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养老金体系建设关系国计民生,受到世界各国的高度重视。商业养老金管理机构在养老金体系建设中起着至关重要的作用,也在一个国家的金融体系中占有重要地位。随着中国社会老龄化趋势的日益明显,中国的养老金市场发展备受关注。由于受到多种因素的影响,中国的商业养老金机构正在“走向盈利”的道路上艰难摸索。通过世界养老金机构的发展和国内商业养老金机构的发展,我们可以看到作为国社会保障体系的补充,第二支柱的商业养老金一定能够实现快速发展,并成为中国最具成长性和营利性的行业之一,最终实现企业和社会的共赢。本文以中国太平保险集团下属的太平养老保险股份有限公司的发展为例,探讨中国养老金市场的盈利模式。
The construction of the pension system has a bearing on the national economy and people’s livelihood and is highly valued by all countries in the world. Commercial pension management institutions play a crucial role in the construction of the pension system and also occupy an important place in the financial system of a country. With the increasingly obvious trend of social aging in China, the development of China’s pension market has drawn much attention. Due to many factors, China’s commercial pension institutions are struggling to find ways to “make profits.” Through the development of the world’s pension institutions and the development of domestic commercial pension institutions, we can see that as a supplement to the country’s social security system, the second pillar of the commercial pensions will surely achieve rapid growth and become the most growth-oriented and profit-making One of the sex industry, and ultimately achieve a win-win business and society. This article takes the development of Taiping Pension Insurance Co., Ltd. under the China Taiping Insurance Group as an example to discuss the profit model of China’s pension market.