摘要
养老金融本质上从属于普惠金融的范畴,是当前解决社会主要矛盾的重要抓手。纵览二十多年的改革与探索,养老金融存在的诸多发展掣肘问题而阻碍了其健康发展。在供给侧结构性改革不断深化背景下,发展养老金融需要从制定养老金融发展战略、构建养老金融综合服务体系、搭建数字养老金融模式、完善养老金融产品体系、推动养老产业发展壮大、延展养老金融服务供给、建立复合型人才队伍等方面多措并举,以金融的有效供给助力中国养老事业的可持续发展。
Pension finance belongs to the category of inclusive finance in essence.And it is an important starting point to resolve the main contradictions in society.After more than 20 years of reform and exploration,there are still many development constraints on the demand side of pension finance that hinder the healthy development of pension finance.The underlying problem is the inherent logic of deep structural shortages on the financial supply side.Under the background of the continuous deepening of supply-side structural reforms,the development of pension finance requires the development of pension finance development strategies,the construction of a comprehensive pension financial service system,the establishment of a digital pension financial model,the improvement of the pension financial product system,the promotion of the development of the pension industry,and the extension of pension finance.The provision of services,the establishment of a multi-talented talent team,etc.will help the sustainable development of China's elderly care industry with effective financial supply.
出处
《农村金融研究》
2020年第2期72-78,共7页
Rural Finance Research
基金
南京迪普思数据科技有限公司项目“关于养老金融发展战略研究”(编号:2020DPS00x96)研究成果.
关键词
供给侧结构性改革
养老金融
金融机构
制度设计
Supply-side Structural Reform
Pension Finance
Financial Institutions
Institutional Design
