老龄化视角下养老金融的发展方向研究

Research on the Development Direction of Pension Finance from the Perspective of Aging

随着我国老龄化进程的不断深化,如何应对人口老龄化已成为国家亟待解决的问题。养老问题涉及社会的各个方面,构建养老、孝老、敬老政策体系和社会环境需要社会各界力量的参与,在“十四五”期间,国家提出要拓宽金融支持养老服务渠道,发挥金融行业在解决老龄化问题过程中的作用,这也为各类金融机构创造了众多发展机遇。当前,我国养老金融发展结构还不太完善,特别是第三支柱的优势还未充分发挥出来,因此,面对第三支柱广阔的市场前景,商业银行、保险公司、理财公司各自呈现出不同特点,如何利用自身优势在老龄化大背景下突出重围、提升竞争力,是各类金融机构需要进一步深入探讨的问题。

With the continuous deepening of China’s aging process,dealing with population aging has become a national priority.Elderly care issues involve all aspects of society,and building a policy system and social environment for elderly care,filial piety and respect for the elderly requires the participation of all sectors of society..The state proposes to broaden the channels of financial support for the elderly and give full play to the role of the financial sector in the process of solving the problem of ageing,which also creates numerous development opportunities for variousfinancial institutions.At present,the development structure of our country’s pensionfinance is not perfect.Especially,the advantage of the third pillar has not been brought into full play.Facing the broad market prospects of the third pillar,commercial banks,insurance companies,wealth management companies have different characteristics.How to make use of their own advantages in the context of the aging to stand out and enhance competitiveness is an issue that needs to be further explored by variousfinancial institutions.