二十大报告背景下保险科技赋能我国三支柱养老保险体系发展路径研究
Research on the Development Path of Insurance Technology Enabling China’s Three-Pillar Pension Insurance System in the Context of the Twentieth National Congress Report

我国养老三支柱体系发展于20世纪90年代，是应对老龄化问题的重要手段，但以政府为主导的第一支柱占据了绝大部分市场，作为补充的第二、第三支柱发展规模较为有限，我国养老三支柱体系结构有待进一步优化。二十大报告对我国养老市场的发展提出了更高要求，人工智能、大数据等科学技术的快速发展，对于助力我国多层次养老保险结构优化和数字化创新升级等方面发挥着重大的作用。本文在此背景下，首先，探讨了我国养老保险市场的发展现状以及发展机遇。其次，结合我国养老保险体系的发展现状针对性地提出保险科技赋能我国三支柱养老保险的路径，比如政府牵头构建多主体协同机制，提高信息透明度，缓解政府监管负担；支持个人账户投资转换服务，防范企业破产风险；优化服务流程，提高保险行业的服务效率与质量等。随后，分析了保险科技赋能我国保险体系发展存在的挑战。最后，在参考国际经验的基础上，从政府、保险机构和科技企业三个角度提出合理的建议。
China’s three-pillar pension system was developed in the 1990s, which is an important means to cope with the problem of aging, but the government-led first pillar occupies the vast majority of the market, as a supplement to the second and third pillar development scale is relatively limited, China’s three-pillar pension system structure needs to be further optimized. The 20th National Congress of the Communist Party of China (CPC) report puts forward higher requirements for the development of China’s pension market, and the rapid development of artificial intelligence, big data and other science and technology plays a significant role in helping to optimize the structure of China’s multi-level pension insurance and digital innovation and upgrading. In this context, this paper firstly, discusses the development status quo of China’s pension insurance market as well as the development opportunities. Secondly, combined with the development status quo of China’s pension insurance system, it puts forward a targeted path for insurance technology to empower China’s three-pillar pension insurance, such as the government-led construction of a multi-principal synergy mechanism to improve the transparency of information and alleviate the government’s regulatory burden; support for the investment conversion service of individual accounts to prevent the risk of corporate insolvency; and optimization of the service process to improve the efficiency and quality of the insurance industry’s services. Subsequently, this paper analyzes the challenges of Insur Tech enabling the development of China’s insurance system. Finally, based on the reference to international experience, this paper puts forward reasonable policy recommendations from the three perspectives of the government, insurance organizations and science and technology enterprises.