摘要
金融服务养老指在人口老龄化趋势下,政府和金融机构等针对老年人的养老需求提供金融服务。国外的银行、证券、保险和信托以不同方式进行金融服务养老管理和风险防范,提供了各具特色的养老服务,在应对老龄化问题中发挥重要作用。我国应借鉴国际上的先进经验,实现金融服务养老管理全覆盖,完善监管制度,引导养老者选择适合的金融服务养老模式,走有中国特色的金融服务养老之路。
Financial services for the elderly means that under the aging trend of the population,the government and financial institutions provide financial services for the elderly's needs.Foreign banks,securities,insurance and trusts carry out management and risk prevention of financial services for the elderly in different ways,provide the financial services for the elderly with their own characteristics and play an important role in coping with the aging problem.China should learn from the advanced international experience,achieve full coverage of management in financial services for the elderly,improve supervision system,guide the elderly to choose the appropriate mode of financial services for the elderly,and take the road of financial services for the elderly with Chinese characteristics.
作者
江世银
张通
JIANG Shiyin;ZHANG Tong
出处
《社会保障研究》
CSSCI
2020年第6期68-77,共10页
Social Security Studies
基金
国家社科基金重大招标项目“金融服务养老的理论框架、国际经验、中国路径研究”(17ZDA072)
江苏省高校优势学科三期应用经济学[苏改办发[2018]号]的资助
关键词
金融服务养老
管理
风险防范
模式选择
financial services for the elderly
management
risk prevention
model selection
