我国老龄金融发展问题和对策研究

Research on the financial development problems and countermeasures for the aged in China

老龄金融是指与老龄事业和产业相联系的储蓄信贷保险投资机制,其具体范畴包括全体公民的终身理财及退休后与收入保障相关的政策制度安排及实践保障,以及支持老龄事业与老龄产业高质量发展的相关金融服务。其金融服务方式和种类范畴涵盖社会基本养老保险、商业养老保险、企业职业年金、养老投资信托基金、养老银行储蓄、以房养老抵押贷款等。概括而言,老龄金融一方面是人们为储备养老资产所做的各种金融准备,另一方面是社会围绕老年群体、老年产业等提供的各项金融服务。

Old-age finance refers to the savings and investment mechanism associated with old-age pensions,which specifically refers to all citizens’life-long financial management and financial services related to income security after retirement,and related financial services that support the development of silver businesses and industries.Mainly include social basic pension insurance,corporate annuity,commercial pension insurance,pension savings,retirement housing reverse mortgage loans,pension trusts,pension funds and other financial services.On the one hand,it refers to various financial preparations made by people for the purpose of stockpiling old-age assets,and on the other hand,it refers to various financial services provided by the society,such as elderly groups and the elderly industry.