October 16，The Royal Institute of International Affairs held a video conference with the theme of "Aging Society in 2020"，Focus on app bet365 download financial services in the longevity era。Longevity is an indicator of successful economic development，But aging also brings social and economic challenges to countries around the world。The impact of longevity is far-reaching，Decision makers and financial institutions need to be fully prepared，And take measures to meet the financial needs of an aging society。

　　Increase the diversity of app bet365 download channels

Pablo Antolin, chief economist of the OECD, believes，Many countries are undergoing app bet365 download reforms，simultaneously，There are also some countries that encourage mandatory retirement savings，Use behavioral economics and new technologies to help people optimize retirement decisions。Most countries follow OECD recommendations，Increase the diversity of app bet365 download systems，Promote the diversification of app bet365 download sources，And designed a variety of financial support methods，To supplement pay-as-you-go public pensions。Transition could put additional pressure on public finances，And increase personal risk，Therefore in the process of diversifying the app bet365 download system，Funding arrangements should be introduced step by step。In addition，To prevent app bet365 download funds from taking excessive risks，Improving risk-adjusted capital returns for app bet365 download funds is critical。Affected by the epidemic，The low interest rate environment brings challenges to the development of app bet365 download funds，Need government support，Promote long-term investment of app bet365 download funds、The ability of value investing，Promote innovation and development of the elderly care system。

Rolf Langhammer, a professor at the Kiel Institute of World Economics in Germany, said in an interview with this reporter，Most OECD countries are planning long-term financial services for aging societies，Capital-funded app bet365 download schemes and traditional pay-as-you-go systems should be combined。However，Capital-funded app bet365 download plans are a relatively recent development。Therefore，Pay-as-you-go system still prevails。In this case，The government should encourage the diversification of app bet365 download channels，Trying a corporate app bet365 download plan、Combining public app bet365 download plans and private savings。Langhammer thinks，Flexible choice of retirement age，Integrate app bet365 download payment period with life expectancy，A means to avoid overburdening app bet365 download plans。

Antolin said，OECD countries have social safety nets，Public app bet365 download，But the concept of opening a personal app bet365 download account is also widely accepted。Optimizing the tax system will also have a positive impact on the app bet365 download system。By optimizing tax design，The government can encourage people to shift from short-term retirement planning to long-term planning。simultaneously，app bet365 download fund supervision should also be optimized，app bet365 download funds should have clear investment policy guidance，Increasing transparency in investment and risk management。Low levels of financial knowledge and behavioral biases lead people to make inappropriate retirement decisions，And financial incentives and financial education can lead to better retirement decisions。Policies to improve the sustainability of app bet365 download systems as life expectancy increases，The impact on different socioeconomic and gender groups also needs to be considered。

Antolin said，China’s app bet365 download system has been relatively successful。Outside the social security system，The government supports the establishment of personal app bet365 download accounts。Based on the principles of behavioral economics，Making retirement savings easier，Gradually guide people to increase their retirement savings。

　　Enhancing labor market inclusion

Langhammer thinks，The challenges brought by the epidemic are short-term，But population aging is a long-term trend。The tools used to deal with these two different problems should be different。The government’s task under crisis emergency mode is to create favorable production conditions，Stimulate consumers’ consumption potential，Overcoming the impact on demand。Under the long-term challenges of aging，app bet365 download savers should be protected from real income loss and wealth loss。The government should encourage people who are still economically active to invest in risky assets before app bet365 download。Real estate can be used as an asset，But not the only asset，Because this asset has shortcomings in terms of industrial cluster risk and immobility。

The American Association of Retired Persons recently conducted a survey of companies in 36 OECD member countries and produced the report "Multigenerational Employees in a Global Perspective"，Revealing the unique role global employers can play in supporting a more inclusive multi-generational workforce ecosystem。simultaneously，Businesses are rapidly adapting to changing demographics。Report emphasis，Employee age diversity is a company’s competitive advantage，app bet365 download provides sustainability for businesses、Stability，And can help companies maintain intellectual capital。Preserving a multi-generational workforce，Contributes to providing quality services to an age-diverse market。

Report submitted，at age、Gender、Companies with greater than average diversity in career paths and industry backgrounds，Have higher profitability and innovation capabilities。Give all workers, especially older workers, the best job opportunities，Can bring 19% increase in per capita GDP to OECD countries in the next 30 years。Governments of various countries app bet365 download provide relevant information and training to enterprises，Encourage a work environment with age diversity，Promote global companies to take measures，Enhance the inclusiveness of the professional environment。

　　app bet365 download helps optimize decision-making

Daniela Silcock, director of policy research at the British Pensions Policy Institute, mainly studies how to use “nudging” methods in behavioral economics，Inspiring people to make better choices。Silcock believes，When conducting behavioral intervention，Timing is very important。The government should carry out effective intervention when people are willing to accept guidance and have the ability to make changes。The effect of intervention is affected by age、Gender、Affected by various factors such as app bet365 download ability。app bet365 download ability and confidence in one’s own app bet365 download ability will also change with age。Socioeconomic inequality will have an impact on the implementation of app bet365 download policies，Therefore, comprehensive management measures need to be taken，Promote the development of the elderly care system。Silcock also suggested，Incorporate app bet365 download course teaching into the school curriculum，Helps improve individual app bet365 download capabilities from the early stages of development，And make smarter decisions in the future。

When designing app bet365 download financial products and services，Attention should be paid to guiding people to pay attention to future risks。Robert Higginbotham, global distribution director of Prudential Group, said，Saving is not just a financial issue，People are not “rational” in financial models，Need behavioral solutions，Encourage people to save more。Higginbotham summarized the three development stages of elderly care solution design from practice: focus on average design solutions；Pay attention to different groups with differences；Utilizing digital technology，Focus on individual behavior，Provide personalized solutions。

Proposed by Silcock，The intervention method of behavioral economics has the characteristics of personalized customization，Individual needs and specific circumstances should be taken into account in policy。Optimizing app bet365 download decisions for individuals，Behavioral economics methods can be one of the auxiliary policy options，And mandatory app bet365 download savings、Social safety nets also play an important role。

Patrick Bowes, Director of Investor Relations at Prudential Group, said，Asia has made important progress in health services and poverty alleviation，Especially China。Enhance the development of inclusive finance，Promoting the popularization of app bet365 download education can help people make better retirement decisions。