人口老龄化背景下我国养老服务金融的现状及对策分析

Analysis on the Current Situation and Countermeasures of Pension Service Finance in China under the Background of Population Aging

人口老龄化不断加剧给社会发展带来了前所未有的挑战,探索如何解决人口老龄化问题,创新发展养老金融,优化金融资产配置已然迫在眉睫并且意义重大。从银行业、保险业、信托业、基金业等方面梳理了中国养老服务金融发展的现状,归纳出养老服务金融中所存在的产品相对单一、业务模式较为零散和监管力度不够等问题,并借鉴了美国和日本在此方面的先进经验,最后针对养老服务金融中的不足提出创新发展养老服务金融、逐步建立适合我国国情的长期护理保险制度和加强市场监管等政策建议。

The increasing aging of the population has brought unprecedented challenges to social development.It is urgent and significant to explore how to solve the problem of population aging,innovate pension finance and optimize financial asset allocation.This paper studied the current situation of China's aging population and the development of pension service finance,analyzed the problems existing in pension service finance,and proposed specific countermeasures and suggestions for innovative development of p ension service finance.