首页|中国养老金融:现实困境、国际经验借鉴与发展对策

中国养老金融:现实困境、国际经验借鉴与发展对策

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大力发展养老金融,是满足老年人多元化养老需求,应对"未富先老、未备而老"危机的必由之路.目前我国养老金金融、养老服务金融和养老产业金融发展态势良好,但仍面临"三大支柱"整体发展不均衡、养老服务金融产品有效供给不足以及养老产业融资难等诸多挑战.我国发展养老金融需要立足国情,借鉴发达经济体的先进经验,从促进"三支柱"平衡发展、推进养老服务金融产品创新、加大养老产业金融支持力度、提升居民养老金融素养、强化养老金融服务监管等方面建设高质量中国特色养老金融体系.
Aging Finance in China:Realistic Dilemma,International Experience and Development Strategy
China's population is aging deeply and rapidly,and vigorous development of aging finance is the only way to meet the diversified needs of the elderly and cope with the crisis of"getting old before getting rich and getting old without preparation".At present,China's pension finance,old-age service finance and old-age industry finance are developing well,but the development of aging finance is still in its infancy,facing many challenges such as the overall unbalanced development of the"three pillars",the insufficient effective supply of pension service financial products and the financing difficulties of the old-age industry.By drawing on the advanced experience and practice of developed economies in developing aging finance and combining with the reality of our country,this paper puts forward countermeasures and suggestions to deal with the challenges of aging population and promote the development of the aging finance system.

aging financepension financeold-age service financeold-age industry finance

胡金焱、王田田

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青岛大学 经济学院,山东青岛 266061

养老金融 养老金金融 养老服务金融 养老产业金融

国家社会科学基金重大项目

22&ZD117

2024

东方论坛
青岛大学

东方论坛

CHSSCD
影响因子:0.116
ISSN:1005-7110
年,卷(期):2024.(3)
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