基于金融供给侧改革的养老金融发展策略研究

Research on the development strategy of pension finance based on financial supply side reform

近年来,我国人口趋向老龄化,传统养老方式已经不足以满足全体社会成员的养老需求,大力发展养老金融势在必行。本研究结合金融供给侧改革,分别介绍了养老金融在供给侧和需求侧的现状,并进一步分析了当下养老金融的供求关系以及供求失衡原因。针对分析的相关问题,提出了构建全方位养老体系,完善养老金融顶层设计;丰富养老金融产品,满足多元化养老需求等发展养老金融的政策建议。

In recent years,China's population tends to be aging,and the traditional way of providing for the aged is not enough to meet the needs of all members of the society,so it is imperative to vigorously develop pension financing.Combined with the financial supply side reform,this paper introduces the current situation of the Pension Finance on the supply side and the demand side,and further analyzes the supply-demand relationship of the current pension finance and the reasons for the imbalance between supply and demand.Finally,in view of the analysis of the relevant issues,put forward the development of pension finance policy recommendations.