从养老金到养老金融:中国特色的概念体系与逻辑框架

From Pension to Ageing Finance:Conceptual System and Logical Framework with Chinese Characteristics

金融工具和技术是积极应对人口老龄化的重要方式,由此也产生了养老金融这一专门领域。但国际上更多使用的是养老金金融这一概念,难以满足我国快速老龄化背景下的养老事业发展需要。本文在对养老金融发展脉络进行梳理的基础上,结合国际国内的差异以及中国实际,对养老金融的理论基础、内涵外延进行系统分析和界定。将养老金融概念体系界定为围绕着社会成员的各种养老需求所进行的金融活动的总和,包括养老金金融、养老服务金融、养老产业金融三部分,以期形成应对老龄化挑战的中国养老金融理论体系,从而为中国乃至世界上其他转型国家养老金融体系发展提供理论支撑。

Financial instruments and technologies are an important way to actively respond to the population ageing,and this has also created a specialized field of ageing finance.However,the concept of pension finance is more widely used in the world,and it is difficult to meet the development needs of China's care for the elderly under the background of rapid ageing.On the basis of combing the development context of pension finance,this paper systematically analyzes and defines the theoretical basis and connotation of ageing finance based on international and domestic differences and China's reality.The concept system of ageing finance is defined as the total of financial activities carried out by various types of pension need surrounding social members,including pension finance,ageing Finance Service,and ageing industry finance,with a view to forming a theoretical system of pension finance in China that addresses the challenges of ageing,thereby providing theoretical support for the development of the pension financial system in China and other countries in the world.