欧盟国家发展老龄产业的经验及启示

European Union Pension Industry Experience and Enlightenment

发展老龄产业是各国应对人口老龄化挑战的必然选择,也是各国在人口老龄化过程中所要面临的难题之一。欧盟国家有着发达的老龄产业。分析德国、法国等欧盟国家发展老龄产业的主要做法,指出鼓励更多民营资本进入老龄产业、政府在老龄产业中起主导作用、老龄产业以市场需求为发展方向、增强老年群体消费能力等是欧盟国家发展老龄产业的成功经验。借鉴欧盟国家经验,我国应鼓励民营资本进入老龄产业、促进老龄产业的信息化发展、在调整老龄产业适应市场需求方面进行改革和完善。

Development of pension industry is the inevitable choice of countries to cope with the challenge of an ageing population. It is also one of the challenges of countries in the process of population ageing. The EU＇s endowment industry is developed, the paper researches the main methods of pension industry of Sweden, France and other European countries, points out that in order to encourage more private capital into the pension industry. The government should play a leading role in the pension industry and pension industry development should by direct by the demands of market. Enhance the elderly consumption ability is the successful experience of European Union pension industry. Using the experience of European Union countries, China should encourage private capital into the pension industry, promote the informatization of pension industry, and reform the adjustment of pension industrv in adapting to market demand.