随着全球人口结构发生重大变化，养老金市场已成为各国经济领域中备受关注的焦点。我国作为世界上人口最多的国家之一，也不例外地面临着巨大而复杂的养老挑战。在这种情况下，中国保险行业正迅速应对并积极开拓这个庞大、高增长和具有巨大潜力的市场。

近年来，在政策扶持和社会需求共同驱动下，我国养老金产业获得了快速发展。据统计数据显示, 截至目前, 中国60岁及以上人口已达2.5亿, 占总人口比重约18%，预计到2030年将升至25%左右；同时65岁及以上高龄者数量超过1亿；而按照现有趋势估算，则到2050 年时高龄群体规模将接近4亿 。如此庞大规模背后所带来对于健康医疗、居住环境等方方面面都提出了更加宏观综合性要求。

然而值得注意 的是尽管与其他亚洲邻国相比较起来我们可能还处于一个初级阶段 ，但由于消费水平逐渐提升以及相关法律制度完善 , 光看数字就能够清晰感知到未雨绸缪显得异常必要: 在2019 年第三季度末基本实施数字仍旧是3万亿元(首次突破) . 虽说从整体角度分析呈现向好态势; 焕发强劲活力指数连创历史新记录 (达16%) 这样子优异表象给许多投资者们留下深切记忆。

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