Research on Policy Design of China’s Personal Pension System

DOI

10.2991/978-2-38476-456-3_28How to use a DOI?

Keywords

population aging; personal pension system; dual-track policy framework

Abstract

To address the accelerating population aging, the Chinese government launched the personal pension system on April 8, 2022. However, its performance over more than two years of implementation has yielded less-than-optimistic results. This paper examines cognitive deficiencies in the system’s promotion based on an analysis of its implementation process and current status. Ultimately, it proposes a dual-track policy framework involving the establishment of a state-owned personal pension investment and management company alongside a commercial certification mechanism for pension investment institutions. These recommendations aim to advance the development of China’s pension system with actionable institutional improvements.

Copyright

© 2025 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Tianxiao Chen
PY  - 2025
DA  - 2025/08/25
TI  - Research on Policy Design of China’s Personal Pension System
BT  - Proceedings of the 5th International Conference on New Computational Social Science (ICNCSS 2025)
PB  - Atlantis Press
SP  - 239
EP  - 244
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-456-3_28
DO  - 10.2991/978-2-38476-456-3_28
ID  - Chen2025
ER  -