为发达国家养老保险制度的普遍做法，应成为我国未来养老保险制度改革的方向。

From the perspective of pension asset management, the effective docking of pension funds and financial markets will help promote both the elderly care industry and the financial industry.

从养老资产管理的角度来看，养老基金与金融市场的有效对接，将促进养老产业和金融业的发展。

The pension finance industry can be taken as an independent part of the entire elderly care industry chain or be seen as a financial supporter of the elderly care industry.

养老金融产业可以作为整个养老产业产业链的独立组成部分，也可以被视为养老产业的金融支撑。

The pension finance industry is across banks, insurance, securities, funds, trusts and real estate. Pension finance is not only an important part of the financial system, but also the key to the elderly care industry.

养老金融行业横跨银行、保险、证券、基金、信托和房地产。养老金融是金融体系的重要组成部分，也是养老产业的关键所在。

（来源：爱语吧）