养老基金助推金融高质量发展:基于金融五篇大文章的协同视角分析  

Promoting High-quality Financial Development Through Pension Funds:Analysis Based on Collaborative Perspectives from“Five Major Pillars in Finance”

作　　者：房连泉[1,2] 郭娟 FANG Lian-quan;GUO Juan(Chinese Academy of Social Sciences)

机构地区：[1]中国社会科学院中国式现代化研究院 [2]中国社会科学院大学政府管理学院

出　　处：《华中科技大学学报(社会科学版)》2025年第1期47-54,91,共9页Journal of Huazhong University of Science and Technology(Social Science Edition)

基　　金：研究阐释党的二十大精神国家社会科学基金重大项目“2035年我国多层次多支柱养老保险体系发展目标和现实路径研究”(23ZD100)的阶段性成果。

摘　　要：养老基金是重要的长期机构投资者。在人口老龄化加速发展的背景下,做好养老金融大文章,激发养老基金的潜力,不仅是积极应对人口老龄化国家战略的重要内容,还是推动金融高质量发展的重要议题。基于部分OECD国家的经验,探讨养老基金在现代金融市场体系中的重要地位,分析养老基金与科技金融、绿色金融、普惠金融、数字金融的良性互动关系,就壮大中国养老金融提出如下建议:一是活跃资本市场与提振投资信心,二是加大养老基金投入科创企业的力度,三是引导养老保险基金关注绿色投资与社会责任,四是加快培育发展普惠型养老金融,五是推动养老基金与数字金融的协同发展。Pension funds are crucial long-term institutional investors.In the context of the accelerated aging of the population,effectively developing the pension finance sector and unlocking the potential of pension funds is not only an essential part of responding to the national strategy for addressing population aging,but also a key issue in promoting the high-quality development of finance.Drawing on the experiences of some OECD countries,this paper explores the significant role of pension funds within the modern financial market system.It analyzes the positive interactive relationships between pension funds and sectors such as financial technology,green finance,inclusive finance,and digital finance.The paper proposes the following recommendations for strengthening China’s pension finance sector:first,invigorating the capital market and boosting investor confidence;second,increasing pension fund investment in technology-driven enterprises;third,guiding pension insurance funds to focus on green investments and social responsibility;fourth,accelerating the development of inclusive pension finance;and fifth,promoting the coordinated development of pension funds and digital finance.

关 键 词：养老保险基金 金融高质量发展 现代金融市场体系 

分 类 号：F840.612[经济管理—保险]