老年人金融排斥的养老金融发展治理研究  

A Study on the Development and Governance of Aging Finance against the Financial Exclusion of Older People

作　　者：阳义南 刘振伟 YANG Yinan;LIU Zhenwei(School of Public Administration,Hunan University,Changsha 410082,China)

机构地区：[1]湖南大学公共管理学院,湖南长沙410082

出　　处：《西安财经大学学报》2024年第5期67-77,共11页Journal of Xi’an University of Finance and Economics

基　　金：教育部哲学社会科学研究重大课题攻关项目(21JZD035);广东省自然科学基金面上项目(2021A1515011284)。

摘　　要：消除老年人金融排斥对我国发展养老金融、实现老年普惠金融至关重要。发展养老金融不能走先发展后治理的老路,肇始就必须既重发展又重治理,尽量尽早消除老年人金融排斥问题。本文剖析了我国老年人金融排斥的多重表征,如服务获取困难、金融素养不足、风险承受力弱等,运用经典金融排斥理论予以解释,并探究造成这些现象的金融机构、产品服务、政策制度等深层次原因,揭示了老年金融排斥对老年人个体、行业、社会以及宏观经济的消极影响。针对现有养老金融体系提出一个涵盖法律政策、行业市场、金融产品与服务、老年人、社会文化观念等多维度的治理框架及政策建议。Eliminating financial exclusion among the elderly is of great significance for the development of elderly finance and the realization of inclusive finance for the elderly in China.The development of elderly care finance cannot follow the old path of development before governance.In the initial stage,it is necessary to focus on both development and governance,and try to eliminate the problem of financial exclusion among the elderly as early as possible.This article analyzes the multiple manifestations of financial exclusion among the elderly in China,such as difficulties in accessing services,insufficient financial literacy,and weak risk tolerance.It uses classical financial exclusion theory to explain this phenomenon and explores the underlying causes of these phenomena,such as financial institutions,product services,policy systems,etc.,revealing the negative impact of financial exclusion on the elderly individuals,industries,society,and macroeconomy.Propose a multidimensional governance framework for the existing pension financial system,covering legal policies,industry markets,financial products and services,the elderly themselves,social and cultural concepts,and international cooperation.

关 键 词：老年人 金融排斥 养老金融 普惠金融 金融消费 

分 类 号：F840.612[经济管理—保险]