Research on Path Optimization of Commercial Pension Wealth Reserve System based on Matching the Supply and Demand
The increasingly diverse elderly care needs urgently require a solid reserve of pension wealth as the foundation.In addition to institutionalized pension funds,non-institutionalized commercial reserves of pension wealth can provide richer financial security for the nation's old age in a more flexible way.At present,banks,funds,insurance,trusts and other financial institutions have utilized their own characteristics to innovate and de-velop a wide variety of categories and forms of financial products for the elderly,providing new options for the pub-lic to reserve for old-age.However,due to the limited scale of national wealth accumulation and lack of profession-al cognition of aging finance,it restricts the ability and willingness of the national commercial pension wealth re-serve participation.At the same time,the current development of China's capital market is unstable and imperfect,the degree of trust of the nationals is not high,and the targeting service of the commercial pension wealth reserve is yet to be upgraded,which hinders the effectiveness of the supply.In the future,we should better match the sup-ply and demand of commercial pension wealth reserves by improving income distribution policies,enhancing na-tional aging financial literacy,and enriching the supply of commercial old-age financial products.In addition,we need to create a good aging financial market environment and reshape the confidence of national aging finance par-ticipation.
NETL
NSTL
万方数据
