论时间银行互助养老模式的信用风险及纾解  

On the Credit Risk and Alleviation of Time Bank as a Mutual Aid Model for Caring the Elderly

作　　者：刘宗胜 郭倚潇 Liu Zongsheng;Guo Yixiao(School of Credit Risk Management,Xiangtan University,Xiangtan,Hunan 411105,China)

机构地区：[1]湘潭大学信用风险管理学院,湖南湘潭411105

出　　处：《长沙理工大学学报（社会科学版）》2024年第6期89-96,共8页Journal of Changsha University of Science and Technology：Social Science

基　　金：国家重点研发计划项目(2022YFC3303200)。

摘　　要：随着我国人口老龄化程度不断加深,社会养老系统面临着日益严峻的挑战。作为一种互助养老模式,时间银行能够提高养老服务资源整合效率、实现更高水平的民主参与、有效提升社会治理效能。但同时,时间银行互助养老模式也存在着公信力不足、劳动价值具有差异性、劳动时间延期兑付等信用风险。要通过强化时间银行互助养老模式的制度供给、健全时间银行互助养老模式的信用制度、建立时间银行通存通兑时间币兑换机制、提高共建共治共享道德意识等手段对其信用风险予以纾解。As the degree of population aging in China continues to deepen,the social provision system for the elderly is facing increasingly severe challenges.As a mutual‑aid model for caring the elderly,the Time Bank can improve the efficiency of integrating service resources for caring the elderly,achieve a higher level of democratic participation,and efficiently enhance the social governance effectiveness.However,the Time Bank also has encountered such credit risks as insufficient credibility,unequal labor value,and delayed redemption of labor time,which can be alleviated by strengthening its institutional supply,improving its credit system,establishing a universal exchange mechanism for time coins,and enhancing the moral awareness of co‑construction,co‑governance,and shared ownership.

关 键 词：时间银行 互助养老 信用风险 

分 类 号：F719[经济管理—产业经济] D669.6[政治法律—政治学]