金融素养对我国居民个人养老金准备的影响  

The Influence of Financial Literacy Level on the Pension Preparation of Chinese Residents

作　　者：黄蕊 王培艳 Rui Huang;Peiyan Wang(School of Management,China Women’s University,Beijing)

机构地区：[1]中华女子学院管理学院,北京

出　　处：《老龄化研究》2024年第5期1876-1881,共6页Aging Research

基　　金：中华女子学院课题(ZKY203010215)——人口老龄化视角下养老金融需求和风险的调查研究。

摘　　要：人口老龄化是社会发展的重要趋势也是今后较长一段时期我国的基本国情,我国未富先老的社会现实和养老保险保障能力弱等问题将对老年人群的晚年生活质量产生不利影响。居民在配置养老金资产的时候,容易受到自身金融素养和金融服务水平等诸多因素的制约。本文研究认为,我国居民应该提升自身金融素养水平,积极主动配置养老资产,在考虑个人经济状况和养老需求的基础上选择合适的养老资产配置方式。金融机构应提高养老金融服务水平和创新能力,做好养老投资者教育和宣传推介管理尤为重要。Population ageing is an important trend and a basic national condition of our country for a long period of time,the social reality of getting old before getting rich and the weak ability of endowment insurance will have a negative impact on the quality of life of the elderly.When allocating pension assets,residents are easily restricted by their own financial literacy and level of financial services.This paper believes that the residents of our country should improve their own financial literacy level,actively allocate endowment assets,in consideration of personal economic conditions and endowment needs based on the choice of appropriate endowment assets allocation.Financial institutions should improve the level of pension financial services and innovation ability,doing a good job of education and promotion of pension investors management is particularly important.

关 键 词：人口老龄化 金融素养 养老资产配置 金融创新 

分 类 号：F83[经济管理—金融学]