养老资产合理配置是社会经济发展过程中需要解决的核心问题之一。伴随我国人口结构老龄化，公共养老支出压力日趋增大。个人为了获得更高的退休生活品质，需要在政府提供基本养老保险之外发展个人养老金融，通过个人养老资产的合理配置提高养老资产运用效率。

本书核心内容包括三部分，首先从理论层面分析中国居民个人养老资产配置的影响因素；其次结合上述影响因素和生命表相关信息构建精算模型，测度个人养老资产配置的适度规模；最后依托不同市场主体，提出优化个人养老资产配置的对策建议。

The rational allocation of pension assets is one of the core problems that need to be solved in the process of social and economic development. With the aging of China's population structure, the pressure of public pension expenditure is increasing. In order to obtain a higher quality of retirement life, individuals need to develop personal pension finance in addition to the basic pension insurance provided by the government, and improve the efficiency of pension asset use through the reasonable allocation of personal pension assets. The core content of this book includes three parts, firstly, the influencing factors of personal pension asset allocation of Chinese residents are analyzed from the theoretical level; Secondly, an actuarial model was constructed based on the above influencing factors and information related to the life table to measure the appropriate scale of personal pension asset allocation. Finally, relying on different market entities, countermeasures and suggestions to optimize the allocation of personal pension assets are proposed.（AI翻译）

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