在“未老经济”与“备老经济”的背景下，银发经济正逐渐成为社会关注的焦点。7月7日，中新财经报道了关于加快形成“哑铃型”养老保险体系，推动养老保险可持续发展的最新动态，南开大学经济学院人口与发展研究所所长原新教授在此次讨论中提出了这一观点。
### 解决需求侧问题，提升养老服务质量
原新教授强调，首先需要解决的是需求侧老年人急难愁盼的问题。这包括两个主要方面：一是优化现有养老服务体系和产品，通过创新养老业态，提升服务质量，满足老年人在生活照料、健康护理、精神文化等方面的需求。二是针对未来的失能或半失能老人，提供长期护理保险，以应对可能面临的长期照护需求。
### “哑铃型”养老保险体系构想
“哑铃型”养老保险体系的构想旨在通过两个关键支柱来实现养老保险的可持续发展。一方面，通过提升现有养老服务质量，确保老年人在当前就能享受到高质量的养老服务；另一方面，通过建立长期护理保险等机制，为未来可能出现的长期护理需求提供保障。这种体系旨在平衡当前和未来的养老需求，确保老年人的福祉得到全面保障。
### 推动养老保险可持续发展的重要性
在人口老龄化趋势日益显著的背景下，构建“哑铃型”养老保险体系对于推动养老保险可持续发展具有重要意义。它不仅能够有效应对老龄化社会带来的挑战，还能够促进养老服务业的健康发展，提升社会的整体福祉。通过优化资源配置、创新服务模式，可以更好地满足老年人的多元化需求，构建一个更加公平、可持续的养老保障体系。
### 结语
加快形成“哑铃型”养老保险体系，不仅是一项政策创新，更是对社会养老体系的一次深刻改革。通过这一体系的构建，旨在实现养老保险服务的高质量供给，确保老年人在不同生命周期阶段都能得到妥善的照顾与支持，为构建和谐、可持续的养老社会奠定坚实基础。
英语如下：
### Accelerating the Formation of a “Bipolar” Pension System to Drive Sustainable Development of the Silver Economy
In the backdrop of “aging before economic growth” and “preparing for the future,” the silver economy is increasingly becoming a focal point of societal attention. On July 7, CNX Finance reported on the latest developments in accelerating the formation of a “bipolar” pension system to drive the sustainable development of pensions, with Professor Yuan Xin, Director of the Institute of Population and Development at the School of Economics, Nankai University, advocating for this perspective in a recent discussion.
### Addressing Demand-Side Issues to Elevate Service Quality in Elderly Care
Professor Yuan Xin emphasized the need to tackle the pressing issues on the demand side for the elderly. This involves two primary aspects: optimizing the existing elderly care service system and product offerings, through innovation in elderly care sectors to enhance service quality, catering to the needs of the elderly in areas such as daily care, health care, and spiritual and cultural pursuits. The second aspect involves preparing for future scenarios where the elderly might become partially or completely incapacitated, by providing long-term care insurance to address potential long-term care requirements.
### Vision for the “Bipolar” Pension System
The concept of a “bipolar” pension system aims to achieve sustainable pension development through two pivotal pillars. Firstly, by enhancing the quality of existing elderly care services, ensuring that the elderly can currently enjoy high-quality elderly care services. Secondly, by establishing mechanisms for long-term care insurance, providing a safety net for future potential long-term care needs. This system seeks to balance current and future demands for elderly care, ensuring comprehensive protection for the welfare of the elderly.
### Importance of Driving Sustainable Development of Pension Insurance
In the context of the growing trend of population aging, the construction of a “bipolar” pension system holds significant importance for driving sustainable development of pension insurance. Not only does it effectively address the challenges posed by an aging society, but it also promotes the healthy development of the elderly care service industry, enhancing the overall well-being of society. By optimizing resource allocation and innovating service models, it can better meet the diversified needs of the elderly, and construct a more equitable and sustainable pension security system.
### Conclusion
Accelerating the formation of a “bipolar” pension system is not merely a policy innovation but also a profound reform of the social pension system. Through the construction of this system, the aim is to provide high-quality pension service supply, ensuring that the elderly receive appropriate care and support at different stages of their lives, laying a solid foundation for building a harmonious and sustainable elderly care society.
【来源】http://www.chinanews.com/cj/2024/07-07/10247484.shtml
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