中文摘要：

为有效应对老龄化背景下养老保障体系面临的可持续性和充足性挑战，私营养老金计划倍受重视。国外发达经济体和新兴经济体在养老保障体系的多项改革中，大力鼓励和发展私营养老金计划，成为一个重要的发展趋势。保险公司作为职业养老金和个人养老金计划的重要提供者，在多层次养老保障体系中扮演着不可或缺的重要角色。许多国家通过扶持、引导、强化监管等机制，鼓励保险业更广泛地介入多层次养老保障体系建设。如何让保险业充分发挥市场化机制的主要保障作用，是我国有效应对老龄化挑战的重要战略问题。

英文摘要：

To meet the sustainability and adequacy challenges of the social security system in the face of an aging population, private pension plans are becoming more and more popular. On reforming their pension system from different aspects by developed and developing countries, they have all been very supportive of the development of private pension schemes as a very important trend. Insurance companies as a major provider for enterprise pension and individual pension plans, are playing an indispensable role in the multi-tiered pension system. Many countries have adopted measures to incentivize insurance companies to participate into the pension system through offering supportive policies and guidance and strengthening regulation. How to enable the insurance industry to fully mobilize its market-oriented mechanism is an important topic in our tackling of the aging population issue.