摘要
“十四五”时期,我国人口老龄化压力较“十三五”时期更趋严峻,应对人口老龄化已上升为国家战略。我国现已建立了包含养老金体系、养老服务金融与养老产业金融在内的养老金融框架,但发展中存在不少难点。本文研究探讨了美国在发展养老金融方面的做法,基于现实国情,提出我国应完善养老服务领域的保障机制,加快养老金结构调整;健全养老金的投资运营机制,增强资金的保值增值能力;探索创新养老金融产品与服务,满足投资者多元化需求;推动养老产业与金融业融合发展,拓宽养老产业融资渠道。
During the"14th Five-Year Plan"period,the pressure of aging population is more severe than in the"13th Five-Year Plan"period.Therefore,actively responding to the aging population has become a national strategy.At present,China has established a framework for aging finance,including pension system,elder financial service and aging industry finance.However,there are many difficulties in the development.This paper discusses the sound practices in United States,and finally put forward some suggestions to accelerate the reform of aging finance in China.
作者
张田
ZHANG Tian(PBC Xi'an Branch,Xi'an Shaanxi 710075)
出处
《西部金融》
2023年第2期9-17,共9页
West China Finance
关键词
养老金融
养老金
养老服务金融
养老产业金融
aging finance
pension system
elder financial service
aging industry finance
