中国老龄金融的现状、问题与对策

Aging Finance in China: the Current Situation, Problems and Countermeasures

人口老龄化给社会金融资产配置带来巨大挑战,但同时也预示着巨大的金融商机。探讨针对老年人的新金融业态、新金融产品、新金融服务,积极应对并制定相应的老龄金融顶层设计方案意义重大。系统阐述了中国老龄金融目前的发展现状以及主要老龄金融产品的业态和业种,分析了目前中国老龄金融存在的具体问题,并结合中国老龄金融产业的现状,提出了创新发展老龄金融的具体对策建议。

Population aging poses a serious challenge to financial assets allocation in China, but it also means great business opportunities. It is significant to do research on new business forms of aging finance, new financial products, and new financial service for older people and to make a top-level design on aging finance. This paper described the status quo of the aging finance industry in China and main forms and types of financial products for the elderly; it also identified specific problems in the industry. Then on the basis of the current situation of the industry, this paper put up with some measures to develop the industry in an innovative way.