摘要
人口老龄化的加速发展推动了社会结构和经济增长模式的变革,同时也为养老金融的发展创造了空间。然而,随着老龄化程度的加剧,传统的金融监管模式难以适应养老金融风险的新特征、新挑战。文章根据养老金融活动的开展流程和主要服务对象,将老龄社会中的养老金融风险界定为养老金融排斥风险、养老金体系可持续性风险、养老金融资产保值增值风险以及养老金融欺诈风险四大类。在此基础上,针对不同类别的养老金融风险提出相应的防范和管理措施,构建了养老金融风险治理体系,为提高养老金融体系抵御风险能力和服务实体经济质效提供了有益借鉴。
Accelerated population aging has driven changes in the social structure and economic growth model,and,at the same time,created space for the development of pension finance.However,with the intensification of aging,traditional financial regulatory models are difficult to adapt to the new characteristics and challenges of pension financial risks.Based on the development process and main service targets of elderly care financial activities,this article defines the pension financial risks in the elderly society as four categories:pension financial exclusion risk,sustainability risk of the pension system,preservation and appreciation risk of pension financial assets,and fraud risk of pension finance.On this basis,corresponding prevention and management measures are proposed for different types of pension financial risks,and a governance system for pension financial risks is constructed,providing useful reference for improving the risk resistance ability of the pension financial system and serving the quality and efficiency of the real economy.
作者
朱文佩
林义
Zhu Wenpei;Lin Yi(Southwestern University of Finance and Economics,Chengdu 611130,China)
出处
《当代经济管理》
CSSCI
北大核心
2023年第9期79-89,共11页
Contemporary Economic Management
基金
国家社会科学基金重大项目《基于系统观念的多层次社会保障制度创新与政策协同研究》(23ZDA099)
四川省社会科学重点研究基地重大项目《老龄金融创新发展与养老保险制度优化研究》(SC22EZD014)。
关键词
人口老龄化
养老金融风险
养老金融排斥
养老金融欺诈
制度可持续性
population aging
pension financial risk
pension financial exclusion
financial fraud for elderly
system sustainability
