摘要
养老金体系建设关乎国计民生,是应对人口老龄化的核心抓手。面对日益严峻的老龄化趋势,福建省应积极统筹谋划,促进养老金金融发展,助力实现“老有善养”。目前福建省养老金金融供给侧方面主要面临基本养老保险基金可持续性下降、企业(职业)年金覆盖率低、个人养老金存在短板、养老金融教育和监管不足、养老基金保值增值能力较差、老龄化水平和养老保险抚养比地区差异较大等现实困境。只有充分发挥政府和市场的合力作用,加快推进养老金金融供给侧改革,才能满足人民群众多层次、个性化的养老金需求。
The construction of pension system is related to the national economy and the people s livelihood,and is vital to coping with population aging.Facing the increasingly severe aging situation,Fujian province should plan as a whole actively,promote the development of pension finance,and help to realize“taking good care of the elderly”.Nowadays the supply side of Fujian s pension finance mainly faces practical difficulties,such as declining sustainability of basic endowment insurance fund,low coverage of enterprise(occupational)annuity,imperfect personal pension system,insufficient pension financial education and supervision,poor value-increasing ability of pension funds,great regional differences in the level of aging and the dependency ratio of old-age insurance.Only by giving full play to the joint efforts of the government and the market and accelerating the supply side reform of pension finance can the people s multi-level and personalized pension needs be met.
作者
王平
黄阳平
WANG Ping;HUANG Yangping(Finance and Economics College,Jimei University,Xiamen 361021,China)
出处
《集美大学学报（哲学社会科学版）》
2023年第2期59-69,共11页
Journal of Jimei University：Philosophy and Social Sciences
基金
国家社会科学基金重点项目(21AJL009)
福建省社会科学基地重大项目(FJ2020JDZ040)。
关键词
人口老龄化
养老金金融
供给侧
福建省
population aging
pension finance
supply side
Fujian province
作者简介
王平(1974-),女,江西高安人,副教授,硕士,主要从事金融经济与资本市场研究。
