专✏(zhuan)题🙃(ti)：第🚉(di)十🕷(shi)五🍞(wu)届💌(jie)陆🐦(lu)家👢(jia)嘴⬛(zui)论🐯(lun)坛😳(tan)（2024） 　　“2024陆😓(lu)家🚧(jia)嘴🐙(zui)论🕜(lun)坛🚈(tan)”于👩(yu)6月😭(yue)19日🏡(ri)-20日🤼(ri)召😦(zhao)开🌳(kai)
中⛏(zhong)国😀(guo)人🖨(ren)寿🔨(shou)保👊(bao)险🚵(xian)（集❕(ji)团🐦(tuan)）公🥗(gong)司⛽(si)副☝(fu)董⭐(dong)事⛲(shi)长🈳(chang)、总🌇(zong)裁🚇(cai)蔡🕌(cai)希💜(xi)良🏢(liang)出🔪(chu)席✈(xi)并🦉(bing)参🛏(can)与🔊(yu)“银🎉(yin)发🎤(fa)经👜(jing)济⏪(ji)与🏁(yu)养🖲(yang)老🐌(lao)金🚰(jin)融🍿(rong)”的🤳(de)讨🔪(tao)论🏦(lun)。 　　蔡📺(cai)希🐬(xi)良💻(liang)指😩(zhi)出🎽(chu)，养🚌(yang)老🍍(lao)金🏪(jin)融📟(rong)是🛩(shi)为🌕(wei)健🔤(jian)康🍀(kang)养🥀(yang)老🔄(lao)事🧀(shi)业🔌(ye)和🎤(he)产🥕(chan)业🈺(ye)提🆕(ti)供🤙(gong)金🦄(jin)融🐅(rong)支⏺(zhi)撑⏪(cheng)以🎟(yi)及💵(ji)为🎣(wei)老🌊(lao)年🃏(nian)人⚓(ren)生🕵(sheng)活🛫(huo)提🈳(ti)供🤝(gong)风🏬(feng)险🧀(xian)保💷(bao)障✴(zhang)的😩(de)金💭(jin)融🏿(rong)保🚸(bao)险🌞(xian)活😱(huo)动🦐(dong)的🤰(de)总🙍(zong)和🐞(he)，具🏴(ju)体🆕(ti)包🕡(bao)括🛑(kuo)养📑(yang)老👸(lao)金📿(jin)融🏵(rong)产👫(chan)品🚕(pin)、养🤫(yang)老🐗(lao)资🕸(zi)产🛬(chan)管🐝(guan)理🍙(li)、养🥓(yang)老🏡(lao)产🤣(chan)业✝(ye)金🔵(jin)融🍶(rong)三🐊(san)大🧟(da)类❤(lei)。 　　蔡🔻(cai)希♓(xi)良🍄(liang)认🃏(ren)为🏽(wei)，不🛣(bu)同❤(tong)于🈁(yu)储👏(chu)蓄📗(xu)、理⚡(li)财👊(cai)、基🌍(ji)金⬜(jin)等🚺(deng)传🍘(chuan)统🎌(tong)金✋(jin)融🆖(rong)产🎸(chan)品🧗(pin)，养🤣(yang)老💲(lao)金🛥(jin)融🎲(rong)有🔵(you)自🔲(zi)身🖊(shen)的🤮(de)特🛷(te)点💘(dian)，应🍃(ying)该📂(gai)具🎓(ju)备🥕(bei)长🍣(chang)期💰(qi)积⛹(ji)累👚(lei)、跨👁(kua)期🏮(qi)支👠(zhi)付🏸(fu)、保🔁(bao)值🎛(zhi)增🕉(zeng)值🌞(zhi)这⛷(zhe)些🔧(xie)重🚀(zhong)要🖕(yao)的🏅(de)特🧔(te)征🐊(zheng)和🍥(he)功🤱(gong)能🛋(neng)，所🤥(suo)以💱(yi)发❌(fa)展📚(zhan)养🥪(yang)老📂(lao)金🥍(jin)融📴(rong)应🍂(ying)该♟(gai)要🤤(yao)把💐(ba)握🥚(wo)好🤴(hao)上♌(shang)述🥥(shu)功👁(gong)能❤(neng)定🐯(ding)位🏰(wei)，在🐢(zai)顶🚀(ding)层🤨(ceng)设🏑(she)计🚈(ji)、激🕛(ji)励🥎(li)政🌛(zheng)策🍙(ce)以🧔(yi)及💷(ji)产🏬(chan)品🖕(pin)服🚶(fu)务❕(wu)的🕍(de)提🌦(ti)供😡(gong)等🗼(deng)各😟(ge)个♑(ge)方🖥(fang)面🎚(mian)，切🛎(qie)实⛵(shi)体✏(ti)现🎗(xian)政👔(zheng)策🔉(ce)的🍯(de)一🥖(yi)致🙍(zhi)性🌱(xing)和🌝(he)目🛄(mu)标🕐(biao)的😥(de)一🐖(yi)致🔬(zhi)性🔉(xing)，引🙇(yin)导🔆(dao)广🍝(guang)大🌹(da)社😴(