摘要
文章立足于养老金融产生背景、内涵、发展现状与特征,探讨养老金融发展过程中,金融科技促进养老产业转型升级、突破养老服务时空限制与提升养老金保障专业性的赋能作用。继而结合国外养老金融发展中的金融科技赋能实践,分析我国实践过程面临的主要难点,进一步结合顶层设计、业务与产品创新、现代技术应用与社会养老监管体系构建四大维度,研究金融科技赋能养老金融发展的重点路径。
Based on the background,connotation,development status and characteristics of pension finance,this article discusses the empowering role of FinTech in promoting the transformation and upgrading of the pension industry,breaking through the limitations of time and space in pension services,and enhancing the professionalism of pension security in the development process of pension finance.Then combined with the FinTech empowerment practice in the development of foreign pension finance,this paper analyzes the main difficulties faced by China's practice process,and further combines four dimensions including top-level design,business and product innovation,modern technology application and social pension supervision system construction to study the key path of FinTech empowering the development of pension finance.
出处
《西南金融》
北大核心
2021年第2期49-60,共12页
Southwest Finance
基金
国家自然科学基金项目“现代管理科学我国学派的框架设计与工作规划研究”(项目编号:70840008)
广东省重大决策咨询研究课题“广东推动创新要素向优势产业、企业自由流动和聚集的体制机制”(项目编号:2018103)
广东省教育厅特色创新类项目“多方博弈下技术创新行为演变和制度变迁的动力机制研究”(项目编号:2015WTSCX125)。
