来源：中国发展高层论坛
今日的CDF之声来自保诚集团首席执行官华康尧（Anil Wadhwani）。
华康尧代表保诚集团向中国发展高层论坛25周年致以诚挚的祝贺。25年来，中国发展高层论坛一直是政府、商界和学术界开展对话的重要平台，促进了各方合作，增进了相互理解，并为推动共同发展的政策制定提供了有力支持。
华康尧认为，随着中国即将在2025年全面完成“十四五”规划，其对高质量发展的重视，必将对全球经济的韧性与合作产生重要影响。
华康尧表示，保诚致力于成为中国发展进程中的长期合作伙伴，提供创新的解决方案和专业知识，携手共筑可持续发展的未来。
以下是发言全文：
大家好，我是保诚集团首席执行官华康尧，我谨代表保诚集团，一家专注于亚洲和非洲市场的优秀的人寿与健康保险公司及资产管理公司，向中国发展高层论坛25周年致以诚挚的祝贺。
随着中国即将在2025年全面完成“十四五”规划，其对高质量发展的重视，必将对全球经济的韧性与合作产生重要影响。
25年来，中国发展高层论坛一直是政府、商界和学术界开展对话的重要平台，促进了各方合作，增进了相互理解，并为推动共同发展的政策制定提供了有力支持。
保诚集团一直是论坛的长期支持者。我很高兴再次来到北京，参与这些重要讨论。我们对中国的承诺不止于论坛。多年来，保诚集团作为中国经济发展的合作伙伴，通过与中信集团合资的中信保诚人寿保险有限公司，建立了牢固的合作关系。如今，中信保诚也迎来了成立25周年纪念。
在大中华区、东盟地区、印度及非洲市场，保诚集团的宗旨始终明确 —— 通过与监管机构和政策制定者密切协作，致力于扩大金融保障与储蓄机会，推动个人、社会和社区的持续发展与繁荣。
中国的经济转型正处于一个令人振奋的转折点。新型城镇化、绿色转型和数字革命等重大举措正在重塑各行业格局，并深度改变人们的日常生活。凭借世界一流的制造业、先进的技术以及深度融入全球市场，中国正处于引领高质量增长新阶段的独特位置。
向消费驱动型经济的转型，以及对高增长领域的战略性资源分配，将是实现长期可持续发展的关键。全球都在密切关注，因为中国经济的成功转型将直接关乎全球经济的稳定。
中国还面临着另一个重要的结构性变化，即人口老龄化加速。预计到2035年，60岁及以上人口将超过4亿，占总人口的近30%；到2050年，这一比例将攀升至40%。这种人口结构的转变既带来了挑战，也蕴含着机遇。人口老龄化的快速变化凸显了全面退休规划、扩大人寿与健康保险覆盖范围以及推广长期储蓄产品的重要性和紧迫性。
我们认识到，向低碳经济的转型是一项全球性挑战，需要全球性的解决方案。我们的重点是实现公平且包容的转型，通过有针对性的参与和融资机会，确保保险对所有人都是可获得且可负担的。扩大金融保障解决方案，将加强社会保障体系，并提升消费者信心，鼓励家庭将储蓄从房地产领域多元化到生产性金融工具中，从而进一步深化中国资本市场。
我们欢迎中国个人养老金计划（第三支柱）的全面推广。凭借保诚集团在多个市场发展养老金计划的丰富经验，我们亲眼见证了设计良好的税收激励措施是如何有效鼓励人们参与长期储蓄和养老金产品的。
技术发展是关键的变革力量。人工智能和数字创新会降低分销成本，提供个性化的金融解决方案，从而使保险和储蓄产品更具可及性，惠及更广泛的群体。凭借中信保诚人寿在100个城市的广泛业务布局，以及我们在代理人渠道和银行保险渠道的强大多渠道分销能力，我们处于有利地位，能够有效支持政府的政策目标。这不仅仅是一项商业行为，更是关乎建立信任、增强金融韧性以及确保宏观经济长期稳定的重要举措。
中国的发展不仅是国家的重中之重，更是全球的必然要求。在保诚集团，我们致力于成为这一进程中的长期合作伙伴，提供创新的解决方案和专业知识，携手共筑可持续发展的未来，通过赋能于人，为明天的中国，乃至世界的稳定与繁荣奠定坚实基础。
中国发展高层论坛为展开对话建立关系和信任。我期待能够亲临现场参与这些讨论。
Hello everyone， I am Anil Wadhwani， Chief Executive Officer of Prudential．
On behalf of Prudential， a leading life and health insurer and asset manager focused on Asia and Africa， I extend my heartfelt congratulations to the China Development Forum on its 25th anniversary． I also congratulate China on its remarkable achievements since the last Forum．
As it approaches the completion of its 14th Five-Year Plan in 2025， China’s emphasis on high-quality development has implications for global economic resilience and cooperation．
For a quarter of a century， the China Development Forum has been a vital platform for open dialogue among government， business and academia． It fosters collaboration， deepens understanding， and helps shape policies that drive shared progress．
Prudential has been a long-standing supporter of this Forum， and I am delighted to once again be in Beijing to engage in these important discussions． Our commitment to China extends beyond this Forum． For decades， Prudential has been a dedicated partner in China’s economic development exemplified by our strong partnership with CITIC， through CITIC Prudential Life now celebrating its own 25th anniversary．
Across Greater China， ASEAN， India， and Africa， Prudential’s purpose is clear - to help individuals， societies， and communities thrive by working alongside regulators and policymakers to expand financial protection and savings opportunities．
