吉林省养老金融第三支柱发展研究

Research on the Third Pillar Development of Pension Finance in Jilin Province

我国人口老龄化的加速发展推动金融业新供给、新业态和新模式。但总体上,我国养老金融存在着严重依赖基本养老保险,“三支柱”结构性失衡、养老金融供需矛盾突出等主要问题,个人养老金融作为养老体系的第三大支柱,也是普惠金融发展的重要一环,其发展具有重要意义。本文理论分析吉林省个人养老金融发展现状、面临的问题和挑战,提出促进其高质量发展的政策建议。

The accelerated development of China’s population ageing is driving new supply,new forms and new models of fi nance.Personal pension fi nance is the third pillar of the pension system.It develops very slowly but has broad prospects.This paper theoretically analyzes the current situation,problems and challenges of individual pension fi nancial development in Jilin Province,and puts forward policy suggestions to promote its high-quality development.