she)会🥄(hui)民🍩(min)众🗯(zhong)通🤪(tong)过♌(guo)科🥣(ke)学🀄(xue)规🔏(gui)划🕜(hua)，为🕗(wei)老💏(lao)年🛁(nian)生🕜(sheng)活🌕(huo)提🆕(ti)供🚹(gong)稳📁(wen)定⛹(ding)、可⛳(ke)期🎍(qi)的🐚(de)现🌐(xian)金🤼(jin)流🎗(liu)，和🍅(he)健🉑(jian)康🖊(kang)医🛬(yi)疗👇(liao)等🎍(deng)必✏(bi)要🚢(yao)的🤓(de)风🙁(feng)险💧(xian)保🌧(bao)障🍔(zhang)，从🖼(cong)而🏍(er)做🎮(zuo)好🚚(hao)14亿👎(yi)人🖊(ren)老😬(lao)有🆚(you)所👥(suo)养🏭(yang)、病🚦(bing)有💊(you)所🕺(suo)医💚(yi)等🎮(deng)问📑(wen)题🎲(ti)，让🐂(rang)老🎉(lao)年🔋(nian)生🥇(sheng)活💷(huo)无⛓(wu)忧🖤(you)虑🦖(lv)，生😦(sheng)命⚽(ming)旅🌹(lv)程🧗(cheng)有👢(you)尊🙄(zun)严😓(yan)。 　　谈🦓(tan)及✈(ji)“优⛴(you)化🎰(hua)养🚂(yang)老🦓(lao)金🍬(jin)融🎰(rong)的⏺(de)政🍢(zheng)策🚙(ce)体💨(ti)系🧥(xi)”，他🈷(ta)认👝(ren)为🦕(wei)要⬅(yao)提💟(ti)升😃(sheng)养🔄(yang)老🌰(lao)第⛴(di)二🎬(er)支👱(zhi)柱🍣(zhu)和💯(he)第🏢(di)三🌛(san)支🌱(zhi)柱🏨(zhu)的📤(de)吸👷(xi)引🈹(yin)力🔍(li)。蔡🔈(cai)希➕(xi)良👻(liang)表🔀(biao)示🍪(shi)，我🤐(wo)国📃(guo)虽😣(sui)然😣(ran)已🍬(yi)经🧑(jing)建🥧(jian)立🃏(li)“三💻(san)支♌(zhi)柱🙃(zhu)”的🌐(de)养🦗(yang)老🏧(lao)保🔲(bao)障🎺(zhang)体💦(ti)系🌭(xi)，但🔋(dan)三🖇(san)个🏜(ge)支🎳(zhi)柱⛓(zhu)很❣(hen)不👆(bu)平🌾(ping)衡🍏(heng)。 　　他🌁(ta)介🙀(jie)绍🔕(shao)说🈷(shuo)，到🍵(dao)去👢(qu)年😰(nian)年🙉(nian)底🚑(di)，第🐀(di)一😣(yi)支💒(zhi)柱🚊(zhu)基👣(ji)本👌(ben)养👯(yang)老😝(lao)保📚(bao)险✖(xian)参🍓(can)保🎄(bao)人🤭(ren)数🤙(shu)10.7亿🏈(yi)，第🚨(di)二🐤(er)支🎱(zhi)柱📻(zhu)企💴(qi)业⌚(ye)年📑(nian)金🌵(jin)和🖱(he)职💱(zhi)业⤵(ye)年🚠(nian)金💉(jin)参🍴(can)加🛬(jia)人🌐(ren)数💱(shu)近⏮(jin)7600万👫(wan)人🌠(ren)，第🌂(di)三🤖(san)支🧤(zhi)柱🚬(zhu)个🚾(ge)人🖤(ren)养😩(yang)老㊙(lao)金🤒(jin)到🥖(dao)去😹(qu)年🏳(nian)年📲(nian)底🉐(di)开🐵(kai)户🏋(hu)数⏲(shu)超🦓(chao)过🏿(guo)了🔋(le)4900万🅿(wan)个🏐(ge)，“遗🏴(yi)憾💌(han)的🍱(de)是🛀(shi)账❄(zhang)户🔩(hu)空🎪(kong)转🧤(zhuan)率🏆(lv)约🍼(yue)7成🦇(cheng)” 　　“zuo 🚍(zuo)tian ⚫(tian)li 💙(li)yun 🔴(yun)ze 👛(ze)ju 🍁(ju)chang Ⓜ(chang)jiang 🔰(jiang)dao 🐎(dao)，di 🏙(di)san 🌌(san)zhi 🌁(zhi)zhu 🐋(zhu)shi ⏺(shi)duan ❓(duan)ban 🔫(ban)，wo 👩(wo)ge 🏌(ge)ren 〰(ren)ren 🤮(ren)wei 🎠(wei)，bu 🤢(bu)jin 🛌(jin)jin 👶(jin)di 🔉(di)san 📄(san)zhi 📵(zhi)zhu 😿(zhu)shi 👺(shi)duan 🚑(duan)ban 🔕(ban)，cong 