A Study on the Development and Governance of Aging Finance against the Financial Exclusion of Older People
Eliminating financial exclusion among the elderly is of great significance for the development of elderly finance and the realization of inclusive finance for the elderly in China.The development of elderly care finance cannot follow the old path of development before governance.In the initial stage,it is necessary to focus on both development and governance,and try to eliminate the problem of financial exclusion among the elderly as early as possible.This article analyzes the multiple manifestations of financial exclusion among the elderly in China,such as difficulties in accessing services,insufficient financial literacy,and weak risk tolerance.It uses classical financial exclusion theory to explain this phenomenon and explores the underlying causes of these phenomena,such as financial institutions,product services,policy systems,etc.,revealing the negative impact of financial exclusion on the elderly individuals,industries,society,and macroeconomy.Propose a multidimensional governance framework for the existing pension financial system,covering legal policies,industry markets,financial products and services,the elderly themselves,social and cultural concepts,and international cooperation.
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维普
