摘要
随着老龄化程度的加剧,中国作为人口大国亟须构建适配的养老金融体系,优化资源配置以支撑养老事业可持续发展,应对迫在眉睫的老龄化挑战。本文通过构建“四三三”研究框架,即选取美国、丹麦、韩国与阿根廷四个代表性国家作为研究对象,从多支柱养老金体系建设、养老服务金融模式公私参与度、养老产业金融发展路径选择三个经验维度出发,对代表性国家在养老金融建设方面的经验与教训进行比较分析,并从政策引导与市场机制相结合、公私合作与多元参与、创新驱动与产业升级三个方面提出中国养老金融未来发展的实践路径,为中国养老金融的实践提供启示。
With the intensification of aging,China,as a populous country,urgently needs to build a suitable elderly care financial system,optimize resource allocation to support the sustainable development of the elderly care cause,and address the imminent challenge of aging.This paper establishes a“four-three-three”research framework,selecting four representative countries-the United States,Denmark,South Korea,and Argentina-as research subjects,and conducts a comparative analysis of the experiences and lessons of representative countries in the construction of ageing finance from three empirical dimensions:Namely the construction of multi-pillar pension systems,public-private participation in ageing financial service models,and the choice of development paths for the ageing industry finance.The practical paths for the future development of China’s ageing finance are proposed from three aspects:The combination of policy guidance and market mechanisms,public-private cooperation and diverse participation,and innovation-driven industrial upgrading,providing inspiration for the practice of China’s ageing finance.
作者
刘刚
周超凡
Liu Gang;Zhou Chaofan(School of Finance,Guangdong University of Finance and Economics,Guangzhou 510320,China)
出处
《金融理论探索》
2025年第3期3-17,共15页
Exploration of Financial Theory
基金
国家社会科学基金项目“金融市场开放环境下的国家金融安全研究”(20BJY241)。
关键词
养老金融体系
养老金金融
养老服务金融
养老产业金融
ageing finance system
pension finance
ageing financial service
ageing industry finance
作者简介
刘刚,男,湖南安化人,博士,教授,研究方向为金融科技与养老金融;周超凡,男,湖南郴州人,研究方向为养老金融与国家金融。