China’s economic transformation is at an exciting inflection point． Key initiatives such as urbanisation， green transition， and digital revolution are reshaping industries and everyday lives． With world-class manufacturing， technological advancements， and deep global market integration， China is uniquely positioned to lead the next phase of high-quality growth．
A shift toward a more consumption-driven economy and strategic capital allocation to high-growth sectors will be critical for long-term sustainability． The world is watching as China’s success directly influences global economic stability．
Another important structural shift is China’s rapidly aging population． By 2035， over 400 million people， nearly 30% of China’s population， will be over 60 years old． By 2050， this number will climb to 40%． This demographic shift presents both challenges as well as opportunities． This evolving landscape underscores the urgent need for comprehensive retirement planning， increased access to life and health insurance， and broader adoption of long-term savings products．
We recognise that transitioning to a low-carbon economy is a global challenge requiring global solutions． Our focus is on a just and inclusive transition through targeted engagement and financing opportunities and ensuring that insurance is accessible and affordable for all． Expanding financial security solutions will strengthen social safety nets and boost consumer confidence． Encouraging households to diversify savings from real estate into productive financial instruments will deepen China’s capital markets．
We welcome the expansion of China’s personal pension scheme or Pillar 3． Through Prudential’s deep experience in piloting pension initiatives across multiple markets， we have seen firsthand how well-designed tax incentives can encourage participation in longer-term savings and pension products．
Technology continues to be a game changer． AI and digital innovation will lower distribution costs and personalise financial solutions， making insurance and savings products more accessible across a wider population． With CITIC Prudential Life’s extensive footprint across 100 cities and our strong multi-channel distribution through agency and bancassurance， we are very well-positioned to support the government’s objectives． This is more than just business． It’s about building trust fostering financial resilience and ensuring long-term macroeconomic stability．
China’s development momentum is not just a national priority． It’s a global imperative． At Prudential， we are committed to being a long-term partner in this journey， offering innovative solutions， expertise and a shared vision for sustainable growth． By empowering individuals today， we invest in a more stable prosperous tomorrow for China as well as for the world．
The China Development Forum provides an invaluable platform for dialogue， relationship-building， and trust． I‘m truly looking forward to engaging in these discussions in person．
整理 - 亚博、子伊
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