农村金融需求的年龄特征与完善适老金融服务

The Age Characteristics of Rural Financial Needs and the Improvement of Age-friendly Financial Services

人口年龄与金融需求密切相关。论文利用CHFS2019年数据,从年龄的角度分析了户主年龄与家庭金融需求的关系。随着户主年龄的增长,家庭生产经营性收入比重下降,对生产性借贷的需求也下降,医疗支出占比上升,医疗负债占比增加且主要依赖民间借贷。为满足人口老龄化背景下老年人群的金融需求,论文提出从产品体系、组织体系、法律体系三个层面完善农村适老金融服务体系,助力共同富裕:包括完善信贷、保险等适老金融产品体系,构建涵盖银行、保险机构、政府、村集体等多主体的适老金融组织体系,完善农村金融、社会保险、互助保险等方面立法,健全适老金融法律体系。

The financial needs are closely related to individual’s age.By using the data from China Household Finance Survey(CHFS)in 2019,this paper investigates the relationship between the age of the household head and the financial needs of the household.The results show that,as the age of the household head increases,the proportion of production and business income in total household income decreases,the demand for productive loans also decreases,while the proportion of medical expenses in total household expenditure increases,and the proportion of medical debt in total debt increases.Rural households primarily depend on non-formal institutions to meet their medical loan requirements.To meet the financial needs of the elderly in the rapid aging period,this paper proposes to improve the rural agefriendly financial system from the three aspects:enhancing the financial product system including credit,insurance,etc.;building the financial organization system covering bank,insurance institutions,government,rural collective economic organizations;improving legislation in areas such as rural finance,social insurance,mutual insurance,to strengthen the aging-friendly financial legal system.