基于养老金发展的金融深化理论再探讨

Rediscussion on Theory of Financial Deepening in the Process of Pension Development

人口老龄化问题的临近,促使国内对养老金相关议题的关注度日益提升。文章着重分析了养老金与银行储蓄、养老金与金融产品体系及养老金与金融深化等三方面的问题;并认为养老金的发展对国内银行储蓄有些微影响,会引起金融产品体系重构,但对金融深化促进经济发展的机理提出了质疑。

The ageing of Chinese population is approaching, which makes more concern of pension. This paper focuses on the analysis of relationships between pension and other three factors： deposits, financial products and financial deepening. Then it concludes that the development of pension could bring slight effects on deposits and reconstruct the financial product system. However, it promotes questions on theory of financial deepening as well.