摘要
我国于2000年正式迈入人口老龄化社会,截止2008年底,60岁以上人口的数量在总人口中的比例已经达到了12.0%。根据生命周期理论,随着年龄结构的不断变化,个人的储蓄和家庭金融资产的再配置随之改变,这种同质性变化就会明显影响金融机构以及金融机构提供的金融工具的竞争力,从而金融结构提供这些金融工具时显现出比较适应和比较不适应的特征,正是这种互动变化导致了不同金融机构发展潜力的此消彼长,最终促使了我国金融结构的变迁。
China has formally entered the population aging society since 2000 years, the ratios of people aged over 60 to the total popu- lation has reached 12.0% by the end of 2008. According to the life cycle theory, with the changing of age structure, re-allocation of personal savings and household financial assets has been changing, and this homogeneous change will significantly affect financial insti- tutions and the competitiveness of financial instruments offered by financial institutions, thus, when financial institutions provide these financial instruments, it will reveal more appropriate and more inappropriate characteristics, it is this interaction that led to the shift of the development potential of different financial institutions, which finally prompted the evolution of financial structure in China.
出处
《西北人口》
CSSCI
2011年第2期124-128,F0003,共6页
Northwest Population Journal
关键词
人口老龄化
契约式金融机构
金融结构变迁
Population aging
Contractual financial institutions
The evolution of financial structure
