Population aging has become a severe national condition that cannot be ignored in China.As the scale and degree of population aging continue to rise,there is an urgent need to accelerate the establishment of a multi-level and reasonably structured three-pillar pension insurance system.This paper synthesizes domestic and international research findings to outline the necessity,obstacles,and pathways for the development of the third pillar pension insurance.It points out that the third pillar pension insurance has advantages such as strong flexibility,wide coverage,and the ability to alleviate fiscal pressure.However,it is also constrained by incom-plete government systems,weak market activity,and a lack of public awareness.To address these issues,this paper proposes five pathways:Improving the legal and regulatory framework,optimizing tax and monetary policies,adjusting the structural balance of the system,promoting diversified mechanism inno-vation,and strengthening public pension education.These measures aim to ensure that the third pillar pension insurance plays a role in China's pension system,thereby promoting the improvement and sustainable develop-ment of the country's pension insurance system.
维普
万方数据