中国养老产业金融:发展现状、国际经验借鉴与推进路径  

China's Aging Industry Finance:Current Development Situation,International Experience and Path of Advancement

作　　者：朱文佩 周宇轩 

机构地区：[1]西南财经大学,四川成都611130

出　　处：《西南金融》2025年第1期3-14,共12页Southwest Finance

基　　金：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);四川省哲学社会科学青年基金项目“四川现代特色养老金融体系构建研究”(SCJJ24ND300);2024年成都市哲学社会科学规划“研究阐释‘党的二十届三中全会、省委十二届六次全会、市委十四届六次全会精神’”专项课题“成都加快发展多层次多支柱养老保险体系研究”(2024CS192)。

摘　　要：养老产业金融作为“做好养老金融大文章”的重要组成部分,为养老产业发展提供全方位的金融支撑。随着人口老龄化背景下养老需求的多样化转变,发展养老产业金融的重要性愈发凸显。新时代以来,我国养老产业金融发展取得明显进步,但仍面临专项支持政策空缺、中小养老企业融资难、支持政策效果不及预期、创新型金融工具缺乏等困境。本文在总结美国、日本养老产业金融发展经验的基础上,从优化养老产业金融发展环境、创新支持养老产业发展的金融工具、鼓励养老服务企业上市融资、推动金融科技赋能养老产业转型升级、夯实养老服务消费能力提升的物质基础这五方面提出我国养老产业金融未来发展路径。As an important part of"doing a good job in aging finance",aging industry finance provides allround financial support for the development of the aging industry.With the diversification of elderly care needs in the context of population aging,the importance of developing aging industry finance has become more prominent.Since the new era,the development of China's aging industry finance has made obvious progress,but still faces the dilemma of special support policy vacancies,small and medium-sized elderly care enterprises financing difficul⁃ties,support policies less effective than expected,and the lack of innovative financial tools.This paper summarizes the experience of the United States and Japan in the development of aging industry finance,and puts forward the future development path of China's aging industry finance from the five aspects of optimizing the environment for the development of aging industry finance,innovating financial tools to support the development of the aging indus⁃try,encouraging the listing and financing of elderly care enterprises,promoting the transformation and upgrading of the aging industry empowered by financial science and technology,and strengthening the material foundation for the enhancement of the consumption capacity of elderly care services.

关 键 词：养老金融 养老产业 产业金融 养老服务 长期护理保险 金融科技 人口老龄化 银发经济 

分 类 号：F832[经济管理—金融学]