风险视角下我国机构养老供需失配困境研究——基于N市的个案研究

Research on the dilemma of supply and demand mismatch of institutional pension in China from the perspective of risk——Based on a case study of N city

发展机构养老是“十四五”时期积极应对人口老龄化的必然要求,也是构建和完善兜底性、普惠性、多样化养老服务体系的内生动力。基于风险视角,当前机构养老在优化传统模式、提升机构效能的同时,也面临着国家投入效益不佳、专业人才匮乏、家庭支付能力有限等诸多问题。文章据此提出了加强政策协调监管、健全社会支持网络、规范人才队伍建设、转变传统养老观念的对策建议,以期推动我国机构养老的长足发展。

The development of institutional pension is the inevitable requirement of actively responding to the aging of the population during the“Fourteenth Five-Year Plan”period.It is also the endogenous motivation to build and improve the foundation,inclusiveness,and diversified pension service system.Based on the perspective of risk,while optimizing the traditional model and improving the efficiency of institutions,the current institutional pension is also facing many problems such as poor national investment efficiency,lack of professionals,and outstanding family support contradictions.Based on this,we proposed countermeasures for strengthening policy coordination,improving social support networks,standardizing the construction of talent teams,and transforming traditional pension concepts,in order to promote the great development of my country's institutions for pension.