人口老龄化背景下建设中国特色养老金融体系研究

Research on Building a Chinese Characteristic Pension Financial System under the Background of Population Aging

中国养老问题具有特殊性和复杂性,在人口老龄化程度加深的背景下,养老领域发展不平衡不充分问题愈加突出。养老金融是通过金融工具应对人口老龄化的重要方式,发展养老金融是推动养老事业高质量发展、促进金融市场完善和成熟、实现应对人口老龄化和促进经济社会发展有效结合的重要举措。当前,中国养老金融发展已经取得初步成效,但是养老金融顶层设计和发展体系尚未建立,存在诸多挑战。中国发展养老金融需要立足中国国情,实现养老和金融的有机融合,高质量地建设中国特色养老金融体系。中国特色养老金融体系的核心问题是处理好政府和市场关系,实现经济和服务双重保障基本功能,促进不同治理主体的行为规范有序,积极营造良好的养老金融生态。中国特色养老金融体系作为包含多个维度在内的综合性养老金融体系,旨在促进全体人民共享经济社会发展成果,这是中国式现代化在养老领域的具体体现,也是通过金融工具解决老龄化问题的中国方案。

The top-level design and development system of pension finance have not been established in China.The core issue of the Chinese characteristic pension financial system is to handle the relationship between the government and the market well.As a comprehensive pension financial system with multiple dimensions,the pension financial system with Chinese characteristics aims to promote all people to share the fruits of economic and social development,which is a concrete embodiment of Chinese path to modernization in the field of pension,and also a Chinese solution to the problem of aging through financial tools.