商业银行养老理财产品发展的国际经验与启示  

International Experience and Enlightenment in the Development of Pension Financial Products of Commercial Banks

作　　者：许敏 Xu Min(Jiangsu Nantong Rural Commercial Bank)

机构地区：[1]南通农村商业银行金融市场部

出　　处：《金融发展评论》2024年第11期81-94,共14页Financial Development Review

摘　　要：伴随我国老龄化程度不断加深,养老保险第三支柱的改革发展已迫在眉睫,2023年末中央金融工作会议明确提出养老金融等五篇大文章,养老金融产品改革发展进入重大机遇期。基于此,本文分析了发展养老理财业务的机遇以及养老理财业务试点的进展情况,进一步研究了我国养老理财业务发展面临创新能力相对较弱、投研能力亟需提高、投资者教育待加强以及配套机制建设滞后等困难和问题,充分借鉴美国和日本发达国家养老金融产品发展的成熟经验,结合我国实际,提出了健全养老保险体制机制、加强产品和服务体系创新、完善配套功能及服务建设等发展我国养老理财产品的相关政策建议。With the deepening of the aging population in China,the reform and development of the third pillar of pension insurance is imminent.The Central Financial Work Conference at the end of 2023 clearly proposed pension finance as one of the five major articles,and the reform and development of pension finance has entered a period of great opportunities.Based on this,this article analyzes the opportunities for the development of pension financial products and the progress of pilot projects for pension financial products,and further studies the difficulties and problems faced by the development of pension financial products in China,such as relatively weak innovation ability,urgent need to improve investment research ability,investor education to be strengthened,and lagging behind in supporting mechanism construction.Then,fully drawing on the mature experience of pension financial product development in developed countries such as the United States and Japan,and in light of domestic realities,this paper puts relevant policy recommendations for the development of China's pension financial products,such as improving the system and mechanism of pension insurance,strengthening the innovation of product and service system,perfecting the supporting functions and service construction.

关 键 词：第三支柱 养老理财产品 国际经验 

分 类 号：F832.2[经济管理—金融学]