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推动我国养老产业金融高质量发展的现实路径研究

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人口老龄化是我国将长期面临的一个基本国情,推动金融体系与养老体系的有机融合,充分发挥金融的功能与作用,能有效促进我国养老事业的快速稳定发展.本文通过对我国养老产业金融的理论内涵和发展现状的剖析,指出我国面临融资结构性矛盾制约着养老产业的发展布局、资本市场参与度限制着养老产业的发展规模、产品结构性矛盾影响着养老产业的服务能力等主要挑战,提出应以保障为目标加大政策扶持、推动养老产业合理布局,以发展为动力推动资本运作、助力养老产业规模经营,以市场为导向协同产品创新、提升养老产业服务质效等,以助推我国养老产业金融的高质量发展.
Study on the Realistic Way to Promote the High Quality Development of Pension Industry Finance in China
Population aging is a fundamental reality that China will face for a long time.Promoting the organic integra-tion of the financial system and the pension system,while fully leveraging the functions and roles of finance,can effectively promote the rapid and stable development of the pension sector.This article analyzes the theoretical connotation and current development status of the pension industry finance in China,highlighting the main challenges faced:the financing structural contradictions that constrain the development layout of the pension industry,the limited participation of capital markets that restrict the scale of the pension industry,and the product structural contradictions that affect the service capacity of the pension industry.It suggests that we should increase policy support with the goal of ensuring security,promote a rational layout of the pension industry,drive capital operations with development as the motivating force to assist the large-scale operation of the pension industry,and orchestrate product innovation with market orientation to enhance the quality and effectiveness of pen-sion industry services,thereby promoting the high-quality development of pension industry finance in China.

pension industry financehigh quality developmentmulti-pillar pension systemcollaborative innovation

陈小萍

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贵州商学院

养老产业金融 高质量发展 多支柱养老金体系 协同创新

2024

价格理论与实践
中国价格协会

价格理论与实践

CSTPCDCHSSCD北大核心
影响因子:0.54
ISSN:1003-3971
年,卷(期):2024.(9)