金融服务养老的理论、实践和创新

发布时间：2018-03-28 20:11

本文选题：人口老龄化问题　切入点：养老金融　出处：《西南交通大学学报(社会科学版)》2017年04期

【摘要】：每个人在工作期间进行储蓄和投资,以供退休后消费,在生命周期内都离不开金融体系的服务;而金融企业合理运用金融工具设计符合养老需求的投资产品,为客户在年轻时储备劳动价值,确保资产的保值增值,形成长期资本以供养老时使用,养老金投资也促进了金融业的产品创新和服务创新。金融服务养老的主要目标是满足所有人为未来老年做准备的金融需求,金融领域的银行、证券、保险、信托等行业在服务养老方面可以发挥各自优势,在服务养老中实现金融创新,共同促进我国养老金融事业的形成、发展和壮大。我国金融业聚集全社会最丰富的资金、技术和人力资源,可以在解决养老这一事关国家发展全局和百姓福祉的重要议题中发挥主导作用。
[Abstract]:Everyone saves and invests during the working period for consumption after retirement, and is inseparable from the services of the financial system in the life cycle; and financial enterprises make rational use of financial instruments to design investment products that meet the needs of the aged. To reserve the value of labor for clients at a young age, to ensure that assets are maintained and increased, and to form long-term capital for the use of the aged, Pension investment also promotes product and service innovation in the financial sector. The main goal of financial services, old-age care, is to meet the financial needs of all to prepare for the future of old age, banking, securities, insurance in the financial sector, Trust and other industries can give play to their respective advantages in serving for the aged, realize financial innovation in the service for the aged, and jointly promote the formation, development and growth of our country's old-age financial undertakings. Our financial industry gathers the richest funds in the whole society. Technology and human resources can play a leading role in solving the important issue concerning the overall development of the country and the well-being of the people.
【作者单位】：中国政法大学商学院;
【基金】：国家社科基金重大项目“我国自然资源资本化及对应市场建设研究”(15ZDB162)
【分类号】：D669.6;F832;F842.6

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