探索养老金融发展新业态的实涵与启示

Exploring and Reflecting on New Formats of the Pension Finance Industry

尽管银行业保险业已针对养老产业开展了多样化的金融服务,但受限于养老市场特征以及政策要求,距离成熟完善的养老金融体系仍有较大差距,建议从综合运用金融资本开拓“合力养老”途径、丰富金融产品提供“多元养老”保障、利用房产资源探索"存房养老“以房养老”模式、发挥金融科技力量开展“智慧养老”服务四方面完善养老金融服务新模式、新业态。

Met with potential needs of elderly care,Beijing has scaled up infrastructure construction and investment in elderly care in recent years,followed by rising specialized and community-based elderly care institutions,more professional pension service and optimized industry layout.However,it should be noted that the pension industry is still in the nascent stage in China.In order to improve the efficiency of allocating all kinds of pension resources,the financial industry,as an important source of public funds and the core pillar of insurance and security,should play a more important role in developing the elderly care industry.This article recommends improving the new models and formats of the pension finance through four aspects,i.e.leveraging financial capital comprehensively to develop approaches for"elderly care by the whole society",enriching financial products to provide"multiple elderly care"protections,using real estate resources to explore the reverse mortgage and"rent-for-pension"models,and using fintech to promote smart elderly care.