摘要
探索构建符合中国国情的养老金融发展模式,是改进和创新养老金融、更好发挥金融的跨期资源配置功能、以金融支持养老事业和养老产业高质量发展的重要选择。经过数十年的探索和发展,中国养老金融形成了包括养老金金融、养老服务金融、养老产业金融为核心的概念体系,并在实践中取得了一系列成效,通过构建制度化的养老金体系和发展市场化的养老金融储备为国民养老财富的增加发挥了巨大作用,同时也通过金融对养老产业的支持推动了养老服务行业的发展。但总体来看,当前中国养老金融仍面临着一系列诸如养老金体系发展不平衡不充分、市场化养老金融供需匹配度不高、养老产业与金融发展融合不畅等方面的问题。未来中国积极应对人口老龄化的养老金融发展路径应充分关注全局性顶层设计、突出全生命周期原则、重视养老生态圈建设,在此基础上,系统推进养老金金融、养老服务金融和养老产业金融的发展。
Exploring an ageing finance development model that aligns with Chinese characteristics is an important choice for better leveraging the cross-period resource allocation function of finance and for supporting the high-quality development of ageing industry.After decades of exploration,China’s ageing finance has formed a conceptual framework centered on pension finance,ageing financial services,and ageing industry finance.In practice,this framework has achieved significant results by establishing an institutional pension system and developing market-oriented ageing financial reserves,which has greatly contributed to the increase of pension wealth.Additionally,financial support for the ageing industry has facilitated the growth of the elderly care sector.However,China’s ageing finance still faces several challenges,including an imbalanced and insufficient development of the pension system,a low match between supply and demand in market-oriented ageing finance,and insufficient integration between the ageing industry and financial development.In the future,China’s approach to addressing the challenges of an ageing population should focus on comprehensive top-level design,emphasize the principle of the entire life cycle,and prioritize the construction of an elderly care ecosystem.Based on this foundation,it is essential to systematically advance the development of pension finance,ageing financial services,and ageing industry finance.
作者
张栋
张琳
ZHANG Dong;ZHANG Lin(School of Humanities and Development Studies,China Agricultural University,Beijing 100084,China;School of Government,China University of Labor Relations,Beijing 100048,China)
出处
《西安财经大学学报》
CSSCI
2024年第5期78-89,共12页
Journal of Xi’an University of Finance and Economics
基金
教育部哲学社会科学研究重大课题攻关项目“促进我国多层次养老保险体系发展研究”(21JZD035)。
关键词
人口老龄化
养老金融
全生命周期
养老生态圈
population aging
ageing finance
full lifecycle
elderly care ecosystem
