普惠金融视角下养老金融发展

Development of Pension Finance from the Perspective of Inclusive Finance

摘要: 养老金融是指为满足人们晚年生活需求而设立的，专门为个人或机构提供养老金计划、养老储蓄、养老保险等金融产品和服务的行业。随着人口老龄化和社会经济发展，养老金融越来越受到重视。本文从普惠金融的角度出发，分析了养老金融发展面临的挑战和机遇，探讨了普惠金融对于养老金融发展的重要作用，并提出了相应的政策建议。

Abstract: Pension finance refers to the industry that provides financial products and services such as pension plans, pension savings, and pension insurance for individuals or institutions to meet their late-life living needs. With the aging of the population and the development of social economy, pension finance has attracted increasing attention. Starting from the perspective of inclusive finance, this paper analyzes the challenges and opportunities faced by the development of pension finance, explores the important role of inclusive finance in the development of pension finance, and puts forward corresponding policy suggestions.