😥(cong)gang 🎦(gang)gang 😏(gang)shu 🤹(shu)ju 🛷(ju)kan 🛷(kan)，di 🤮(di)er ✝(er)zhi 🏌(zhi)zhu 🎵(zhu)ye 🐛(ye)you 🛬(you)ruo 🎏(ruo)xiang 🍴(xiang)，qi 🐽(qi)ye 😺(ye)nian 🙌(nian)jin 🌼(jin)fu ✏(fu)gai 🌽(gai)lv 🏈(lv)hai 💩(hai)bi 🍖(bi)jiao ♌(jiao)di ⛏(di)，bi 📱(bi)xu 🍸(xu)jin 👔(jin)zao 📬(zao)cai 🍕(cai)qu 🥖(qu)xing 🍃(xing)dong 🥕(dong)，you 😵(you)hua 📕(hua)yang ➕(yang)lao 🥌(lao)jin 📩(jin)rong 🙃(rong)zheng 🏢(zheng)ce 🏁(ce)ti 🧒(ti)xi 🛫(xi)，da 🎅(da)li 🚟(li)ti 🚈(ti)sheng 📲(sheng)di 👴(di)er 🦅(er)、di 👌(di)san 🈳(san)zhi 😏(zhi)zhu 🏄(zhu)de 🍹(de)xi 🎋(xi)yin 👰(yin)li 🕞(li)yu 🆔(yu)fu 🎎(fu)gai 🧡(gai)mian 🧦(mian)，qie 👂(qie)shi 🍙(shi)jie 💜(jie)jue 👭(jue)yang 🏛(yang)lao 🌟(lao)jin 🌍(jin)chu ✋(chu)bei ♏(bei)bu 📁(bu)zu 📻(zu)de 👅(de)wen 🎾(wen)ti 🕥(ti)”，ta 🖇(ta)shuo 🐙(shuo)。 　　cai 💷(cai)xi 😪(xi)liang 💖(liang)jian 📜(jian)yi 🎉(yi)，zai 🤒(zai)zheng 🤒(zheng)ce 🕤(ce)fang 🍤(fang)mian 📫(mian)，yan 🚍(yan)jiu 👉(jiu)qu 🌛(qu)xiao 🐘(xiao)qi 🔊(qi)ye 🦐(ye)can 🛂(can)jia 😢(jia)di 🏁(di)er 🐠(er)、di 🦐(di)san 🍶(san)zhi 🌍(zhi)zhu 🏻(zhu)bi 🌝(bi)xu 😋(xu)xian 👵(xian)can 🤭(can)jia 🕺(jia)di 🗽(di)yi 🙏(yi)zhi 😫(zhi)zhu 🏬(zhu)de 🤰(de)yao ♉(yao)qiu 🥇(qiu)，“zai 🔤(zai)bi 💠(bi)ru 🔴(ru)qi 🎏(qi)ye 💸(ye)nian 🐎(nian)jin 🙈(jin)zhi 🛴(zhi)gong 📪(gong)can ⚪(can)bao 👡(bao)lv 😧(lv)bi 🕦(bi)xu 🛸(xu)da 🍟(da)dao 👉(dao)70%，zhe 🐱(zhe)jiu 🍿(jiu)shi 📹(shi)yin 🚺(yin)xing ⏪(xing)men 🕹(men)kan ⛄(kan)”。 　　ta 🧙(ta)ren 🍝(ren)wei 😴(wei)，xu 🐘(xu)yao 🈹(yao)po 📿(po)chu 🐰(chu)zhe 🌑(zhe)xie ⚫(xie)yin 🐯(yin)xing 🦃(xing)men 🛅(men)kan 🚌(kan)，cong 📓(cong)er 🏰(er)gei 🕤(gei)guang 🙏(guang)da ⛔(da)zhong 🚕(zhong)xiao 🌫(xiao)wei 🔖(wei)qi 💋(qi)ye 😈(ye)、she 📺(she)hui 🐯(hui)gong 🥙(gong)zhong 🔣(zhong)geng 🏃(geng)duo 🎅(duo)zi 😧(zi)you 🐙(you)xuan 🚒(xuan)ze 🚗(ze)quan 🏢(quan)。 　　“zai 😛(zai)bi 😮(bi)ru 🔡(ru)shui ⬜(shui)shou 🗡(shou)fang 🏋(fang)mian 👻(mian)，yan ➿(yan)jiu ➿(jiu)shi 📠(shi)du 🈯(du)ti 💹(ti)sheng 📷(sheng)ge ⛽(ge)ren 💁(ren)yang 😵(yang)lao 🚺(lao)jin 🏦(jin)de 🏬(de)shui 🐃(shui)you 🦆(you)e 🐜(e)du 💫(du)，xian ⤴(xian)zai 🕟(zai)yi 🍋(yi)nian ⏮(nian)shi 🎛(shi)1.2wan 😱(wan)yuan 🦀(yuan)。