积极应对人口老龄化中的养老金融研究
Research on the Ageing Finance in the Actively Responding to Population Aging
阳义南1
作者信息
- 1. 湖南大学公共管理学院,长沙,410082
- 折叠
摘要
随着我国实施积极应对人口老龄化国家战略,做好养老金融这篇大文章更为重要和紧迫.目前对养老金融在整个应对人口老龄化大局中的目标定位、层次结构、作用地位等还缺少供给侧分析及准确研判.中国应将养老金融发展成能为庞大老年人口和延长老年期提供多层次金融服务、满足全方位养老需求、支撑老龄经济社会发展的现代金融体系,包括宏观的养老金融制度及体系、中观的养老金融市场及行业、微观的养老金融产品及服务等多个层级,以及养老金金融、养老产业金融、养老消费金融等多种业态,进而在应对人口老龄化战略实施中发挥核心枢纽作用,包括提供动力机制、联结机制、催化机制等多重作用机制,为发展老龄经济提供支撑,在供给侧结构性改革和需求侧管理中有效发挥作用.据此,全面转向金融养老模式,全力发展银发经济,激发养老消费扩大内需,使应对人口老龄化从"积极"跃升为"有效".
Abstract
China should develop aging finance into a modern financial system that can provide multi-lev-el financial services for a large elderly population and extend their aging period,meet the comprehensive needs of elderly care,and support the development of the aging economy and society.This includes a macro level aging finance system and system,a meso-level aging finance market and industry,micro level aging fi-nance products and services,as well as various business models such as pension finance,aging industry fi-nance,and aging consumption finance.It should then play a central role in the implementation of the popula-tion aging strategy.Based on this,we will transition to the comprehensive financial elderly care model,fully develop the silver economy.
关键词
长寿/金融/国家战略/老龄经济/养老金融Key words
longevity/finance/national strategy/aging economy/aging finance引用本文复制引用
基金项目
国家社会科学基金重点项目(21AZD070)
广东省自然科学基金面上项目(2021A1515011284)
出版年
2024
NETL
NSTL
万方数据