October 16，Video conferences with the theme of "2020 Aging Society" in the Royal Institute of Royal International Affairs，Focus on the pension financial services of the longevity era。Longevity is an indicator of successful economic development，But aging has also brought challenges to social and economic society around the world。The influence of longevity is profound，Need to be fully prepared for decision makers and financial institutions，Take measures to meet the financial needs of aging society。

　　bet365 best casino games

Pablo Antolin, chief economist of Economic Organization, believes，Many countries are undergoing pension reforms，At the same time，There are also some countries that encourage compulsory pension savings，Use behavioral economics and new technologies to help people optimize pension decisions。Most countries follow the suggestions of the Economic Organization，Promoting pension system diversity，Promoting the diversification of the source of pension，and design a variety of funding support methods，To supplement the public pension for the existing paid。Transition may bring additional pressure to public finances，Add personal risk，Therefore, in the process of diversification of the pension system，bet365 best casino games Fund arrangements should be introduced step by step。other，To prevent over -risk to prevent the pension fund，​​Capital yields to increase the risk adjustment of the pension fund are important。Affected by the epidemic，Low interest rate environment brings challenges to the development of pension funds，Need government support，Raise long -term investment in the Pension Fund、Value investment ability，Promoting the innovation and development of the pension system。

Rolf Langhammer, a professor at the Kill World Institute of Economics, Germany, said in an interview with this reporter，Most Economic Organization countries are planning for long -term financial services for aging society，The pension plan for capital funding should be combined with the traditional collection and payment system。But，Capital funding pension plan is relatively late。Therefore，The current collection and payment system is still prevalent。In this case，The government should encourage pension channels to diversify，Try to put the corporate pension plan、Public pension plan and private savings combined。Langhamel thinks，Flexible selection of retirement age，Combining pension payment period with the expected life span，It is a means to avoid overweight pension plan。

Antolin said，The State of the Organization of the Organization of the Organization has a social security network，That is public pension，But bet365 Play online games the concept of opening a personal pension account is also widely accepted。Optimized tax system will also have a positive impact on the pension system。By optimizing tax design，The government can inspire people from short -term pension planning to long -term planning。At the same time，You should also optimize the supervision of the Pension Fund，The pension fund should have a clear investment policy guidance，Increase the transparency of investment and risk management。Low -level financial knowledge and behavioral prejudice will cause people to make inappropriate retirement decisions，and financial incentives and financial education can bring better retirement decisions。Policies for improving the sustainability of the pension system when the expected life expectancy increases，It is also necessary to consider the impact on different socio -economic and gender groups。

Antolin said，China's pension system construction is relatively successful。Outside the social security system，The government supports the establishment of a personal pension account。According to the principle of behavioral economics，Make the elderly savings easier，Gradually guide the public to increase pension savings。

　　Enhance the tolerance of the labor market

Langhamel thinks，The challenge brought by the epidemic is short -term，But the aging of the population is a long -term trend。Tools to deal with these two different problems should be different。The bet365 Play online games government's task is to create favorable production conditions，Stimulate consumer consumption potential，overcome the impact on demand。Under the long -term challenge of aging，The effect of retired reserves should be protected from actual income loss and wealth losses。The government should encourage people who are still active to invest in risk assets before retirement。Real estate can be used as an asset，but not the only asset，Because this asset has defects in the risk of industrial clusters and non -movement。

The US Retirers Association recently investigated and formed a report on "multi -generation employees under the global vision" report，revealed that global employers can play a unique role in supporting more inclusive multi -generation labor ecosystems。At the same time，Enterprises are quickly adapting to the changes in the population structure。Report emphasizing，Employee diversification is the competitive advantage of the enterprise，It also provides sustainability for enterprises、Stability，and can help companies maintain intellectual capital。Multi -generation labor forces，It helps to provide high -quality services for the market with age。

Report proposed，At age、Gender、Professional roads and industry backgrounds, such as companies with higher diversity than the average value，With higher profitability and innovation ability。The best job opportunity for all workers, especially bet365 best casino games older workers，In the next 30 years, it can bring 19%of the per capita GDP to the Economic Organization State。Governments of various countries should give enterprises related information and training，Encourage working environment with age diversity，Promoting measures for global enterprises，Enhance the tolerance of the professional environment。

　　Behavioral economics helps optimize decision -making

Daniela Silcock (Daniela Silcock), head of policy research at the Institute of Police Policy, mainly studies how to use the "boost" method of behavior economics，Stimulate people to make better choices。Silkak thinks，When conducting behavioral intervention，The timing is very important。The government should conduct effective intervention when people are willing to accept guidance and have the ability to change。The effect of intervention is affected by age、Gender、Impact of various factors such as financial capacity。and financial capabilities and confidence in their own financial capabilities will also change with age。Social and economic inequality will affect the implementation effect of financial policy，Therefore, comprehensive governance measures need to be taken，Promoting the development of the elderly system。Silkak also suggested，Add Financial Course Teaching in the school outline of the school，helps to improve individual financial ability from early development，bet365 live casino games and make more wise decisions in the future。

When designing pension financial products and services，Pay attention to guiding people to pay attention to future risks。Robert Higginbotham, the global distribution director of the United States, said，Savings are not just financial problems，People are not "rational people" in financial models，Solution of behavioral learning，Encourage people to increase savings。Higginstein summarizes the three development stages of the design of pension solutions from practice: pay attention to the average level design solution; pay attention to different groups with differentians; use digital technology，Follow individual behavior，Provide personalized solutions。

Silkak proposed，Intervention methods for behavioral economics have personalized custom characteristics，The individual needs and specific conditions should be included in the policy consideration。Optimized pension decision for individuals，Behavioral economics methods can be used as one of the auxiliary policy options，Forced pension savings、Social Security Network, etc. also has an important role。

Patrick Bowes, Director of the Investor Relationship of the British British British Group, said，Asian health services and poverty alleviation work have made important progress，Especially China。Enhance the development of inclusive finance，Promoting the popularity of financial education can help people make better elderly care decisions。