微观视角下老龄化普惠金融发展与思考

The Development and Thinking of Aging Inclusive finance from Micro Perspective

随着人口老龄化趋势带来的数字鸿沟不断增大、金融产品与服务供求两端矛盾日益凸显,老龄化人群获取和使用金融面临诸多挑战。本文围绕老年化普惠金融的服务目的、服务对象、服务主体、服务内容四方面阐述了老龄化普惠金融的内涵,提出了老龄化普惠金融的概念,分析了老龄化普惠金融发展的机遇及挑战,提出发展思路及建议,为微观视角下我国老龄化普惠金融发展提供政策借鉴。

With the increasing digital divide brought about by the aging of the population,and the increasing contradiction be-tween the supply and demand of financial products and services,the aging population faces many challenges in obtaining and using fi-nance.In this paper,the author puts forward the concept of aging inclusive finance under the background of the digital gap caused by the aging trend of the population is increasing,the contradiction between the supply and demand of financial products and services is increasingly prominent,and the aging population are facing many challenges in obtaining and using finance.This paper mainly ex-pounds the connotation of aging inclusive finance from four aspects of service purpose,service object,service subject and service con-tent,then analyzes the development opportunities and challenges of aging inclusive finance,finally puts forward development ideas and suggestions from six aspects:strengthening investigation and effect evaluation,strengthening digital technology and financial knowledge training,customizing special financial products and services,enhancing technology application and service innovation,and carrying out targeted protection of financial consumer rights and interest.It provides policy reference for the development of China’s aging inclusive finance from the micro perspective.