the aging population is a common challenge facing the human society. In the process of rapid development，the pension industry will bring fierce competition in the industry. In the course of competition，private capital is in a relatively weak position due to various factors. Private capital should be bigger and stronger in the pension industry，and must actively explore and innovate its own models according to their own ideas，location，consumer groups，and strength. We should focus on five points：the first is to build an elite team，which is the core competitiveness of the most authoritative；the second is to enhance the quality of service management，which is the basis for the survival and development of private pension industry；the third is to build their own brands，this is the key to enhance the influence of products；the fourth is the continuous exploration and formed its own characteristics，in line with the needs of the local market endowment pattern，which is sustained，healthy and stable development of the conditions；the fifth is the implementation of cost accounting to expand the profit space，which is the realization of the fundamental guarantee of high-quality operation of the pension industry.