摘要
本文总结分析了美国、日本、德国等发达国家养老金融的发展经验,包括:健全的养老金融体制机制;成熟的多支柱养老金融体系;丰富的养老金融创新产品等。建议我国建立健全养老金融制度体系、实行差异性老龄化普惠金融政策、加强养老金融教育、创新养老金融产品与服务。
The paper constructs the panel data model to analyze the relationship between population aging and development of inclusive finance.It shows that population aging hinders the development of inclusive finance;sound financial support,developed areas,high information level and high education level can promote the development of inclusive finance;the impact of transportation level on the development of inclusive finance is not significant.Also,there are regional differences in the negative impact of population aging on financial inclusion.And then the paper draws on the experience of pension finance in developed countries.Finally,it suggests improving the pension financial system,implementing differential financial policies inclusively,enhancing financial knowledge of the elderly and innovating financial products and services.
作者
吴锡杨
阮静雯
黄灿云
林嘉伟
李雪莹
WU Xiyang;RUAN Jingwen;HUANG Canyun;LIN Jiawei;LI Xueying(Quanzhou Branch of PBC,Quanzhou Fujian 362000)
出处
《西部金融》
2022年第1期94-96,F0003,共4页
West China Finance
关键词
人口老龄化
普惠金融
养老金融
Population Aging
Inclusive Finance
Panel Data
Financial Inclusion of the Elderly
