摘要
全球人口老龄化加速背景下,银发经济已成为推动经济高质量发展的新增长极,而养老金融作为联结资金端、资产端与服务端的核心枢纽,是激活银发经济潜力的关键引擎。本文基于人口老龄化的宏观背景,界定银发经济与养老金融的内涵及互动逻辑,通过分析中国银发经济发展现状与养老金融实践成效,剖析二者协同发展中存在的产品供给同质化、产业融资梗阻、区域发展失衡等突出问题,结合美国和日本的国际经验,从政策完善、产品创新、产业融合、区域均衡四个维度,提出养老金融赋能银发经济高质量发展的系统性路径,为构建“老有善养”的社会治理格局提供理论参考与实践借鉴。
Against the backdrop of accelerating global population aging,the silver economy has become a new growth pole for promoting high-quality economic development.As the core hub connecting the capital end,asset end and service end,pension finance is the key engine to activate the potential of the silver economy.Based on the macro background of population aging,this paper defines the connotation and interactive logic of the silver economy and pension finance,analyzes the current situation of the development of China's silver economy and the practical effects of pension finance,and dissects the prominent problems existing in their coordinated development,such as product supply homogenization,industrial financing bottlenecks,and regional development imbalance.Combining the international experience of the United States and Japan,it proposes a systematic path for pension finance to empower the high-quality development of the silver economy from four dimensions:policy improvement,product innovation,industrial integration,and regional balance,providing theoretical reference and practical reference for building a social governance pattern of"good care for the elderly".
作者
张海洋
ZHANG Haiyang(Wuhan College of Arts&Sciences,Wuhan 432200,China)
关键词
银发经济
养老金融
人口老龄化
金融创新
产业协同
silver economy
pension finance
population aging
financial innovation
industrial synergy
