供给侧视角下养老金金融发展困境与优化路径——以福建省为例-《集美大学学报》（哲社版）

文章信息/Info

Title:: Development Dilemma and Optimization Path of Pension Finance from the Perspective of Supply Side: Taking Fujian Province as an Example

Author(s):: WANG Ping; HUANG Yangping; (Finance and Economics College, Jimei University, Xiamen 361021, China)

摘要:: 养老金体系建设关乎国计民生，是应对人口老龄化的核心抓手。面对日益严峻的老龄化趋势，福建省应积极统筹谋划，促进养老金金融发展，助力实现“老有善养”。目前福建省养老金金融供给侧方面主要面临基本养老保险基金可持续性下降、企业（职业）年金覆盖率低、个人养老金存在短板、养老金融教育和监管不足、养老基金保值增值能力较差、老龄化水平和养老保险抚养比地区差异较大等现实困境。只有充分发挥政府和市场的合力作用，加快推进养老金金融供给侧改革，才能满足人民群众多层次、个性化的养老金需求。

Abstract:: The construction of pension system is related to the national economy and the people’s livelihood, and is vital to coping with population aging. Facing the increasingly severe aging situation, Fujian province should plan as a whole actively, promote the development of pension finance, and help to realize “taking good care of the elderly”. Nowadays the supply side of Fujian’s pension finance mainly faces practical difficulties, such as declining sustainability of basic endowment insurance fund, low coverage of enterprise (occupational) annuity, imperfect personal pension system, insufficient pension financial education and supervision, poor value-increasing ability of pension funds, great regional differences in the level of aging and the dependency ratio of old-age insurance. Only by giving full play to the joint efforts of the government and the market and accelerating the supply side reform of pension finance can the people’s multi-level and personalized pension needs be met.