河北省养老金融的探索与思考

A reflection on pension finance in Hebei province

随着人口老龄化进程的加剧,河北省养老产业资金短缺、金融产品匮乏的情况日益突出.目前制约养老金融发展的主要原因有政策法规的制约、养老产业自身特点、观念认识不足.通过完善养老产业相关政策法规,创新养老金融产品和服务,拓宽养老产业融资渠道,建立多层次的养老保险体系,进一步发展和完善养老产业.

With the growth of aging population,Hebei is faced with a shortage of funds and financial products in pension.The bottleneck is mainly the ongoing policies and regulations,besides the backward ideas.Thus,the paper discusses countermeasures in laws,regulations and procedures to improve the healthy development of the pension industry.