tong 🏽(tong)shi 🚰(shi)you 🌔(you)hua 🐞(hua)ge 🏳(ge)ren 🎭(ren)yang 🕋(yang)lao 🌜(lao)jin ⬜(jin)ling 📪(ling)qu ♋(qu)shi 🌦(shi)wu 📽(wu)cha 🚳(cha)bie 🕔(bie)zeng 😘(zeng)shou 🚏(shou)3%de 🐸(de)ge 🏴(ge)shui 🉑(shui)，dui 🚥(dui)yu 〰(yu)zhong 🍢(zhong)di 🏋(di)shou 👛(shou)ru 🎓(ru)ren 🚪(ren)qun 🐓(qun)、ling 🎞(ling)huo ⛪(huo)jiu 🎃(jiu)ye 🛸(ye)ren 🤤(ren)qun 🆒(qun)deng 💊(deng)quan 🔗(quan)cheng 🌰(cheng)mian 😴(mian)shui 🤓(shui)，cong 🥥(cong)er 🗞(er)zeng 🧀(zeng)qiang 🧕(qiang)di 🚶(di)san 🏌(san)zhi 🎯(zhi)zhu ✉(zhu)dui 📌(dui)guang 🌴(guang)da 🍤(da)mian 🌽(mian)ge 🙌(ge)shui 🤝(shui)qun 🈶(qun)ti 🍩(ti)de 🤣(de)xi 📏(xi)yin 🕠(yin)li 🚴(li)deng ⛓(deng)deng 🥚(deng)”，ta 🔗(ta)ren ✔(ren)wei 🔍(wei)，tong ⛓(tong)guo 💗(guo)zhe 🔑(zhe)xie 🎏(xie)zheng 👌(zheng)ce ⬆(ce)you ⏰(you)hua ⛑(hua)，qie 🐑(qie)shi 🎯(shi)ti 🐔(ti)sheng 🌎(sheng)di 🤶(di)er 🕹(er)、di 🛒(di)san 😅(san)zhi 🤪(zhi)zhu 🕌(zhu)can 🏘(can)yu 🃏(yu)ji 🎦(ji)ji 🍣(ji)xing 🛶(xing)，ke 👸(ke)yi 🐺(yi)wei 🐆(wei)you 🚚(you)xiao 🤚(xiao)zeng ➰(zeng)jia 🌡(jia)yang 🔚(yang)lao 🌜(lao)jin 🎋(jin)chu 📵(chu)bei 🏫(bei)chuang 📋(chuang)zao 🏘(zao)geng 🏞(geng)hao 🔌(hao)de 🔴(de)tiao 🔻(tiao)jian 👩(jian)。 　　xin 💶(xin)lang 🕥(lang)sheng 💜(sheng)ming 🍔(ming)：suo 💲(suo)you 💊(you)hui 📻(hui)yi 😒(yi)shi ⚡(shi)lu 🐜(lu)jun 🌿(jun)wei 👠(wei)xian 🛴(xian)chang 💁(chang)su 🔁(su)ji 🥥(ji)zheng 💟(zheng)li 📳(li)，wei 📳(wei)jing ✉(jing)yan 🐶(yan)jiang 🥅(jiang)zhe 🚧(zhe)shen 🖖(shen)yue 📠(yue)，xin 🙉(xin)lang 🏬(lang)wang 🐚(wang)deng 🅾(deng)zai 🕷(zai)ci 🧟(ci)wen 💋(wen)chu 🥂(chu)yu 🏆(yu)chuan 🎣(chuan)di 📧(di)geng 🔞(geng)duo 📮(duo)xin ➡(xin)xi 🙋(xi)zhi 🎙(zhi)mu 🥑(mu)de 🌓(de)，bing 🐙(bing)bu 💖(bu)yi 🙇(yi)wei 🚚(wei)zhe 📟(zhe)zan 🍫(zan)tong 🍉(tong)qi 👓(qi)guan 🧟(guan)dian 🍀(dian)huo 🚀(huo)zheng 📲(zheng)shi 🍒(shi)qi 🍌(qi)miao 🎀(miao)shu 😑(shu)。