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A winning strategy for the pension market in China
Arthur Bi, Hongming Chen, Joe Ngai, John Qu, Zheng Sun, and Sisi Zhang 2019.08.29
Retirement models are being challenged as China accelerates toward an aging population and a low birthrate. In 1991, China established a three-pillar pension system to manage elderly care. The first pillar consists of a public pension that currently serves most workers in China, though the income-replacement ratio remains at less than 50 percent. The second pillar is a voluntary pension for government and state owned–enterprise employees, and the third is still nascent but in theory offers a path to supplementary private retirement savings with government tax benefits. The commercial reform of China’s pension system is imminent, and the second and third pillars are in urgent need of balanced development. In a new report, we offer an overview of various types of global pension systems and the future of China’s commercial pension market, as well as a perspective on a winning strategy for financial institutions in China.
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