基于养老金发展的金融深化理论再探讨  

Rediscussion on Theory of Financial Deepening in the Process of Pension Development

作　　者：龚云华[1] 孙亚超[2] 

机构地区：[1]中国社会科学院,北京100045 [2]山东大学,山东济南250100

出　　处：《上海金融学院学报》2014年第1期21-27,120,共8页Journal of Shanhai Finance University

基　　金：第53批博士后科学基金资助(2013M530806)

摘　　要：人口老龄化问题的临近,促使国内对养老金相关议题的关注度日益提升。文章着重分析了养老金与银行储蓄、养老金与金融产品体系及养老金与金融深化等三方面的问题;并认为养老金的发展对国内银行储蓄有些微影响,会引起金融产品体系重构,但对金融深化促进经济发展的机理提出了质疑。The ageing of Chinese population is approaching, which makes more concern of pension. This paper focuses on the analysis of relationships between pension and other three factors： deposits, financial products and financial deepening. Then it concludes that the development of pension could bring slight effects on deposits and reconstruct the financial product system. However, it promotes questions on theory of financial deepening as well.

关 键 词：养老金 储蓄分流 产品重构 金融深化 

分 类 号：F830.2[经济管理—金融学]