我国人口老龄化背景下养老金融研究.docxVIP

我国人口老龄化背景下养老金融研究

摘要：现在，老龄化问题是当今社会的大趋势。我国由于老年人口基数大，因此较早进入了高龄化社会。在我国改革开放以来，由于庞大人口基数以及较高出生率，并考虑到我国的基本国情以及经济发展，我国政府实行了计划生育政策。伴随着时代的发展进步，医疗水平和人民生活质量得到了很大提升，因为人口平均寿命在增长，所以我国“人口红利”的优势在逐步消失，面临是老龄化社会的到来。养老成为当下时代热门，家庭的“4-2-1”人口模式已经严重影响青年人的奋斗志气。因此缓解老龄化社会的问题，我们迫在眉睫。为了保护老年人的生活，促进我国养老金融的发展，需要极力增强我国对养老金融的摸索探讨与创新繁荣。本文简单的描述了我国人口老龄化的现状，且梳理了国内外研究学者对养老金融的概述，并归纳了养老金融的定义，结合当前国内外养老金融发展状况，从多角度论述我国养老金融发展的不足，最后针对不足提出了可行的策略，切实创造良好的养老生态圈。

关键词：人口老龄化养老金金融养老服务金融养老产业金融

ResearchonendowmentfinanceunderthebackgroundofagingpopulationinChina

Abstract:

Atpresent,theagingproblemisaninevitabletrendintoday`ssociety.Ourcountryoldagepopulationbaseisbig,soourcountryalreadyenteredagingsocietycompletely.SinceChina`sreformandopeningup,thegovernmentcarriedoutthefamilyplanningpolicyunderthebackdropsofalargepopulationbaseandhighbirthrate,inconsiderationofChina`sbasicnationalconditionsandeconomicdevelopment.WiththedevelopmentandimprovementofTheTimes,people`smedicallevelandpeople`squalityoflifehavebeengreatlyelevated.Becausetheaveragelifespanofthepopulationisextending,theadvantageof“demographicdividend”isgraduallydisappearinginChina,whichisfacingthearrivaloftheagingsociety.Pensionhasbecomeahottopicinthecurrentera,andthefamily`s“4-2-1”populationpatternoffamilieshasseriouslyaffectedtheyoungpeople`sfightingambition.Therefore,itisurgenttoalleviatetheproblemsofagingsociety.SoastodefendthelifeoftheelderlyandfacilitatethedevelopmentofendowmentfinanceinChina,itisneedfultostrengthentheexplorationandinnovationofendowmentfinanceinChina.ThepapersimplydescribesthecurrentsituationofChinaspopulationaging,andteasedouttheoverviewofpensionfinancebydomesticandoverseasresearchworkers,andfinallysummedupthemeaningofendowmentfinance.Incombinationwiththecurrentdevelopmentstat