养老金融创新与个人养老金制度优化研究  

Researchon Aging Finance Innovation and Optimization of Private Pension System

作　　者：朱文佩 林义[2] ZHU Wenpei;LIN Yi(School of Public Administration,Southwestern University of Finance and Economics,Chengdu 611130,China;Research Center for Aging and Social Security,Southwestern University of Finance and Economics,Chengdu 611130,China)

机构地区：[1]西南财经大学公共管理学院,成都611130 [2]西南财经大学老龄化与社会保障研究中心,成都611130

出　　处：《云南财经大学学报》2024年第5期35-52,共18页Journal of Yunnan University of Finance and Economics

基　　金：国家社会科学基金重大项目“基于系统观念的多层次社会保障制度创新与政策协同研究”(23ZDA099);国家社会科学基金一般项目“积极老龄化与养老保障体系高质量发展研究”(22STA055);教育部人文社会科学青年基金项目“老龄金融创新支持多层次养老保险体系高质量发展研究”(23YJC840046)。

摘　　要：在人口老龄化加剧背景下,大力发展养老金融不仅是积极应对人口老龄化国家战略的重要组成部分,也是推动金融高质量发展的重要议题。通过构建养老金融发展质量评价体系以及比较国际实践提出中国养老金融发展仍面临市场环境与政策环境亟待优化、契约型金融机构发展滞后、资本市场成熟度低等问题。在此基础上,利用2010-2020年经合组织国家跨国面板数据实证探索了养老金融发展对个人养老金制度优化的影响。研究发现,养老金融发展质量提升能推动个人养老金制度完善,该促进作用在养老金制度成熟度高、国民金融素养高的国家会更加显著。进一步地,在实证分析的结果上提出养老金融创新与个人养老金制度优化路径。Against the background of intensifying population aging,vigorously developing aging finance is not only an important part of the national strategy to actively respond to population aging,but also an important issue in promoting high-quality financial development.By constructing a quality evaluation system for the development of aging finance and making international comparison,the paper points out that the development of aging finance in China mainly faces problems such as imperfect market and policy environments,lagging development of contractual financial institutions,and immature capital market.On this basis,the impact of aging finance development on the construction of private pension system is explored empirically using cross-country panel data from OECD countries over the period 2010 to 2020.It is found that the quality improvement of the aging finance development can promote the improvement of private pension system,and the promotion effect is more significant in countries with high maturity of pension system and high national financial literacy.Finally,based on the empirical study,the paths of aging finance innovation and private pension system optimization are proposed.

关 键 词：养老金融 个人养老金 金融创新 制度优化 人口老龄化 

分 类 号：D669.6[政治法律—政治学] F832[政治法律—中外政治制度]